On October 22, the Board of Directors of the Federal Deposit Insurance Corporation (the “FDIC”) adopted a proposed rule to increase the Deposit Insurance Fund to a statutorily required minimum reserve ratio of 1.35 percent. The rule would impose on banks with at least $10 billion in assets a surcharge of 4.5 cents per $100 of their assessment base, after making certain adjustments. The FDIC expects the reserve ratio will reach the minimum 1.35 percent after two years of payments of the proposed surcharges.  FDIC Press Release.  OCC Press Release.  Rule.