On March 20, the FDIC proposed a rule to modify the deposit insurance assessment system for insured depository institutions with more than $10 billion of assets. The proposed rule would amend the definitions of leveraged loans and subprime loans used to identify concentrations of higher-risk assets, without materially affecting the overall assessments that large institutions pay. Comments must be submitted within 60 days of publication in the Federal Register. FDIC Release. FDIC Rule on Assessment Rates.