FRB Atlanta Vault Loan Program Information

Last Updated: 07.01.2025

Please note: This information is specifically for the Federal Reserve Bank of Atlanta's Vault Loan Program. Information regarding your Federal Reserve Bank's Vault Loan Program may be available on your district's Contacts & Resources page.

Vault Program

If you qualify and would like to apply for the Vault Program, complete the following documents and submit to collateral@atl.frb.org.

1. Assignment - To be completed for perfection purposes.
2. Endorsement Certification and Endorsement Stamp - Gives the FRB authority to endorse the notes should it need to take legal ownership in order to satisfy any unpaid liabilities of the Borrower to the FRB. The FRB would only endorse the notes in an extreme situation where your institution is unable to satisfy outstanding liabilities. In order to endorse notes, your institution will need to provide the FRB with a stamp with your institution's name in addition to the Endorsement Certification.
3. Collateral Pledge Form and Collateral Schedule - Your institution is responsible for submitting a Collateral Pledge Form and Collateral Schedule no later than the 10th day of the month for preceding month end. The monthly Collateral Schedule must be signed or emailed by an authorized official of your institution, as designated by the OC-10 lending agreements on file with the Federal Reserve Bank. Your institution may want to review these legal agreements and revise as needed.
4. Loan review policy and/or internal risk rating documentation.
5. Perfection for FHLB, Corporate Credit Union, and Banker’s Bank Members - If a lien has been placed on your institution's assets as part of an existing or prior loan pledge, email us at: collateral@atl.frb.org for next steps.
6. Once approved, Assignment, Endorsement Certification, Endorsement Stamp, and all required loan documents should be mailed to the following address:

   Attn: Collateral Team
   Federal Reserve Bank of Atlanta
   Credit & Risk Management Department
   1000 Peachtree Street NE
   Atlanta, GA 30309

Contact us for questions and/or additional information.