The Shared National Credit Program (SNC) was established in 1977 by the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency (collectively known as “regulatory agencies”) to provide an efficient and consistent review and classification of any large syndicated loan. A SNC is defined as any loan or commitment to extend credit, or group of commitments, aggregating $100 million or more at origination; and committed under a formal lending arrangement; and shared by three or more unaffiliated supervised institutions. Supervised institutions are any financial institution subject to regulation by one of the three regulatory agencies. A non-bank subsidiary of a holding company is considered a supervised institution. The regulatory agencies' review is conducted bi-annually, usually in the first and third quarters each year. Reporting entities must submit SNC data via the FRS eSNC reporting application.

SNC Technology Announcement:

The interagency Shared National Credit (SNC) Program, administered by the Federal Reserve System (FRS), Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC), has undertaken an initiative to modernize the technology applications used to facilitate the SNC Program.

We are pleased to inform you that new technology will replace the reporting application, eSNC, for quarterly data submissions, starting September 30th, 2024. We also anticipate leveraging this technology for SNC reporting and examinations, starting with the 2025 SNC exams. Learn more about the PDFSNC Tech Announcement.

*You will continue to use eSNC and the current methods for SNC exams until the new SNC technology launches.

Documents Referenced in the Technology Announcement

PDFSNC Reporting Instructions - 2024
Excel SpreadsheetSeptember 2024 XML References
xsdSNC Agent XSD - September 2024 (Software is required to access)
xsdSNC Participant XSD - September 2024 (Software is required to access)
Excel SpreadsheetSNC Primary Contacts Form - Due December 1st, 2023

Current Reporting Instructions

PDFSNC Reporting Instructions.pdf (Basic Reporters)

PDFSNC Reporting Instructions.pdf (Expanded Reporters)

PDFRelease Notes.pdf

Current eSNC Report Submission Access

PDFeSNC Access Agreement

PDFAccess Control Form

PDFSecurID Control Form for External Users (Supplemental Form Instructions)
To add a new eSNC user, institutions must complete and sign the following documents: 1.) an Access Control Form and 2.) a SecureID Form. 

To update or delete an eSNC user, an Access Control Form is all that is required (signatures are not required for deleting eSNC users). 

Call (800) 333-2898 or email for additional assistance in completing the access forms.

Additional Information

PDFConcordance Mapping

PDFSNC Reporting Bank Contact Form

PDFeSNC User Guide

xsdBasic Reporter (Agent) XSD (Software is required to access)

xsdExpanded Reporter (Agent) XSD (Software is required to access)

xsdExpanded Reporter (Participant) XSD (Software is required to access)


Aggregate results are published annually (September) in an interagency press release on the External LinkFederal Reserve Board's website.

Contact Us

For reporting-related questions, e-mail us at