Regulatory Alerts2025-11-07 | FIL-52-2025FDIC Updates its Consumer Compliance Examination Schedule
The FDIC has updated its Consumer Compliance Examination Manual to establish standardized initial and routine examination frequency schedules based on total asset size and current Consumer Compliance and CRA ratings. These schedules assign fixed examination cycles ranging from 24 to 78 months that do not reset following intervening compliance-only exams or targeted visitations, with shorter intervals applied to institutions rated “3” through “5” for compliance or “Needs to Improve” and “Substantial Noncompliance” for CRA. Field management retains discretion to schedule earlier joint reviews, conduct concurrent examinations upon bank request, and proactively add supervisory activities to address fair lending risks or rating upgrades without disrupting the standard examination cycle.