Community Reinvestment Act: Interagency Notice of Proposed Rulemaking

The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation propose to amend their Community Reinvestment Act regulations by making substantive, technical, and process-oriented changes to refocus on encouraging banks to meet community credit needs, ensure community development grants reach intended beneficiaries, and reduce burden for community banks. The proposal also includes technical changes to rules implementing CRA sunshine requirements of the Federal Deposit Insurance Act and similar technical updates to the OCC's Public Welfare Investments and Corporate Activities rules. These amendments apply to insured depository institutions supervised by the OCC and FDIC, aiming to provide greater clarity on obtaining CRA consideration while retaining key elements of the current regulatory framework.

OCC published 15 documents in the last 30 days — get each new one by email the day it lands.

DEPARTMENT OF THE TREASURY
Office of the Comptroller of the Currency
12 CFR Parts 5, 24, 25, and 35
[Docket ID OCC-2026-0694]
RIN 1557-AF57
FEDERAL DEPOSIT INSURANCE CORPORATION
12 CFR Parts 345 and 346
RIN 3064-AG31
Community Reinvestment Act Regulations
AGENCY: The Office of the Comptroller of the Currency, Treasury, and the Federal Deposit Insurance Corporation. ACTION: Notice of proposed rulemaking. SUMMARY: The Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) are proposing to amend their Community Reinvestment Act rules by making certain substantive, technical, and process-oriented changes to refocus on the statutory objective of encouraging banks to meet the credit needs of their communities; to better ensure that community development grants reach the communities they are intended to benefit; to reduce unnecessary burden, particularly for community banks; and to provide greater clarity for how to obtain CRA consideration. The OCC and the FDIC are also proposing certain technical changes to their rules implementing the Community Reinvestment Act sunshine requirements of the Federal Deposit Insurance Act. In addition, the OCC is proposing similar technical changes to its Public Welfare Investments rule and its Rules, Policies, and Procedures for Corporate Activities.

Read the rest free, and get an email when OCC publishes again

Email me when OCC publishes something newOne email per publication, same day. Sign in below to keep reading.

Lineage: In force

amendssupersedesissued underrefers toproposed or not in RegAlertarrows run from the older text to the one that changes it

Source: Office of the Comptroller of the Currency — original document · Summary generated with machine assistance and reviewed before publication; the authoritative text is the regulator's original document. How RegAlert works