FDIC and OCC Seek Public Comment on Joint Notice of Proposed Rulemaking to Amend Community Reinvestment Act (CRA) Regulations

DEPARTMENT OF THE TREASURY Office of the Comptroller of the Currency 12 CFR Parts 24, 25, and 35 [Docket ID OCC–2025–0005] RIN 1557–AF30 FEDERAL RESERVE SYSTEM 12 CFR Parts 207 and 228 Regulation BB [Docket No. R–1869] RIN 7100–AG95 FEDERAL DEPOSIT INSURANCE CORPORATION 12 CFR Parts 345 and 346 RIN 3064–AG13 Community Reinvestment Act Regulations AGENCY: The Office of the Comptroller of the Currency, Treasury; the Board of Governors of the Federal Reserve System; and the Federal Deposit Insurance Corporation. ACTION: Notice of proposed rulemaking. SUMMARY: The Office of the Comptroller of the Currency (OCC), the Board of Governors of the Federal Reserve System (Board), and the Federal Deposit Insurance Corporation (FDIC) (collectively, the agencies) propose to amend their Community Reinvestment Act (CRA) regulations by rescinding the final rule titled ‘‘Community Reinvestment Act’’ published in the Federal Register on February 1, 2024, and replacing it with the agencies’ CRA regulations in effect on March 29, 2024, with certain conforming and technical amendments. The agencies are also proposing technical amendments to their regulations implementing the CRA sunshine requirements of the Federal Deposit Insurance Act, and the OCC is proposing technical amendments to its Public Welfare Investments regulation. DATES: Comments must be received on or before August 18, 2025. ADDRESSES: Comments should be directed to the agencies as follows:
OCC: Commenters are encouraged to submit comments through the Federal eRulemaking Portal. Please use the title ‘‘Community Reinvestment Act Regulations’’ to facilitate the organization and distribution of the comments. You may submit comments by any of the following methods:

• Federal eRulemaking Portal—
  Regulations.gov: Go to https:// regulations.gov. Enter ‘‘Docket ID OCC– 2025–0005’’ in the Search Box and click ‘‘Search.’’ Public comments can be submitted via the ‘‘Comment’’ box below the displayed document information or by clicking on the document title and then clicking the ‘‘Comment’’ box on the top-left side of the screen. For help with submitting effective comments please click on ‘‘Commenter’s Checklist.’’ For assistance with the Regulations.gov site, please call (877) 378–5457 (toll free) or (703) 454–9859 Monday–Friday, 9 a.m.– 5 p.m. EST or email regulations@ erulemakinghelpdesk.com.
• Mail: Chief Counsel’s Office,
  Attention: Comment Processing, Office of the Comptroller of the Currency, 400 7th Street SW, suite 3E–218, Washington, DC 20219.
• Hand Delivery/Courier: 400 7th
  Street SW, suite 3E–218, Washington, DC 20219. Instructions: You must include ‘‘OCC’’ as the agency name and ‘‘Docket ID OCC–2025–0005’’ in your comment. In general, the OCC will enter all comments received into the docket and publish the comments on the Regulations.gov website without change, including any business or personal information provided such as name and address information, email addresses, or phone numbers. Comments received, including attachments and other supporting materials, are part of the public record and subject to public disclosure. Do not include any information in your comment or supporting materials that you consider confidential or inappropriate for public disclosure. You may review comments and other related materials that pertain to this action by the following method:
• Viewing Comments Electronically—
  Regulations.gov: Go to https:// regulations.gov. Enter ‘‘Docket ID OCC– 2025–0005’’ in the Search Box and click ‘‘Search.’’ Click on the ‘‘Documents’’ tab and then the document’s title. After clicking the document’s title, click the ‘‘Browse Comments’’ tab. Comments can be viewed and filtered by clicking on the ‘‘Sort By’’ drop-down on the right side of the screen or the ‘‘Refine Results’’ options on the left side of the screen. Supporting materials can be viewed by clicking on the ‘‘Documents’’ tab and filtered by clicking on the ‘‘Sort By’’ drop-down on the right side of the screen or the ‘‘Refine Documents Results’’ options on the left side of the screen.’’ For assistance with the Regulations.gov site, please call (877) 378–5457 (toll free) or (703) 454–9859 Monday–Friday, 9 a.m.–5 p.m. EST or email regulations@ erulemakinghelpdesk.com. The docket may be viewed after the close of the comment period in the same manner as during the comment period. Board: You may submit comments, identified by Docket No. R–1869 and RIN 7100–AG95, by any of the following methods:
• Agency Website: https://
  www.federalreserve.gov/apps/ proposals/. Follow the instructions for submitting comments, including attachments. Preferred Method.
• Mail: Ann E. Misback, Secretary,
  Board of Governors of the Federal Reserve System, 20th Street and Constitution Avenue NW, Washington, DC 20551.
• Hand Delivery/Courier: Same as
  mailing address.
• Other Means: publiccomments@
  frb.gov. You must include the docket number in the subject line of the message. Comments received are subject to public disclosure. In general, comments received will be made available on the Board’s website at https:// www.federalreserve.gov/apps/ proposals/ without change and will not be modified to remove personal or business information including confidential, contact, or other identifying information. Comments should not include any information such as confidential information that would be not appropriate for public disclosure. Public comments may also be viewed electronically or in person in Room M–4365A, 2001 C St. NW, Washington, DC 20551, between 9 a.m. and 5 p.m. during Federal business weekdays. FDIC: You may submit comments, identified by RIN 3064–AG13, by any of the following methods:
• Agency Website: https://
  www.fdic.gov/resources/regulations/ federal-register-publications. Follow instructions for submitting comments on the agency website.
• Email: comments@fdic.gov. Include
  RIN 3064–AG13 on the subject line of the message.
• Mail: Jennifer M. Jones, Deputy
  Executive Secretary, Attention:
  Comments RIN 3064–AG13, Federal Deposit Insurance Corporation, 550 17th Street NW, Washington, DC 20429.
• Hand Delivery/Courier: Comments
  may be hand delivered to the guard station at the rear of the 550 17th Street NW building (located on F Street NW) on business days between 7 a.m. and 5 p.m. Public Inspection: Comments received, including any personal