Preemption Determination: State Interest-on-Escrow Laws
Built by the Tribune's code from the Federal Register. No AI wrote this page. Published in the Federal Register May 19, 2026. Document 2026-10037. Updated Nov. 11, 2026.
- What it does
The OCC is issuing a preemption determination concluding that Federal law preempts State laws that restrict OCC-regulated banks' flexibility to decide whether and to what extent to pay interest or other compensation on funds placed in real estate escrow accounts; or assess fees in connection with such accounts. This preemption determination will provide much-needed clarity to banks and other stakeholders.
The Comptroller of the Currency's summary, as published in the Federal Register.
- What changed in the regulation
1 part of Title 12 of the Code of Federal Regulations:
Wording on eCFR: the day before it took effect and from the day it took effect (first part listed).
- Compared with
The Comptroller of the Currency has published 12 final rules in 2026 so far, compared with 5 in all of 2025.
Counted by the Tribune from Federal Register records since Jan. 1, 2025.
- Before this
1 earlier Federal Register document under regulation identifier 1557-AF45 since Jan. 1, 2025.
- What happens next and when
This final rule is effective on June 18, 2026.
The agency's dates, word for word.
The record as published
| Document number | 2026-10037 |
|---|---|
| Action | Final rule. |
| Agencies | Treasury Department; Comptroller of the Currency |
| Published | May 19, 2026 |
| Effective date | June 18, 2026 |
| Regulation identifier (RIN) | 1557-AF45 |
| Docket | OCC-2025-0735 |
Source: the Federal Register (public domain). The document in the Federal Register