Community Reinvestment Act Regulations

What it does

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.

The Comptroller of the Currency's summary, as published in the Federal Register.

What it would change

6 parts of Title 12 of the Code of Federal Regulations:

12 CFR 5, 12 CFR 24, 12 CFR 25, 12 CFR 35, 12 CFR 345, 12 CFR 346

Before this

No earlier Federal Register document under regulation identifier 1557-AF57, 3064-AG31 since Jan. 1, 2025.

What happens next and when

Comments must be received on or before October 13, 2026.

The agency's dates, word for word.

Check it yourself

• The document in the Federal Register
• Docket OCC-2026-0694 on Regulations.gov
• Title 12 on eCFR

The record as published

Source: the Federal Register (public domain). The document in the Federal Register