FFIEC: Agencies Release List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies
Federal bank regulatory agencies today released the 2026 list of certain geographies where certain bank activities are eligible for Community Reinvestment Act (CRA) credit. Under the CRA, the agencies assess a bank’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operations. The list…
FFIEC: 2025 Data on Mortgage Lending Reported Under HMDA Published
The Federal Financial Institutions Examination Council (FFIEC) recently published data on 2025 mortgage lending transactions reported under the Home Mortgage Disclosure Act (HMDA) by 4782 U.S. financial institutions. The Snapshot National Loan-Level Dataset released contains the national HMDA datasets as of June 1, 2026. The FFIEC released several data products to serve a variety of data users,…
OCC: Agency Clarifies Filing Decision Process
The Office of the Comptroller of the Currency (OCC) today clarified the standards for its decisions on filings. OCC filing decisions are governed by 12 CFR 5.13. As stated in the regulation, the OCC may approve, conditionally approve or deny a filing. In addition, the OCC may return a filing as materially deficient where it…
FDIC: CRA Examination Schedules for Third Quarter 2026 and Fourth Quarter 2026 Issued
The Federal Deposit Insurance Corporation (FDIC) today issued the lists of institutions scheduled for a Community Reinvestment Act (CRA) examination during the third quarter 2026 and fourth quarter 2026. CRA regulations require each federal bank and thrift regulator to publish its quarterly CRA examination schedule at least 30 days before the beginning of each quarter. …
OCC: Third Quarter 2026 CRA Evaluation Schedule Issued
The Office of the Comptroller of the Currency (OCC) today released its schedule of Community Reinvestment Act (CRA) evaluations to be conducted in the third quarter of 2026. While the OCC has previously released its schedule of CRA evaluations for two quarters in advance, updates to CRA evaluation scheduling for community banks and the implementation…
OCC: Agency Advances Priority of Reducing Regulatory Burden for Community Banks
The Office of the Comptroller of the Currency (OCC) continues to prioritize supervisory and regulatory reforms to reduce burden for community banks and support their role as drivers of economic growth. Most community banks are well capitalized and well managed, conduct business in a safe and sound manner, and engage in low-risk activities. The OCC…