FDIC and OCC propose new CRA rules for banks they regulate
Banks supervised by the FDIC or OCC must review a new Community Reinvestment Act proposal that would reshape compliance thresholds, lending tests, and community development treatment, while Federal Reserve–regulated banks remain under the 1995 framework.
On July 31, 2026, the FDIC and OCC issued a Notice of Proposed Rulemaking updating CRA regulations only for the institutions they supervise, leaving Federal Reserve–regulated banks subject to the 1995 rules. The proposal raises asset thresholds for small, intermediate, and large banks; narrows the retail service test to credit services; limits CRA consideration for grants and donations to direct community development use with a 15% indirect-cost cap for large banks; and refines how major product lines are determined for lending tests. Comments are due October 13, 2026. Affected institutions should assess whether the new thresholds and test methodologies change their CRA ratings and compliance strategy.