Community Reinvestment Act regulations proposal issued by OCC and FDIC

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The proposal could affect how banks document CRA activity, support community development, and plan local lending partnerships, but it is not final.

The Community Reinvestment Act regulations are back on the regulatory watch list after the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation proposed amendments in a Federal Register notice published August 12, 2026. The agencies said the proposal would make substantive, technical, and process-oriented changes to their CRA rules.

For mortgage professionals, the proposal matters because CRA strategy influences how many banks think about community lending, affordable housing partnerships, grants, and local credit access. But the status is important: this is proposed, not final, and the supplied notice summary does not confirm an effective date, comment deadline, or specific changes to mortgage loan qualification.

Key takeaways

• The OCC and FDIC proposed amendments to their Community Reinvestment Act rules in a Federal Register notice published August 12, 2026.
• The proposal is aimed at refocusing CRA rules on encouraging banks to meet community credit needs, according to the Federal Register summary.
• The agencies also said they want clearer CRA consideration, better targeting of community development grants, and reduced unnecessary burden, especially for community banks.
• The notice also includes proposed technical changes tied to CRA sunshine requirements, and the OCC proposed related technical changes to certain OCC rules.

Sources

• Federal Register — Community Reinvestment Act Regulations

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