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The proposal could reshape how bank partners prioritize community development activity, but it is not a final CRA rule.
Federal banking regulators released a proposed Community Reinvestment Act change on Friday that would narrow how banks receive credit for community development activity while raising asset thresholds for small and midsized institutions, according to HousingWire’s July 31, 2026 report.
For mortgage professionals, the immediate takeaway is not a new borrower rule or a lock-desk change. It is a bank strategy story: if finalized later, the proposal could affect how banks think about CRA-eligible partnerships, community lending priorities, and affordable housing activity.