[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-203172-105":3,"detail-sidebar-cat-0-en-105":81,"doc-detail-203172-en":131},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":74,"head_meta":76,"extra_data":78,"updated_unix":80},105,"en","community-reinvestment-act-regulations-proposed-rules","Community Reinvestment Act Regulations - Proposed Rules","","The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation propose amendments to their Community Reinvestment Act regulations. The changes aim to better align implementation with the statutory goal of encouraging banks to meet the credit needs of communities, improve how community development grants reach intended beneficiaries, reduce burdens especially for community banks, and clarify how entities may receive CRA consideration. Additional technical revisions address CRA sunshine requirements and related rules, including similar technical updates to public welfare investments.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/document/","Document",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/document/research-report/","Research & Report",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/document/community-reinvestment-act-regulations-proposed-rules/203172/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/community-reinvestment-act-regulations-proposed-rules/203172.png","ImageObject",300,407,{"name":42,"@type":43},"Lucas Vance","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-11-10","2026-09-04",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",13,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"What is the purpose of the proposed amendments to the CRA regulations?","Question",{"text":63,"@type":64},"The agencies propose substantive, technical, and process-oriented changes to refocus on encouraging banks to meet community credit needs, improve targeting of community development grants, reduce unnecessary burden on community banks, and clarify how to obtain CRA consideration.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"When are comments due?",{"text":68,"@type":64},"Comments must be received on or before October 13, 2026.",{"name":70,"@type":61,"acceptedAnswer":71},"How can comments be submitted to the OCC and what identifiers are required?",{"text":72,"@type":64},"OCC commenters may submit through the Federal eRulemaking Portal or by mail or hand delivery/courier. Comments must include the agency name “OCC” and the Docket ID “OCC–2026–0694.”","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},203172,1788556588,{"code":4,"msg":82,"data":83},"success",[84,88,92,96,101,106,111,115,120,123,127],{"id":22,"doc_module":4,"doc_module_name":25,"category_name":85,"show_sort_weight":86,"slug":87},"Story & Novel",90,"story-novel",{"id":26,"doc_module":4,"doc_module_name":25,"category_name":89,"show_sort_weight":90,"slug":91},"Literature",80,"literature",{"id":33,"doc_module":4,"doc_module_name":25,"category_name":93,"show_sort_weight":94,"slug":95},"Exam",70,"exam",{"id":97,"doc_module":4,"doc_module_name":25,"category_name":98,"show_sort_weight":99,"slug":100},5,"Comic",60,"comic",{"id":102,"doc_module":4,"doc_module_name":25,"category_name":103,"show_sort_weight":104,"slug":105},6,"Technology",50,"technology",{"id":107,"doc_module":4,"doc_module_name":25,"category_name":108,"show_sort_weight":109,"slug":110},7,"Healthcare",40,"healthcare",{"id":112,"doc_module":4,"doc_module_name":25,"category_name":29,"show_sort_weight":113,"slug":114},8,30,"research-report",{"id":116,"doc_module":4,"doc_module_name":25,"category_name":117,"show_sort_weight":118,"slug":119},9,"Religion & Spirituality",20,"religion-spirituality",{"id":118,"doc_module":4,"doc_module_name":25,"category_name":121,"show_sort_weight":118,"slug":122},"World Cup","world-cup",{"id":124,"doc_module":4,"doc_module_name":25,"category_name":125,"show_sort_weight":124,"slug":126},10,"Lifestyle","lifestyle",{"id":128,"doc_module":4,"doc_module_name":25,"category_name":129,"show_sort_weight":97,"slug":130},19,"General","general",{"code":4,"msg":82,"data":132},{"doc_id":79,"user_id":133,"nickname":42,"user_avatar":134,"doc_module":4,"category_id":112,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":135,"file_id":136,"file_url":137,"file_type":138,"file_size":139,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":7,"language":140,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":12,"update_tm":80,"read_time":144,"preview_page_count":4},549768064622,"https://ap-avatar.wpscdn.com/davatar_6f874abed73319feea01a86fa6f0fab8","52114 Federal Register / Vol. 91, No. 154 / Wednesday, August 12, 2026 / Proposed Rules  \nDEPARTMENT OF THE TREASURY  \nOffice of the Comptroller of the Currency  \n12 CFR Parts 5, 24, 25, and 35  \n[Docket ID OCC–2026–0694] RIN 1557–AF57  \nFEDERAL DEPOSIT INSURANCE CORPORATION  \n12 CFR Parts 345 and 346  \nRIN 3064–AG31  \nCommunity Reinvestment Act Regulations  \nAGENCY: The Office of the Comptroller of the Currency, Treasury, and the Federal Deposit Insurance Corporation. ACTION: Notice of proposed rulemaking.  \nSUMMARY: 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.  \nDATES: Comments must be received on or before October 13, 2026.  \nADDRESSES: Comments should be directed to the agencies as follows:  \nOCC: Commenters are encouraged to submit comments through the Federal eRulemaking Portal. Please use the title‘‘Community Reinvestment Act Regulations’’ to facilitate the organization and distribution of the comments. You may submit comments by any of the following methods:  \n• Federal eRulemaking Portal—[Regulations.gov:](Regulations.gov:)  \nGo to [https://regulations.gov/.](https://regulations.gov/. Enter)[ Enter](https://regulations.gov/. Enter)[ ](https://regulations.gov/. Enter)Docket ID ‘‘OCC–2026–0694’’ in the Search Box and click ‘‘Search.’’ Public comments can be submitted via the  \n‘‘Comment’’ box below the displayed document information or by clicking on the document title and then clicking the‘‘Comment’’ box on the top-left side of the screen. For help with submitting effective comments, please click on‘‘Commenter’s Checklist.’’ For [assistance with the](assistance with the Regulations.gov)[ Regulations.gov](assistance with the Regulations.gov) site, please call 1–866–498–2945 (toll free) Monday–Friday, 9 a.m.–5 p.m. EST, or email [regulationshelpdesk@gsa.gov](regulationshelpdesk@gsa.gov).  \n• Mail: Chief Counsel’s Office, Attention: Comment Processing, Office of the Comptroller of the Currency, 400 7th Street SW, Suite 1E–216, Washington, DC 20219.  \n• Hand Delivery/Courier: 400 7th Street SW, Suite 1E–216, Washington, DC 20219.  \nInstructions: You must include‘‘OCC’’ as the agency name and Docket ID ‘‘OCC–2026–0694’’ in your comment. In general, the OCC will enter all comments received into the docket and publish the comments on the [Regulations.gov](Regulations.gov) website without change, including any business or personal information provided such as name and address information, email addresses, or phone numbers. Comments received, including attachments and other supporting materials, are part of the public record and subject to public disclosure. Do not include any information in your comment or supporting materials that you consider confidential or inappropriate for public disclosure.  \nYou may review comments and other related materials that pertain to this action by the following method:  \n• Viewing Comments Electronically—[Regulations.gov:](Regulations.gov:)  \nGo to [https://regulations.gov/.](https://regulations.gov/. Enter)[ Enter](https://regulations.gov/. Enter)[ ](https://regulations.gov/. Enter)Docket ID ‘‘OCC–2026–0694’’ in the Search Box","cbCaickFKtZ8dKRX","https://ap.wps.com/l/cbCaickFKtZ8dKRX","pdf",633458,"English","# Summary\n## Key changes proposed\n# Dates\n## Comment deadline\n# Addresses\n## Submission methods for OCC comments\n## Submission methods for FDIC comments","[{\"question\":\"What is the purpose of the proposed amendments to the CRA regulations?\",\"answer\":\"The agencies propose substantive, technical, and process-oriented changes to refocus on encouraging banks to meet community credit needs, improve targeting of community development grants, reduce unnecessary burden on community banks, and clarify how to obtain CRA consideration.\"},{\"question\":\"When are comments due?\",\"answer\":\"Comments must be received on or before October 13, 2026.\"},{\"question\":\"How can comments be submitted to the OCC and what identifiers are required?\",\"answer\":\"OCC commenters may submit through the Federal eRulemaking Portal or by mail or hand delivery/courier. Comments must include the agency name “OCC” and the Docket ID “OCC–2026–0694.”\"}]","Community Reinvestment Act Regulations - Proposed Rules | PDF",265]