Federal Register - Vol. 90, No. 220 - Tuesday, November 18, 2025 - Proposed Rules

Sep 4, 2026

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Proposed rules addressed by the Office of the Comptroller of the Currency rescind or amend existing regulations without adding new mandates. The analysis discusses how the rule is reviewed under the Unfunded Mandates Reform Act of 1995 and concludes de minimis costs, so a written UMRA statement is not required. It also outlines considerations under the Riegle Act regarding administrative burdens and expected benefits, and notes compliance and disclosure requirements tied to the Providing Accountability Through Transparency Act.

LanguageEnglish

CategoryResearch & Report

FormatPDF

Pages4

Reading Time10 min

AccessFree to download

Unfunded Mandates Reform Act of 1995

Cost and expenditure assessment

Riegle Community Development and Regulatory Improvement Act of 1994

Effective date and compliance considerations

Providing Accountability Through Transparency Act of 2023

Plain-language internet summary requirement

Executive Orders 12866 and 14192

Regulatory impact and deregulatory requirements

Federal Register / Vol. 90, No. 220 / Tuesday, November 18, 2025 / Proposed Rules 51587 proposed rule would rescind an existing regulation and does not contain any new mandates. Accordingly, an Initial Regulatory Flexibility Analysis is not required, and the OCC certifies that the proposed rule would not have a significant economic impact on a substantial number of small entities. Unfunded Mandates Reform Act of 1995 The OCC analyzed the proposed rule under the factors set forth in the Unfunded Mandates Reform Act of 1995 (UMRA) (2 U. S.C. 1532) . Under this analysis, the OCC considered whether the proposed rule includes a Federal mandate that may result in the expenditure by State, local, and Tribal governments, in the aggregate, or by the private sector, of $100 million or more in any one year (adjusted for inflation) . Because the proposed rule would rescind or amend existing regulations and does not contain any newmandates, the OCC estimates that the proposed rule would not result in an expenditure of $100 million or more annually by State, local, and Tribal governments, or by the private sector (adjusted for inflation) . The OCC estimates that the costs associated with proposed rule, if finalized as proposed, would be de minimis. Accordingly, the OCC has not prepared the written statement described in section 202 of the UMRA. Riegle Community Development and Regulatory Improvement Act of 1994 Pursuant to section 302(a) of the Riegle Community Development and Regulatory Improvement Act of 1994,33 in determining the effective date and administrative compliance requirements for new regulations that impose additional reporting, disclosure, or other requirements on insured depository institutions, the OCC will consider, consistent with the principles of safety and soundness and the public interest: (1) any administrative burdens that the proposed rule would place on depository institutions, including small depository institutions and customers of depository institutions and (2) the benefits of the proposed rule. The OCC requests comment on any administrative burdens that the proposed rule would place on depository institutions, including small depository institutions and their customers, and the benefits of the proposed rule that the OCC should consider in determining the effective date and administrative compliance requirements for a final rule. Providing Accountability Through Transparency Act of 2023 The Providing Accountability Through Transparency Act of 2023 34 requires that a notice of proposed rulemaking include the internet address of a summary of not more than 100 words in length of a proposed rule, in plain language, that shall be posted on the internet website [www.regulations.gov](www.regulations.gov). The OCC invites public comment on a proposed rule to rescind the Fair Housing Home Loan Data System regulation codified at 12 CFR part 27 to remove any conflict with Regulations Band C or duplication for national banks. The proposal and the required summary can be found at [https://](https://) [www.regulations.gov](www.regulations.gov by searching for)[ by searching for](www.regulations.gov by searching for)[ ](www.regulations.gov by searching for)Docket ID OCC–2025–0405 and [https://](https://)[ ](https://)[occ.gov/topics/lawsfdo-and-regulations/](occ.gov/topics/lawsfdo-and-regulations/)[ ](occ.gov/topics/lawsfdo-and-regulations/)[occ-regulations/proposed-issuances/](occ-regulations/proposed-issuances/)[ ](occ-regulations/proposed-issuances/)[index-proposed-issuances.html.](index-proposed-issuances.html.)[ ](index-proposed-issuances.html.)Executive Orders 12866 and 14192 Executive Order 12866, titled‘‘Regulatory Planning and Review,’’ as amended, requires the Office of Information and Regulatory Affairs (OIRA), Office of Management and Budget, to determine whether a proposed rule is a ‘‘significant regulatory action.’’ If OIRA finds the proposed rule to be a ‘‘significant regulatory action,’

FAQs

What does the proposed rule do with respect to existing regulations?

It would rescind or amend existing regulations and does not include any new mandates.

Why is an Initial Regulatory Flexibility Analysis not required?

Because the proposed rule would not have a significant economic impact on a substantial number of small entities.

What is the expected cost impact under the Unfunded Mandates Reform Act (UMRA)?

Costs associated with the proposed rule, if finalized as proposed, are estimated to be de minimis, so the written statement described in UMRA section 202 is not prepared.

Sep 4, 2026

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