Agencies Issue Joint Proposal Amending the Community Reinvestment Act Rules — 2026-07-31

WASHINGTON—The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation (the agencies) today proposed targeted changes to their current rules implementing the Community Reinvestment Act (CRA) to better align with the statutory mandate; better ensure that community development grants reach the communities they are intended to benefit; reduce burden for banks, particularly for community banks; and provide greater clarity for how to obtain CRA consideration. The CRA requires the agencies to assess a bank’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operations. The rulemaking would retain the key elements of the regulatory framework that the agencies have generally applied since 1995 and would propose certain substantive, technical, and process-oriented changes. Although the agencies adopted CRA final rules on October 24, 2023, the U.S.