# 2025-00720: Notice of Annual Adjustment of the Cap on Average Total Assets That Defines Community Financial Institutions

2025-00720, Notice of Annual Adjustment of the Cap on Average Total Assets That Defines Community Financial Institutions, is a Federal Register notice from an unnamed agency published 2025-01-15, effective 2025-01-01; PRIA reads it as touching household money (as of 2026-06-08).

- Canonical: https://policyrisk.com/federal-register/2025-00720
- As of: 2026-06-08
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2025-00720
- Title: Notice of Annual Adjustment of the Cap on Average Total Assets That Defines Community Financial Institutions
- Type: Notice
- Agencies: unknown
- Citation: unknown
- Published: 2025-01-15
- Effective: 2025-01-01
- Comments close: not stated
- Significant: no
- Touches household money: yes
- Regulation identifier numbers: none
- Last updated: 2026-06-08

## Summary

Starting January 1, 2025, community financial institutions (CFIs) can now have up to $1.5 billion in average total assets to qualify for special benefits from the Federal Home Loan Bank. This cap went up from last year’s $1.46 billion, following inflation changes. If your bank is a CFI, this means more room to grow and keep enjoying those perks!

## Abstract

The Federal Housing Finance Agency (FHFA) has adjusted the cap on average total assets that is used in determining whether a Federal Home Loan Bank (Bank) member qualifies as a "community financial institution" (CFI) to $1,500,000,000, based on the annual percentage increase in the Consumer Price Index for all urban consumers (CPI-U), as published by the Department of Labor (DOL). This change is effective as of January 1, 2025.

## Effects PRIA read

- CFI Asset Cap Raised to $1.5B: benefit, medium. As of January 1, 2025, the cap on average total assets that defines a community financial institution (CFI) is $1,500,000,000. Any FDIC-insured depository institution with average total assets below $1,500,000,000 meets the statutory CFI cap and therefore qualifies for the CFI advantages described…

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## Sources
- [2025-00720 on federalregister.gov](https://www.federalregister.gov/documents/2025/01/15/2025-00720/notice-of-annual-adjustment-of-the-cap-on-average-total-assets-that-defines-community-financial)
- [2025-00720 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2025-01-15/pdf/2025-00720.pdf)

## Related
- [Previous: 2025-00717, Marine Mammals and Endangered Species](https://policyrisk.com/federal-register/2025-00717)
- [Next: 2025-00727, Advancing the Domestic Manufacturing of Semiconductors in Commercial Informatio…](https://policyrisk.com/federal-register/2025-00727)
- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2025-00720 (as of 2026-06-08).