Fed Keeps Flood-Prone Loan Rules Steady for Years
Published Date: 11/17/2025
Notice
Summary
The Federal Reserve is keeping the rules for banks about loans on flood-prone properties the same for the next three years. This means banks must keep records and share info about these loans, but no new changes or costs are coming. If you’re a bank or lender, keep doing what you’ve been doing—nothing new to worry about, and the deadline to follow these rules is extended!
Analyzed Economic Effects
2 provisions identified: 0 benefits, 2 costs, 0 mixed.
Banks must keep flood-loan records
State member banks and their servicers must continue to keep flood-hazard documentation, notify servicers and borrowers, and notify FEMA about servicer identity or changes. The collection (FR H-2, OMB No. 7100-0280) is extended for three years; the Board estimates 706 respondents and a total of 33,983 annual burden hours. The recordkeeping and disclosure requirements remain event-generated and unchanged.
Homebuyers must maintain flood insurance
If you borrow from a state member bank for real estate in a Special Flood Hazard Area, the lender must not make, increase, extend, or renew the loan unless the property is covered by flood insurance for the term of the loan. Banks must also notify borrowers and servicers about properties in flood hazard areas and flood insurance requirements; those notification rules are extended unchanged for three years under FR H-2 (OMB No. 7100-0280).
Personalized for You
How does this regulation affect your finances?
Personalize government policy and PRIA will tell you what this federal register document means for your household, plus every other regulation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
Key Dates
Related Federal Register Documents
2026-08298, Regulatory Capital Rule: Community Bank Leverage Ratio Framework
Starting July 1, 2026, community banks get a break! The minimum leverage ratio drops from 9% to 8%, making it easier for smaller banks to meet rules. Plus, banks can now stay in this easier framework longer—up to four straight quarters instead of two—helping them manage their money better without rushing.
2026-05960, Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets
Big banks and community banks are getting new rules to better measure the risks in their loans and investments. The changes update how banks count certain assets and income when figuring out their safety net money, called regulatory capital. These updates aim to make banks safer and smarter with their money, with some rules kicking in soon and affecting how much capital banks need to hold.
2025-21625, Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework
The government wants to make it easier for small banks to stay in a special low-risk capital program by lowering the required leverage ratio from 9% to 8%. They’re also giving banks more time—up to four quarters instead of two—to fix any issues without losing their spot. Banks and bank holding companies should weigh in by January 30, 2026, as these changes could save them money and reduce red tape.
2025-21626, Regulatory Capital Rule: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions; Total Loss-Absorbing Capacity and Long-Term Debt Requirements for U.S. Global Systemically Important Bank Holding Companies
Big U.S. banks that are super important to the economy are getting new rules to keep them safer and stronger. These changes tweak how much money they must keep on hand and how they handle long-term debt, helping prevent financial trouble. The new rules kick in soon and could affect how these banks manage billions in assets and debt.
2026-19702, Notice of Proposals to Engage in or To Acquire Companies Engaged in Permissible Nonbanking Activities
Some companies want to start or buy businesses that do activities related to banking but aren’t banks themselves. The Federal Reserve is checking these plans and asking the public to share their thoughts by October 13, 2026. This affects companies across the U.S. and helps keep banking activities safe and fair.
2026-19701, Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
If you're planning to buy or control shares in a bank or bank holding company, the Federal Reserve wants to know! They’re reviewing applications and inviting the public to share their thoughts by October 13, 2026. This process helps keep banks safe and sound while making sure big money moves get a thumbs-up from the regulators.
Previous / Next Documents
Previous: 2025-19933, Proposed Agency Information Collection Activities; Comment Request
The Federal Reserve wants to keep collecting info about bank branch closures for three more years without changing the form. If you’re a bank or just interested, you can share your thoughts by January 16, 2026. This keeps things smooth and clear, with no new costs or surprises.
Next: 2025-19935, Administrative Declaration of a Disaster for the State of Florida
Florida got hit hard by storms and flooding starting October 26, 2025, and now the government is stepping in with disaster loans to help folks bounce back. If you live in Brevard or nearby counties, you can apply for low-interest loans to fix damage or cover business losses. Act fast—physical damage loans close January 6, 2026, and economic injury loans are available until August 7, 2026.