# 2025-19934: Fed Keeps Flood-Prone Loan Rules Steady for Years

2025-19934, Agency Information Collection Activities: Announcement of Board Approval Under Delegated Authority and Submission to OMB, is a Federal Register notice from Federal Reserve System published 2025-11-17, effective Final Approval Under OMB Delegated Authority of the Extension for Three Years, Without Revision, of the Following Information Collection (Board of Governors of the Federal Reserve System, October 9, 2025). (as of 2026-06-08).

- Canonical: https://policyrisk.com/federal-register/2025-19934
- As of: 2026-06-08
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2025-19934
- Title: Agency Information Collection Activities: Announcement of Board Approval Under Delegated Authority and Submission to OMB
- Type: Notice
- Agencies: Federal Reserve System
- Citation: 90 FR 51354
- Published: 2025-11-17
- Effective: Final Approval Under OMB Delegated Authority of the Extension for Three Years, Without Revision, of the Following Information Collection (Board of Governors of the Federal Reserve System, October 9, 2025).
- Comments close: not stated
- Significant: no
- Touches household money: no
- Regulation identifier numbers: none
- Last updated: 2026-06-08

## In one line

Fed Keeps Flood-Prone Loan Rules Steady for Years

## 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!

## Abstract

The Board of Governors of the Federal Reserve System (Board) is adopting a proposal to extend for three years, without revision, the Recordkeeping and Disclosure Requirements Associated with Regulation H (Loans Secured by Real Estate Located in Flood Hazard Areas) (FR H-2; OMB No. 7100-0280).

## Effects PRIA read

- Banks must keep flood-loan records: cost, medium. 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,…
- Homebuyers must maintain flood insurance: cost, medium. 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 h…

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## Sources
- [2025-19934 on federalregister.gov](https://www.federalregister.gov/documents/2025/11/17/2025-19934/agency-information-collection-activities-announcement-of-board-approval-under-delegated-authority)
- [2025-19934 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2025-11-17/pdf/2025-19934.pdf)

## Related
- [Previous: 2025-19933, Proposed Agency Information Collection Activities; Comment Request](https://policyrisk.com/federal-register/2025-19933)
- [Next: 2025-19935, Administrative Declaration of a Disaster for the State of Florida](https://policyrisk.com/federal-register/2025-19935)
- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2025-19934 (as of 2026-06-08).