Fed Renews Bank Reports on Low-Income Community Investments
Published Date: 12/8/2025
Notice
Summary
The Federal Reserve is extending its rules for banks to report and share info about how they help their communities for three more years—no changes, just a fresh green light. This affects banks and savings associations, keeping the same paperwork and deadlines, so no surprises or extra costs. It’s all about making sure banks keep doing their part to support neighborhoods without adding new hoops to jump through.
Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
Three-Year Extension of CRA Reporting
The Federal Reserve approved a three-year extension of the Reporting, Recordkeeping, and Disclosure Requirements associated with Regulation BB (FR BB; OMB No. 7100-0197). State member banks must continue the same annual reporting; the Board estimates a total annual burden of 91,670 hours across reporting items. The notice lists respondents and average hours for several items, for example: HMDA out-of-MSA loan data — 140 respondents at 253 hours per response; consumer loan data — 36 respondents at 326 hours per response; public file and public notice — 704 respondents at 10 hours per response.
No Changes — Requirements Stay the Same
The Board extended FR BB for three years without revision, so there are no new forms, new data elements, or new deadlines being added. If you are a state member bank, you will keep following the current Regulation BB reporting, recordkeeping, and disclosure rules for the extension period.
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Key Dates
Related Federal Register Documents
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2026-05960, Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets
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2025-21625, Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework
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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
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2026-20509, Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks: Bank Holding Companies
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Previous / Next Documents
Previous: 2025-22260, Agency Information Collection Activities: Announcement of Board Approval Under Delegated Authority and Submission to OMB
The Federal Reserve is extending and updating its U.S. Currency Program Surveys for three more years, starting January 7, 2026. This affects banks and businesses that provide currency data, helping the Fed keep track of money quality and flow. No big cost changes are expected, but the updates will keep the surveys fresh and useful.
Next: 2025-22262, Agency Information Collection Activities: Announcement of Board Approval Under Delegated Authority and Submission to OMB
The Federal Reserve Board is extending a key reporting rule for three more years without any changes. This rule affects banks and related groups who must share certain community investment agreements. No new costs or deadlines are added, just a smooth continuation of current requirements.