FDIC Renews Home Loan Paperwork – Banks Rejoice?
Published Date: 12/9/2025
Notice
Summary
The FDIC wants to renew some important paperwork rules that banks follow to share info about home loans and other banking activities. This affects insured state banks and asks for public feedback by February 9, 2026. No big changes or costs are planned, but your comments can help shape the process!
Analyzed Economic Effects
2 provisions identified: 1 benefits, 0 costs, 1 mixed.
Appraisals and Borrower Disclosures
If you apply for a higher‑risk mortgage, the creditor must give you a written disclosure within three days of application. If the loan meets the higher‑risk definition, the creditor must obtain a written appraisal by a certified or licensed appraiser who visits the interior of the property and provide a copy of the appraisal to you; an additional appraisal is required if the seller acquired the property within the previous 180 days at a lower price.
HMDA Reporting and Public Notice Rules
Insured State nonmember banks that meet Regulation C's asset‑size threshold must collect data about home loan applications, update that data quarterly, and report it annually. Institutions must make FFIEC disclosure statements and modified loan application registers available to the public (including written notice on request and posting in branch lobbies for each metropolitan statistical area and metropolitan division); the FDIC estimates the total annual burden for this HMDA collection at 329,347 hours.
Your PRIA Score
Personalized for You
How does this regulation affect your finances?
Sign up for a PRIA Policy Scan to see your personalized alignment score for this federal register document and every other regulation we track. We analyze your financial profile against policy provisions to show you exactly what matters to your wallet.
Key Dates
Department and Agencies
Related Federal Register Documents
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.
2026-11342 — Bank Secrecy Act and Sanctions Compliance Standards for FDIC-Supervised Permitted Payment Stablecoin Issuers
The FDIC is proposing new rules to make sure stablecoin companies they supervise follow important money safety and anti-crime laws. These rules affect stablecoin issuers and aim to keep digital payments safe and legal. Comments on the proposal are open until August 4, 2026, so the public can weigh in before the rules become final.
2026-10066 — Agency Information Collection Activities: Proposed Collection Renewal; Comment Request
The FDIC wants to renew its paperwork rules for businesses that provide services to banks. They’re asking for your thoughts on the current forms and info they collect, with no big changes or extra costs expected. If you want to speak up, make sure to send your comments by June 22, 2026!
2026-09064 — Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation Has Been Appointed Either Receiver, Liquidator, or Manager
The FDIC just updated its list of banks it’s taking over because they closed, including Community Bank and Trust in Georgia as of May 1, 2026. If you had money or business with these banks, the FDIC is now in charge to handle things smoothly. This update helps everyone know which banks are in receivership and what’s next for customers and creditors.
2026-08793 — Notice of Termination of Receiverships
The FDIC has officially closed the receivership for Silver Falls Bank in Silverton, Oregon, as of May 1, 2026. This means all the bank’s affairs are wrapped up, all money owed has been paid out, and the receivership no longer exists. If you had business with this bank, the process is complete and no further actions are needed.
2026-08792 — Notice to All Interested Parties of Intent To Terminate Receiverships
The FDIC is wrapping up its work with two banks, America West Bank and Washington Federal Bank for Savings, and plans to officially end their receiverships in about 30 days. This means all assets are sold, final payments to creditors are coming, and the receiverships won’t continue because they’re no longer needed. If anyone wants to share thoughts, they have 30 days to write in before the shutdown happens.
Previous / Next Documents
Previous: 2025-22358 — Proposed Collection; Comment Request
The U.S. Army Corps of Engineers wants your thoughts on updating some forms they use to check water and land areas. This change aims to make the process clearer and easier, while keeping the paperwork light. If you have ideas or concerns, send them in by February 9, 2026—your input helps shape how they work and saves time for everyone!
Next: 2025-22360 — Product Change-Priority Mail Express, Priority Mail, and USPS Ground Advantage Negotiated Service Agreements; Priority Mail and USPS Ground Advantage Negotiated Service Agreements; Priority Mail Negotiated Service Agreements
The Postal Service is updating its shipping deals for Priority Mail Express, Priority Mail, and USPS Ground Advantage by adding new special contracts. These changes affect businesses and customers who use these services, aiming to offer better pricing and options starting in late 2025. Keep an eye out for these fresh deals that could save money and speed up your shipments!