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.
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
Department and Agencies
Related Federal Register Documents
2026-17823, Unsafe or Unsound Practices, Matters Requiring Attention
The OCC and FDIC are rolling out a new rule starting November 2, 2026, that clearly defines what counts as 'unsafe or unsound practices' for banks and savings institutions. This update helps banks focus on big financial risks instead of small paperwork issues, making supervision smarter and fairer. Banks will need to adjust how they handle these risks, which could affect their operations and how they communicate with regulators.
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.
2025-21626, 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.
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.
2026-20735, Extensions of Credit to Insiders
The FDIC is giving banks and insiders more time to share their thoughts on new rules about loans to insiders by extending the comment deadline to November 4, 2026. These rules aim to keep lending fair and safe, especially when insiders like executives or board members borrow money. If you’re involved with banks or interested in fair lending, now’s your chance to speak up before the final rules are set!
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!