# 2026-16454: Bank Community Credit Rules Get Another Bureaucratic Tune-Up

2026-16454, Community Reinvestment Act Regulations, is a Federal Register proposed rule from Treasury Department, Comptroller of the Currency, Federal Deposit Insurance Corporation published 2026-08-12, effective Comments must be received on or before October 13, 2026.; PRIA reads it as touching household money (as of 2026-10-28).

- Canonical: https://policyrisk.com/federal-register/2026-16454
- As of: 2026-10-28
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2026-16454
- Title: Community Reinvestment Act Regulations
- Type: Proposed Rule
- Agencies: Treasury Department; Comptroller of the Currency; Federal Deposit Insurance Corporation
- Citation: 91 FR 52114
- Published: 2026-08-12
- Effective: Comments must be received on or before October 13, 2026.
- Comments close: 2026-10-13
- Significant: no
- Touches household money: yes
- Regulation identifier numbers: 1557-AF57, 3064-AG31
- Last updated: 2026-10-28

## In one line

Bank Community Credit Rules Get Another Bureaucratic Tune-Up

## Summary

The government is updating rules to help banks better support their local communities by making loans and grants that really count. These changes aim to cut red tape, especially for smaller banks, and make it clearer how banks can get credit for helping out. If you want to share your thoughts, you’ve got until October 13, 2026, to speak up!

## Abstract

The Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) are proposing to amend their Community Reinvestment Act rules by making certain substantive, technical, and process-oriented changes to refocus on the statutory objective of encouraging banks to meet the credit needs of their communities; to better ensure that community development grants reach the communities they are intended to benefit; to reduce unnecessary burden, particularly for community banks; and to provide greater clarity for how to obtain CRA consideration. The OCC and the FDIC are also proposing certain technical changes to their rules implementing the Community Reinvestment Act sunshine requirements of the Federal Deposit Insurance Act. In addition, the OCC is proposing similar technical changes to its Public Welfare Investments rule and its Rules, Policies, and Procedures for Corporate Activities.

## Effects PRIA read

- Reduced Burden for Small Community Banks: benefit, low. The proposal says it will cut unnecessary regulatory burden, especially for community banks. It explicitly says this relief is intended for "small banks" (currently defined as those with assets less than $1.649 billion as of December 31 of either of the prior two calendar years) and for banks that…
- Refocus CRA Supervision on Lending: benefit, medium. The agencies propose to refocus the Community Reinvestment Act supervision on encouraging banks to meet local credit needs by increasing the focus on lending. The proposal keeps large banks subject to lending, investment, and service tests and retains tailored lending tests for small banks and a ne…
- Tighten How Community Development Grants Are Counted: benefit, medium. The proposal seeks to better ensure that community development (CD) grants actually reach the communities they are meant to benefit and are not diverted to other activities or excessive operating costs. The agencies state they will revise the rules to make clearer how banks can receive CRA consider…

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- [2026-17823](https://policyrisk.com/federal-register/2026-17823): Unsafe or Unsound Practices, Matters Requiring Attention, 2026-09-01
- [2026-08298](https://policyrisk.com/federal-register/2026-08298): Regulatory Capital Rule: Community Bank Leverage Ratio Framework, 2026-04-29
- [2026-05960](https://policyrisk.com/federal-register/2026-05960): Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets, 2026-03-27
- [2025-21625](https://policyrisk.com/federal-register/2025-21625): Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework, 2025-12-01
- [2025-21626](https://policyrisk.com/federal-register/2025-21626): Regulatory Capital Rule: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank H…, 2025-12-01
- [2026-21841](https://policyrisk.com/federal-register/2026-21841): Proposed Agency Information Collection Activities; Comment Request, 2026-10-27

## Sources
- [2026-16454 on federalregister.gov](https://www.federalregister.gov/documents/2026/08/12/2026-16454/community-reinvestment-act-regulations)
- [2026-16454 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2026-08-12/pdf/2026-16454.pdf)

## Related
- [Previous: 2026-16414, Adoption and Foster Care Analysis and Reporting System](https://policyrisk.com/federal-register/2026-16414)
- [Next: 2026-16502, Airworthiness Directives; Rolls-Royce Deutschland Ltd & Co KG Engines](https://policyrisk.com/federal-register/2026-16502)
- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2026-16454 (as of 2026-10-28).