On August 25, 2026, the ABA Banking Journal wrote an article reporting that the FDIC has held discussions with the Federal Reserve regarding proposed changes to the Community Reinvestment Act (CRA) regulations and would welcome the Federal Reserve’s participation in the rulemaking process.

On July 31, 2026, the OCC and FDIC issued a joint proposal to amend parts of the Community Reinvestment Act (CRA). The proposed changes are intended to better align the regulations with the statutory mandate, help ensure community development activities benefit their intended communities, reduce burden particularly for community banks, and provide greater clarity on how banks can receive CRA consideration.

On June 30, 2026, the FFIEC announced the release of distressed or underserved nonmetropolitan middle-income geographies. As explained in the release, these are geographic areas where revitalization or stabilization activities are eligible to receive Community Reinvestment Act (CRA) consideration under the community development definition.

On December 30, 2025, the Federal Reserve Board and the FDIC issued the 2026 updated asset-size thresholds used to define "small bank" and "intermediate small bank" under their Community Reinvestment Act (CRA) regulations.

On December 17, 2025, the OCC issued proposed guidance for a simplified strategic plan process for community banks to comply with the Community Reinvestment Act (CRA). This action is part of OCC’s reform to reduce burden and tailor examination activities for community banks.

On November 13, 2025, the federal bank regulatory agencies, as members of the Federal Financial Institutions Examination Council (FFIEC), released the 2024 Small Business, Small Farm, and Community Development Lending Data. The analysis was conducted using data compiled for banks, savings and loan associations, and savings banks reporting under the CRA regulations.

On November 7, 2025, the FDIC revised its Consumer Compliance Examination Manual to reflect an updated examination frequency schedule whereby consumer compliance examinations and Community Reinvestment Act (CRA) evaluations will occur less frequently for most institutions. The update also establishes a new compliance mid-point risk analysis for certain institutions.

On June 25, 2025, the agencies released the 2025 list of distressed or underserved nonmetropolitan middle-income geographies. These are geographic areas where revitalization or stabilization activities are eligible to receive Community Reinvestment Act (CRA) consideration under the community development definition.

On December 20, 2024, the Federal Reserve Board and the FDIC issued the 2025 updated asset-size thresholds used to define "small bank" and "intermediate small bank" under their Community Reinvestment Act (CRA) regulations.