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.
In particular, Section II-12.1 of the Manual has been revised to reflect an updated consumer compliance examination and CRA evaluation frequency schedule. With the changes,iInstitutions will generally be on an examination cycle of 66-78 months, 54-66 months, or 24-36 months, depending on their asset size. For institutions on an examination cycle of 66-78 months or 54-66 months, with no targeted Consumer Compliance examination or CRA evaluation, examiners will conduct a mid-point risk analysis of the institution and determine if an intervening supervisory activity, such as a targeted visitation, is needed. Adversely rated institutions will encounter more frequent supervisory activities.
Read the FDIC’s press release here.
The updated Consumer Compliance Examination Manual is found here.