Nearly 400 banks are slated for evaluations under the anti-redlining Community Reinvestment Act (CRA) over the following two calendar quarters, according to schedules released Friday.
Both the Federal Deposit Insurance Corp. (FDIC) and the Office of the Comptroller of the Currency (OCC) released schedules for evaluations that are expected to occur from April 1 through Sept. 30.
As the agencies note often, the 1977 CRA requires the regulators to assess a supervised bank’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operations. The CRA exams are to assess whether banks are meeting those needs, the FDIC said in Friday’s release.
A total of 382 banks are slated for the second- and third-quarter exams – 136 by the OCC and 246 by the FDIC.
The exams are scheduled based on an institution’s asset size and CRA rating. “Absent reasonable cause, an institution with $250 million or less in assets and a CRA rating of Satisfactory can be subject to a CRA examination no more frequently than once every 48 months,” the FDIC said. “Absent reasonable cause, an institution with $250 million or less in assets and a CRA rating of Outstanding can be subject to a CRA examination no more frequently than once every 60 months.”
OCC Issues Second and Third Quarter 2026 CRA Evaluation Schedule
FDIC Issues CRA Examination Schedules for Second Quarter 2026 and Third Quarter 2026
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