Community Development Community Reinvestment Act (CRA) Regulatory Updates
Here We Go Again: The OCC and FDIC CRA ProposalOn July 31, 2026, the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) issued a joint notice of proposed rulemaking to amend their Community Reinvestment Act (CRA) regulations. The Federal Reserve did not join. Fed-supervised institutions would stay under the current rule unless the Board acts separately. The […]
Fair Lending Fair Servicing Product Update
New MLA and SCRA Fields in RiskExecA difference in outcomes that looks unexplained may actually reflect a legitimate regulatory requirement, a prohibited basis, or a military-related protection. When those variables aren't available in the analysis, every such difference collapses into unexplained variance, which is the hardest kind to evaluate and to defend in a review. Financial institutions can now capture and […]
CRA Industry Insight Regulatory Updates
The Road Less Travelled to the ROAD to Housing LawThe biggest housing law in three decades became law at midnight on July 11. No ceremony, no signature. The President let the constitutional clock run out, and the 21st Century ROAD to Housing Act quietly took effect without fanfare. However, as they say sometimes the devil is in the details. Most of the coverage and […]
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