2026 FFIEC Census Flat File The 2026 FFIEC Census Flat File was released by the agencies on July 17 and it has been added to RiskExec. This is the final census data update for 2026 and includes updated tract-level Median Family Income. CRA Module Branch Proximity to LMI Geographies Radius Report A new Executive report […]
On 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 agencies described it in a joint news release, and the OCC summarized it for supervised institutions in Bulletin 2026-35. […]
On 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 […]
2026 FFIEC Distressed Underserved Tracts The 2026 list of Distressed or Underserved Nonmetropolitan Middle-Income Geographies has been added to RiskExec. Compared with 2025, the 2026 distressed and underserved list added 54 nonmetropolitan middle-income geographies, removed 267, and retained 4,316 designations. The 2026 list has a total of 4,370 designated geographies. Redlining Analysis Module New Dataset […]
The 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 […]
The 21st Century ROAD to Housing Act is now law, and for Community Reinvestment Act (CRA) and community development teams, one change stands out: national banks and state member banks can now hold public-welfare investments equal to as much as 20% of capital and surplus, up from 15%. The higher statutory limit does not apply […]
On June 30, 2026, the Federal Deposit Insurance Corporation (FDIC), Federal Reserve Board (FRB), and Office of the Comptroller of the Currency (OCC) released the 2026 list of distressed or underserved nonmetropolitan middle-income geographies. For Community Reinvestment Act (CRA) purposes, revitalization or stabilization activities in these designated geographies may be eligible for community development consideration. […]
The 2025 Home Mortgage Disclosure Act (HMDA) National Snapshot data was made publicly available by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC) on June 23, 2026. Institutions using RiskExec now have access to the dataset for peer analysis, benchmarking, and year-over-year redlining review. As with any public HMDA […]
Maryland's HB 573, signed into law May 26, 2026 and effective October 1, 2026, may be one of the clearest examples yet of a broader shift occurring in fair lending oversight. While recent federal actions may have narrowed the role of disparate impact theory in some regulatory contexts, Maryland has chosen to codify disparate impact […]
Originally published on November 24, 2025 following the CFPB’s proposed revisions to Section 1071. This article was updated on May 15, 2026 to reflect the finalized rule published in the Federal Register on May 1, 2026. The Consumer Financial Protection Bureau (CFPB) finalized revisions to its Section 1071 small business lending rule on May 1, […]
2025 HMDA Peer Data On March 31, 2026, the CFPB released the preliminary 2025 HMDA Peer Modified LARs. RiskExec takes great pride in being the first in the industry to make this vital dataset available to clients within one business day of CFPB release. This year’s data has over 13.5 million records from 4,766 Respondents […]
HMDA Update Monitoring Following CFPB Discontinuation of GovDelivery Emails The CFPB announced earlier this week that it will discontinue its GovDelivery email notifications (https://ffiec.cfpb.gov/updates-notes). While the CFPB’s decision removes its notification channel, RiskExec’s established monitoring approach remains in place. As part of our ongoing regulatory oversight, we periodically review how updates are communicated to clients. […]