{"abstract":"The OCC is proposing to issue a preemption determination concluding that federal law preempts state laws that eliminate OCC- regulated banks' flexibility to decide whether and to what extent to (1) pay interest or other compensation on funds placed in real estate escrow accounts; or (2) assess fees in connection with such accounts. This preemption determination would provide much needed clarity to banks and other stakeholders.","action":"Notice of proposed rulemaking.","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2025/12/30/2025-23987.html","cfr_references":[{"chapter":null,"citation_url":null,"part":34,"title":12}],"citation":"90 FR 61093","comment_url":null,"comments_close_on":"2026-01-29","correction_of":null,"corrections":[],"dates":"Comments must be received on or before January 29, 2026.","disposition_notes":null,"docket_ids":["Docket ID OCC-2025-0735"],"dockets":[{"supporting_documents":[{"title":"Summary of 1.30.2026 Meeting with WilmerHale","document_id":"OCC-2025-0735-0024"},{"title":"Summary of 2.17.2026 BPI Research","document_id":"OCC-2025-0735-0023"}],"agency_name":"OCC","documents":[{"comment_count":55,"comment_start_date":"2025-12-30","updated_at":"2026-03-28T01:56:27.647-04:00","comment_url":"https://www.regulations.gov/commenton/OCC-2025-0735-0001","allow_late_comments":false,"id":"OCC-2025-0735-0001","comment_end_date":"2026-01-30","regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":2,"id":"OCC-2025-0735","title":"Preemption Determination: State Interest-on-Escrow Laws"}],"document_number":"2025-23987","effective_on":null,"end_page":61099,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2025/12/30/2025-23987.xml","html_url":"https://www.federalregister.gov/documents/2025/12/30/2025-23987/preemption-determination-state-interest-on-escrow-laws","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2025-23987?publication_date=2025-12-30","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2025-12-30/2025-23987/mods.xml","not_received_for_publication":null,"page_length":7,"page_views":{"count":1355,"last_updated":"2026-04-04 04:15:05 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-30/pdf/2025-23987.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-23987.pdf?1767015917","publication_date":"2025-12-30","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2025/12/30/2025-23987.txt","regulation_id_number_info":{"1557-AF45":null},"regulation_id_numbers":["1557-AF45"],"regulations_dot_gov_info":{"supporting_documents":[{"title":"Summary of 1.30.2026 Meeting with WilmerHale","document_id":"OCC-2025-0735-0024"},{"title":"Summary of 2.17.2026 BPI Research","document_id":"OCC-2025-0735-0023"}],"comments_count":55,"agency_id":"OCC","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=OCC-2025-0735","supporting_documents_count":2,"docket_id":"OCC-2025-0735","document_id":"OCC-2025-0735-0001","regulation_id_number":"1557-AF45","title":"Preemption Determination: State Interest-on-Escrow Laws","checked_regulationsdotgov_at":"2026-03-28T22:55:04Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":61093,"subtype":null,"title":"Preemption Determination: State Interest-on-Escrow Laws","toc_doc":"State Interest-on-Escrow Laws","toc_subject":"Preemption Determination","topics":[],"type":"Proposed Rule","volume":90}