{"abstract":"The OCC is issuing a final rule to codify longstanding and recognized powers of national banks and Federal savings associations (collectively, banks) to establish or maintain real estate lending escrow accounts and to exercise flexibility in making business judgments as to the terms and conditions of such accounts, including whether and to what extent to offer any compensation or to assess any fees related thereto.","action":"Final rule.","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"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2026/05/19/2026-10036.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"34","title":12},{"chapter":null,"citation_url":null,"part":"160","title":12}],"citation":"91 FR 29340","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This final rule is effective on June 18, 2026.","disposition_notes":null,"docket_ids":["Docket ID OCC-2025-0736"],"dockets":[{"supporting_documents":[{"title":"Summary of 2.17.2026 BPI Research","document_id":"OCC-2025-0736-0021"},{"title":"Summary of 1.30.2026 Meeting with WilmerHale","document_id":"OCC-2025-0736-0020"}],"agency_name":"OCC","documents":[{"comment_count":0,"comment_start_date":"2026-05-19","updated_at":"2026-05-19T11:56:30.954-04:00","comment_url":"https://www.regulations.gov/commenton/OCC-2025-0736-0024","allow_late_comments":false,"id":"OCC-2025-0736-0024","comment_end_date":null,"regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":2,"id":"OCC-2025-0736","title":"Real Estate Lending Escrow Accounts"}],"document_number":"2026-10036","effective_on":"2026-06-18","end_page":29347,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2026/05/19/2026-10036.xml","html_url":"https://www.federalregister.gov/documents/2026/05/19/2026-10036/real-estate-lending-escrow-accounts","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2026-10036?publication_date=2026-05-19","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2026-05-19/2026-10036/mods.xml","not_received_for_publication":null,"page_length":8,"page_views":{"count":416,"last_updated":"2026-05-28 12:15:07 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-19/pdf/2026-10036.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10036.pdf?1779108318","publication_date":"2026-05-19","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2026/05/19/2026-10036.txt","regulation_id_number_info":{"1557-AF46":null},"regulation_id_numbers":["1557-AF46"],"regulations_dot_gov_info":{"supporting_documents":[{"title":"Summary of 2.17.2026 BPI Research","document_id":"OCC-2025-0736-0021"},{"title":"Summary of 1.30.2026 Meeting with WilmerHale","document_id":"OCC-2025-0736-0020"}],"comments_count":0,"agency_id":"OCC","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=OCC-2025-0736","supporting_documents_count":2,"docket_id":"OCC-2025-0736","document_id":"OCC-2025-0736-0024","regulation_id_number":"1557-AF46","title":"Real Estate Lending Escrow Accounts","checked_regulationsdotgov_at":"2026-05-20T14:55:05Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":29340,"subtype":null,"title":"Real Estate Lending Escrow Accounts","toc_doc":"Real Estate Lending Escrow Accounts","toc_subject":null,"topics":["Accounting","Banks, banking","Consumer protection","Credit","Investments","Manufactured homes","Mortgages","National banks","Reporting and recordkeeping requirements","Savings associations","Securities","Usury"],"type":"Rule","volume":91}