{"abstract":"The OCC is issuing a preemption determination concluding that Federal law preempts State laws that restrict OCC-regulated banks' flexibility to decide whether and to what extent to pay interest or other compensation on funds placed in real estate escrow accounts; or assess fees in connection with such accounts. This preemption determination will provide much-needed clarity to banks and other stakeholders.","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"},{"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/2026/05/19/2026-10037.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"34","title":12}],"citation":"91 FR 29350","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-2025-0735"],"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":0,"comment_start_date":"2026-05-19","updated_at":"2026-05-19T11:56:25.914-04:00","comment_url":"https://www.regulations.gov/commenton/OCC-2025-0735-0028","allow_late_comments":false,"id":"OCC-2025-0735-0028","comment_end_date":null,"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":"2026-10037","effective_on":"2026-06-18","end_page":29358,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2026/05/19/2026-10037.xml","html_url":"https://www.federalregister.gov/documents/2026/05/19/2026-10037/preemption-determination-state-interest-on-escrow-laws","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2026-10037?publication_date=2026-05-19","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2026-05-19/2026-10037/mods.xml","not_received_for_publication":null,"page_length":9,"page_views":{"count":541,"last_updated":"2026-05-28 12:15:07 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-19/pdf/2026-10037.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10037.pdf?1779108318","publication_date":"2026-05-19","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2026/05/19/2026-10037.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":0,"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-2025-0735-0028","regulation_id_number":"1557-AF45","title":"Preemption Determination: State Interest-on-Escrow Laws","checked_regulationsdotgov_at":"2026-05-20T14:55:05Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":29350,"subtype":null,"title":"Preemption Determination: State Interest-on-Escrow Laws","toc_doc":"Preemption Determination","toc_subject":"State Interest-on-Escrow Laws","topics":["Accounting","Banks, banking","Consumer protection","Credit","Mortgages","National banks","Reporting and recordkeeping requirements","Savings associations"],"type":"Rule","volume":91}