{"abstract":"The Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) are proposing to amend their Community Reinvestment Act rules by making certain substantive, technical, and process-oriented changes to refocus on the statutory objective of encouraging banks to meet the credit needs of their communities; to better ensure that community development grants reach the communities they are intended to benefit; to reduce unnecessary burden, particularly for community banks; and to provide greater clarity for how to obtain CRA consideration. The OCC and the FDIC are also proposing certain technical changes to their rules implementing the Community Reinvestment Act sunshine requirements of the Federal Deposit Insurance Act. In addition, the OCC is proposing similar technical changes to its Public Welfare Investments rule and its Rules, Policies, and Procedures for Corporate Activities.","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"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2026/08/12/2026-16454.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"5","title":12},{"chapter":null,"citation_url":null,"part":"24","title":12},{"chapter":null,"citation_url":null,"part":"25","title":12},{"chapter":null,"citation_url":null,"part":"35","title":12},{"chapter":null,"citation_url":null,"part":"345","title":12},{"chapter":null,"citation_url":null,"part":"346","title":12}],"citation":"91 FR 52114","comment_url":"http://www.regulations.gov/commenton/OCC_FRDOC_0001-0434","comments_close_on":"2026-10-13","correction_of":null,"corrections":[],"dates":"Comments must be received on or before October 13, 2026.","disposition_notes":null,"docket_ids":["Docket ID OCC-2026-0694"],"dockets":[{"supporting_documents":[],"agency_name":"OCC","documents":[{"comment_count":0,"comment_start_date":"2026-08-12","updated_at":"2026-08-12T08:56:24.423-04:00","comment_url":"https://www.regulations.gov/commenton/OCC_FRDOC_0001-0434","allow_late_comments":false,"id":"OCC_FRDOC_0001-0434","comment_end_date":"2026-10-14","regulations_dot_gov_open_for_comment":true}],"supporting_documents_count":0,"id":"OCC_FRDOC_0001","title":"OCC FR Feed"}],"document_number":"2026-16454","effective_on":null,"end_page":52218,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2026/08/12/2026-16454.xml","html_url":"https://www.federalregister.gov/documents/2026/08/12/2026-16454/community-reinvestment-act-regulations","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2026-16454?publication_date=2026-08-12","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2026-08-12/2026-16454/mods.xml","not_received_for_publication":null,"page_length":105,"page_views":{"count":1,"last_updated":"2026-08-12 08:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-08-12/pdf/2026-16454.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-16454.pdf?1786452319","publication_date":"2026-08-12","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2026/08/12/2026-16454.txt","regulation_id_number_info":{"3064-AG31":null,"1557-AF57":null},"regulation_id_numbers":["1557-AF57","3064-AG31"],"regulations_dot_gov_info":{"supporting_documents":[],"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_FRDOC_0001","supporting_documents_count":0,"docket_id":"OCC_FRDOC_0001","document_id":"OCC_FRDOC_0001-0434","regulation_id_number":null,"title":"OCC FR Feed","checked_regulationsdotgov_at":"2026-08-12T12:56:23Z"},"regulations_dot_gov_url":"http://www.regulations.gov/commenton/OCC_FRDOC_0001-0434","significant":null,"signing_date":null,"start_page":52114,"subtype":null,"title":"Community Reinvestment Act Regulations","toc_doc":"Community Reinvestment Act Regulations","toc_subject":null,"topics":["Administrative practice and procedure","Banks, banking","Community development","Credit","Freedom of information","Investments","Low and moderate income housing","Manpower","Reporting and recordkeeping requirements","Rural areas","Savings associations","Securities","Small businesses"],"type":"Proposed Rule","volume":91}