The Federal Deposit Insurance Corporation has issued the lists of institutions it plans to examine under the Community Reinvestment Act in the third and fourth quarters of 2026, covering July 1 to September 30 and October 1 to December 31. The release provides the agency's quarterly CRA examination calendar, which federal bank and thrift regulators must publish at least 30 days before the start of each quarter. CRA examinations assess a bank's record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operations. Examination timing is based on an institution's asset size and CRA rating. Absent reasonable cause, institutions with USD 250 million or less in assets may be examined no more frequently than every 48 months if rated Satisfactory and every 60 months if rated Outstanding. The FDIC noted that the schedules are based on current information and may change, including because of deposit facility applications or exam resource needs, and that public comments received before an examination is completed will be considered.
Federal Deposit Insurance Corporation2026-05-29
Federal Deposit Insurance Corporation issues third and fourth quarter 2026 Community Reinvestment Act examination schedules
The Federal Deposit Insurance Corporation has published its Community Reinvestment Act examination schedules for the third and fourth quarters of 2026. The lists identify institutions slated for review, with examination frequency determined by asset size and CRA rating, and may change based on updated information, applications, or resource needs, while public comments submitted before completion will be considered.