The Federal Deposit Insurance Corporation revised its Consumer Compliance Examination Manual to update the examination frequency schedule, resulting in less frequent consumer compliance examinations and Community Reinvestment Act (CRA) evaluations for most FDIC-supervised financial institutions. Section II-12.1 now generally places institutions on a 66–78 month, 54–66 month, or 24–36 month cycle depending on asset size, measured from the date of the last joint consumer compliance examination and CRA evaluation. For institutions on the 66–78 month or 54–66 month cycle with no targeted consumer compliance examination or CRA evaluation, examiners will conduct a mid-point risk analysis to determine whether an intervening supervisory activity, such as a targeted visitation, is needed. Institutions with adverse ratings, defined as not rated “1” or “2” for Consumer Compliance and “Outstanding” or “Satisfactory” for CRA, will be subject to more frequent supervisory activities. A redlined document was published to show the changes.
Federal Deposit Insurance Corporation 2025-11-07
Federal Deposit Insurance Corporation lengthens consumer compliance and CRA examination cycles and adds mid-point risk analysis
The Federal Deposit Insurance Corporation updated its Consumer Compliance Examination Manual, altering the examination frequency schedule for FDIC-supervised financial institutions. Institutions are now placed on a 66–78 month, 54–66 month, or 24–36 month cycle based on asset size, with mid-point risk analyses for those on longer cycles. More frequent supervision applies to institutions with adverse ratings.