The Federal Deposit Insurance Corporation (FDIC) has issued the lists of institutions scheduled for Community Reinvestment Act (CRA) examinations in the third and fourth quarters of 2025, covering examinations planned for July 1 to September 30, 2025 and October 1 to December 31, 2025. The release reflects the requirement for federal bank and thrift regulators to publish quarterly CRA examination schedules 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. The FDIC noted that scheduling is based on asset size and CRA rating, and that absent reasonable cause an institution with USD 250 million or less in assets and a Satisfactory rating cannot be examined more frequently than once every 48 months, while one rated Outstanding cannot be examined more frequently than once every 60 months. The schedules are based on the best information currently available and may change, including where an institution is examined in connection with an application for a deposit facility or where resourcing and timing shifts delay other examinations. Federal bank and thrift regulators encouraged public comment on the institutions scheduled for CRA examinations, and the FDIC indicated that comments received before completion of a CRA examination will be considered.

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