On July 31, 2026, the OCC issued Bulletin 2026-35 announcing an interagency notice of proposed rulemaking on the Community Reinvestment Act. This was the main OCC rulemaking development identified in the July 20 to August 3, 2026 window.
What changed
The OCC moved CRA policy forward through an interagency proposed rule rather than a final rule. The proposal opened a new rulemaking step and signaled potential future changes to CRA standards or administration.
Compliance perspective
Banks should review the proposal closely, map the sections that affect assessment areas, data, performance tests, or community development treatment, and prepare comment strategy if the changes affect footprint or reporting burden. Multi-state institutions should coordinate one response across business, CRA, and regulatory teams.
Key date
Effective date: July 31, 2026.
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