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Government Relations & Public Policy

OCC and FDIC Propose Changes to Community Reinvestment Act Rules

September 3, 2026

The Office of the Comptroller of the Currency (OCC) and Federal Deposit Insurance Corporation (FDIC) have proposed changes to their regulations implementing the Community Reinvestment Act (CRA).

The proposal would retain key elements of the regulatory framework in place since 1995 while placing greater emphasis on lending, narrowing the retail banking services considered in CRA evaluations to focus on credit services and reducing certain data collection and reporting requirements for banks with $10 billion or less in assets.

The proposal was published in the Federal Register on August 12 and comments are due October 13.

Of particular interest to the Marketplaces Industry, the proposal expressly includes supermarkets within the definition of an “essential community facility” for purposes of certain community development activities in low- and moderate-income communities and other targeted areas.

ICSC welcomes this specific inclusion but is continuing to review other parts of the proposal that would narrow eligibility to ensure that other types of community reinvestment are not inadvertently excluded.

If you have thoughts on this proposal, please reach out to Andy Fishburn at afishburn@icsc.com.