The Federal Deposit Insurance Corporation announced on May 29 the release of its lists of institutions scheduled for Community Reinvestment Act examinations during the third and fourth quarters of 2026.
The Community Reinvestment Act, enacted in 1977, requires the FDIC to assess how well banks meet the credit needs of their entire communities, including low- and moderate-income neighborhoods, while maintaining safe and sound operations. These examinations enable federal regulators to evaluate each institution’s efforts in this area.
CRA examination scheduling depends on a bank’s asset size and previous CRA rating. The FDIC said that institutions with $250 million or less in assets and a Satisfactory rating may be examined no more than once every 48 months unless there is reasonable cause. Institutions with $250 million or less in assets and an Outstanding rating may be examined no more than once every 60 months without reasonable cause.
The published schedules cover July 1 through September 30, 2026, and October 1 through December 31, 2026. The FDIC noted that these schedules are based on current information but are subject to change. Examinations may occur outside the schedule if required by applications for deposit facilities or if certain institutions need additional time or resources for review.
Public comment is encouraged regarding institutions scheduled for examination under the CRA. Comments about FDIC-supervised banks should be sent either directly to those institutions or to the Deputy Regional Director at the relevant FDIC regional office prior to completion of an examination. The attached schedules can also be obtained by phone, fax, or mail from the FDIC Public Information Center.
