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Federal Register Publications

Comments RIN 3064–AG13 (July 18, 2025)

Community Reinvestment Act Regulations
12 CFR Parts 345 and 346 RIN 3064–AG13

Notice of proposed rulemaking

Summary: The Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System, and the Office of the Comptroller of the Currency (collectively, the agencies) propose to amend their Community Reinvestment Act (CRA) regulations by rescinding the final rule titled “Community Reinvestment Act” published in the Federal Register on February 1, 2024, and replacing it with the agencies’ CRA regulations in effect on March 29, 2024, with certain conforming and technical amendments.  The agencies are also proposing technical amendments to their regulations implementing the CRA sunshine requirements of the Federal Deposit Insurance Act.

90 FR 34086
Comment Period End: August 18, 2025

 

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Submitted By
01. Kenneth H. Thomas, Ph.D.
02. National Diversity Coalition (NDC), Faith Bautista and Pastor Jack Miranda
03. Bank Five Nine (BFN), Timothy J. Schneider and Jeff Langkamp
04. Bank Policy Institute (BPI). Paige Pidano Paridon
05. Chicago Community Loan Fund, Robert G. Tucker
06. Comenity Bank, Baron Schlachter
07. Comenity Capital Bank, Bruce Bowman
08. Community Development Bankers Association (CDBA), Jeannine Jacokes
09. Horicon Bank, Alexandra G. Solanki
10. Housing Assistance Council (HAC), David Lispetz
11. Milestone Bank, Anita Garrett
12. Milestone Bank, Gary Harding and Anita Garrett
13. Mortgage Bankers Association (MBA), Pete Mills and Jamie Woodwell
14. National Association of Home Builders (NAHB), Jessica R. Lynch
15. National Community Reinvestment Coalition (NCRC) and 113 organizations
16. National Council of State Housing Agencies (NCSHA), Greg Zagorski
17. NeighborWorks America, Marietta Rodriguez
18. OneLocal Bank, Tracey A. Robbins
19. Partnership for Financial Equity, Thomas Collahan
20. Peoples Bank, Melinda Kaemingk
21. Rise Economy and 43 organizations
22. Wisconsin Bankers Association, Rose Oswald Poels
23. First National Bank of Omaha (FNBO), Christine Turner
24. U.S. Senator Catherine Cortez Masto

Last Updated: September 15, 2025