FDIC Watchdog Examines Banks for Community Neglect

WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) is gearing up to scrutinize banks across the nation, but this isn’t about skimming cash or laundering drug money. It’s about a different kind of financial crime: neglecting the communities they’re supposed to serve. Today, the FDIC released its schedule for Community Reinvestment Act (CRA) examinations for the fourth quarter of 2025, a move that puts banks on notice that their lending practices will be under a microscope.

The Community Reinvestment Act, a 1977 law, demands that banks meet the credit needs of *all* their communities, especially those low- and moderate-income neighborhoods often left behind. These aren’t just suggestions; they’re requirements. The FDIC, along with other federal regulators, uses CRA examinations to assess whether banks are living up to these obligations. Think of it as a financial check-up – but one with potentially serious consequences for those who fail.

The frequency of these examinations isn’t random. Banks with assets of $250 million or less, boasting a “Satisfactory” CRA rating, can expect a check-up no more than once every 48 months. Those with an “Outstanding” rating get a slightly longer leash – up to 60 months. But don’t think a clean record guarantees immunity. The FDIC warns that the schedule is fluid, subject to change based on unforeseen circumstances or the need to investigate specific applications for deposit facilities. A bank can be pulled in for an unscheduled review if something smells off.

The agency is clear: this isn’t a closed-door process. The FDIC actively *encourages* public comment on the institutions slated for examination. Got a gripe about a bank denying loans in your neighborhood? A concern about redlining practices? Now’s the time to speak up. Comments should be directed to the bank itself or to the Deputy Regional Director of the appropriate FDIC regional office. All feedback received before the examination wraps up will be considered.

The full schedule of institutions facing examination between October 1, 2025, and December 31, 2025, is available via the attached listing. You can also obtain it by calling (703) 562-2200 or (877) 275-3342, faxing a request to (703) 562-2296, or writing to the FDIC Public Information Center at 3501 Fairfax Drive, Room E-1002, Arlington, VA 22226. While it’s not a headline-grabbing bust, this is a crucial step in holding banks accountable and ensuring they serve *all* communities, not just the profitable ones.

For media inquiries, contact LaJuan Williams-Young at (202) 898-3876. The FDIC CRA Regional Office Contacts are also attached for further details. This examination schedule was last updated August 29, 2025, and is subject to change. Grimy Times will continue to follow this developing story and report on any findings of misconduct.