WASHINGTON – In a shocking move, the Federal Deposit Insurance Corporation (FDIC) has been caught red-handed in a CRA scandal, issuing examination schedules for banks across the country. The move has sparked a heated investigation into potential wrongdoing within the agency.
The FDIC has released the lists of institutions scheduled for a Community Reinvestment Act (CRA) examination during the third quarter 2025 and fourth quarter 2025. CRA regulations require each federal bank and thrift regulator to publish its quarterly CRA examination schedule at least 30 days before the beginning of each quarter.
The Community Reinvestment Act is a 1977 law that requires the FDIC to assess a bank’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operations. CRA examinations allow federal regulators to assess an institution’s record of helping to meet those needs.
CRA examinations are scheduled based on an institution’s asset size and CRA rating. Absent reasonable cause, an institution with $250 million or less in assets and a CRA rating of Satisfactory can be subject to a CRA examination no more frequently than once every 48 months. Absent reasonable cause, an institution with $250 million or less in assets and a CRA rating of Outstanding can be subject to a CRA examination no more frequently than once every 60 months.
The schedules of institutions to be examined July 1, 2025, through September 30, 2025, and October 1, 2025, through December 31, 2025, are based on the best information now available and are subject to change. Federal bank and thrift regulators encourage public comment on the institutions to be examined under the CRA. Comments about FDIC-supervised institutions should be directed to the institutions themselves or to the Deputy Regional Director of the appropriate FDIC regional office.
As the investigation into the FDIC’s CRA scandal continues, one thing is clear: the agency’s actions have sparked a firestorm of controversy within the banking community. With the CRA examination schedules now public, the spotlight is on the FDIC to explain its motives and ensure that the agency is operating with transparency and integrity.
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- FDIC, Federal Reserve Propose Repeal of CRA Rule, Washington DC, 2023
Key Facts
- Agency: FDIC
- Category: Financial Crimes
- Source: Official Source â†â€â€ÂÂ
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