The Federal Deposit Insurance Corporation (FDIC) has issued the lists of institutions scheduled for a Community Reinvestment Act (CRA) examination during the second quarter 2026 and third quarter 2026. This move is part of the FDIC’s efforts to ensure that financial institutions are meeting the credit needs of their communities, including low- and moderate-income neighborhoods.
The CRA is a 1977 law that requires the FDIC to assess a bank’s record of meeting the credit needs of its entire community, consistent with safe and sound operations. CRA examinations allow federal regulators to assess an institution’s record of helping to meet those needs. The schedules of institutions to be examined April 1, 2026, through June 30, 2026, and July 1, 2026, through September 30, 2026, are based on the best information now available and are subject to change.
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.
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. All public comments received prior to completion of a CRA examination will be considered.
The CRA examination schedules for the second quarter of 2026 and third quarter of 2026 are available to the public. Schedules can be obtained by calling (703) 562-2200 or (877) 275-3342, faxing a request to (703) 562-2296, or writing to: FDIC, Public Information Center, 3501 Fairfax Drive, Room E-1002, Arlington, VA 22226.
The FDIC’s release of the CRA examination schedules is a significant step in promoting transparency and accountability in the banking industry. By making this information available to the public, the FDIC is providing a valuable resource for communities and stakeholders to assess the performance of financial institutions in meeting the credit needs of their communities.
In conclusion, the FDIC’s issuance of the CRA examination schedules for Q2 and Q3 2026 is an important development in the ongoing effort to ensure that financial institutions are serving the needs of their communities. As the banking industry continues to evolve, it is essential that regulatory bodies like the FDIC remain vigilant in their oversight and enforcement of laws like the CRA.
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