FDIC & OCC PROPOSE AMENDMENTS TO CRA REGULATION
The OCC and FDIC are jointly proposing targeted amendments to their CRA regulations (12 CFR Parts 25/345 and related provisions). The proposal largely retains the existing framework (large banks remain subject to lending, investment, and service tests; small and intermediate banks have tailored tests; wholesale/limited purpose and strategic plan options remain available; assessment area framework stays largely tied to physical facilities and is not significantly changed).