The Federal Deposit Insurance Corporation (FDIC) has released schedules for Community Reinvestment Act (CRA) examinations during the fourth quarter of 2026 and first quarter of 2027. CRA regulations mandate federal banks and thrift regulators to publish quarterly examination schedules at least 30 days in advance. The CRA, enacted in 1977, requires regulators to assess banks’ records in meeting community credit needs, including low- and moderate-income areas, while ensuring safe operations. Examinations are scheduled based on institution size and CRA ratings. Institutions with $250 million or fewer in assets face examination intervals of 48 months (Satisfactory rating) or 60 months (Outstanding rating). Schedules are subject to change due to factors like pending applications or resource constraints. Public comments on scheduled institutions are encouraged, with feedback submitted to the FDIC or regional offices. Schedules and contact details are available via the FDIC website, phone, fax, or mail.
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