# OCC and FDIC Propose CRA Rule Changes

In July 2026, the Office of the Comptroller of the Currency (OCC) and Federal Deposit Insurance Corporation (FDIC) proposed revisions to Community Reinvestment Act rules, including changes to which financial institutions are covered, with the stated goals of reducing bank burdens and increasing flexibility. More than 400 national and state affordable-housing and economic-development groups warn that the proposal could weaken housing development and affordability. The proposal is not a direct procurement opportunity, but it may affect community-investment funding that supports affordable-housing activity.

- Organizations involved in affordable-housing development should assess whether their funding assumptions depend on bank community-investment activity that could be affected by the proposed rule changes.
- Procurement professionals and contractors serving housing and economic-development programs should distinguish potential changes in the broader funding environment from agency contracts; the signal identifies no solicitation, award, contract value, or procurement deadline.

**Jurisdictions:** federal
**Industries:** Construction & Infrastructure
**Topics:** Policy
**Published:** October 13, 2026

### Government Entities
- Office of the Comptroller of the Currency (OCC)
- Federal Deposit Insurance Corporation (FDIC)