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FDIC CRA exams will occur less frequently for most banks


The FDIC announced that Community Reinvestment Act evaluations will occur less frequently for most institutions.

November 10, 2025 / By ICBA

The FDIC announced that Community Reinvestment Act evaluations will occur less frequently for most institutions.

Details: The FDIC said:

  • Its Consumer Compliance Examination Manual has been revised to reflect an updated CRA examination frequency schedule.

  • The update establishes a new compliance mid-point risk analysis for certain institutions.

  • Institutions will be on an examination cycle of 66-78 months, 54-66 months, or 24-36 months, depending on their asset size.

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