Congress Expands Community Development Investment Opportunities for Banks

Barry Wides

US House of Representatives

House Passes Housing for the 21st Century Act Containing Community Bank Provisions

Banking Legislation, Banking News & Insights, Community Banking, Regulatory Compliance / By

On February 9, the House of Representatives passed the “Housing for the 21st Century Act” by a vote of 390-9. The bill contains a number of provisions of interest to community banks, some of which are summarized below. The bill also contains several provisions affecting the resolution of failing banks and creation of new banks. Other provisions seek to incentivize greater levels of housing production and increase financing […]

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February 20 Comment Deadline Approaching on OCC Community Bank CRA Strategic Plan Proposal

Banking News & Insights, Community Banking / By

On December 17, 2025, the Office of the Comptroller of the Currency (OCC) issued proposed guidance intended to simplify how banks with assets of up to $30 billion may obtain approval for a CRA strategic plan.  The proposal would  supplement the existing guidance contained in OCC Bulletin 2019-39, “Community Reinvestment Act: Guidelines for Requesting Approval of a Strategic Plan.”  Despite being available since 1995, relatively few banks use CRA

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Examiner

OCC Highlights Key Areas of Focus for Bank Examiners in Spring 2025 Semi-Annual Risk Perspective

Artisan Advisors News & Updates, Banking Legislation, Banking News & Insights, Community Banking, Regulatory Compliance / By

On June 30, 2025, the Office of the Comptroller of the Currency (OCC) released its Semi-Annual Risk Perspective (SARP), a 20-page summary of key issues impacting the federal banking system. This report outlines several supervisory issues that may be useful for banks in anticipating areas of focus during upcoming exams. Commercial Credit Risk In commercial

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Congress Expands Community Development Investment Opportunities for Banks

Banking Legislation, Banking News & Insights, Community Banking, Construction Loans / By

New Provisions in the 2025 Tax and Spending Bill, Plus Pending Legislation, Poise Banks to Deepen CRA-Eligible Investments  By Barry Wides, CPA Managing Director, Artisan-Advisors  Several provisions in the recently enacted 2025 Tax and Spending Bill (Public Law 119-21) will significantly broaden community development investment options for banks under the Community Reinvestment Act (CRA). This

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