The Office of the Comptroller of the Currency and Federal Deposit Insurance Corporation are proposing new Community Reinvestment Act size categories: small banks below $1 billion in assets, intermediate banks from $1 billion through $10 billion, and large banks above $10 billion.
The proposal is on Federal Register public inspection ahead of scheduled Aug. 12 publication. Its 60-day comment period begins with publication; the thresholds are not currently in force.
Existing thresholds are below $412 million for small banks, $412 million through $1.649 billion for intermediate institutions and more than $1.649 billion for large banks. Those figures remain the relevant comparison until a final rule changes them.
The agencies estimate that 79.8% of the 3,577 banks they supervised in the 2024–25 data would fall in the proposed small category. Those institutions represented 4.9% of supervised-bank assets.
Small and intermediate banks together would hold an estimated 14.6% of assets. The figures show why the share of institutions and the share of assets can point in different directions.
Banks with $10 billion or less in assets would face fewer data-reporting duties, and lending tests would focus on major retail product lines under the proposal. Public files could be maintained online rather than only at physical locations.
The plan comes from the OCC and FDIC and therefore does not by itself set rules for every bank overseen by the Federal Reserve. It also does not resolve litigation that has enjoined the agencies' 2023 CRA rule.
No lending result follows automatically from a size label. The public record invites comment on supervisory design; any final thresholds, compliance dates and effects would require a later final rule and implementation.