Data / Federal rules / 2025-23987
Preemption Determination: State Interest-on-Escrow Laws
The Comptroller of the Currency published this proposed rule in the Federal Register on December 30, 2025. Comments closed on January 29, 2026.
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What the agency says
The OCC is proposing to issue a preemption determination concluding that federal law preempts state laws that eliminate OCC- regulated banks' flexibility to decide whether and to what extent to (1) pay interest or other compensation on funds placed in real estate escrow accounts; or (2) assess fees in connection with such accounts. This preemption determination would provide much needed clarity to banks and other stakeholders.
Key facts
- Document number
- 2025-23987
- Type
- Proposed rule
- Action
- Notice of proposed rulemaking
- Agency
- Treasury Department; Comptroller of the Currency
- Published
- December 30, 2025
- Comments due
- January 29, 2026
- Dates
- Comments must be received on or before January 29, 2026.
- Docket
- Docket ID OCC-2025-0735
- Regulation ID (RIN)
- 1557-AF45
- Code of Federal Regulations
- 12 CFR 34
- Topics
- Accounting; Banks, banking; Consumer protection; Credit; Mortgages; Reporting and recordkeeping requirements; Savings associations
- Pages
- 7
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Everything from the Comptroller of the Currency · Rules on accounting · Rules on banks, banking · Rules on consumer protection · Published in December 2025
Read from the Federal Register API, last updated 2026-10-23. The document on federalregister.gov is the official record; dates and dockets can change through later corrections. Free to reuse with credit to SpecStream under CC BY 4.0.