Data / Federal rules / 2025-23988
Real Estate Lending Escrow Accounts
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 issuing a notice of proposed rulemaking to codify longstanding powers of national banks and Federal savings associations (collectively, banks) to establish or maintain real estate lending escrow accounts and to exercise flexibility in making business judgment as to the terms and conditions of such accounts, including whether and to what extent to offer any compensation or to assess any fees related thereto.
Key facts
- Document number
- 2025-23988
- 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-2025-0736
- Regulation ID (RIN)
- 1557-AF46
- Code of Federal Regulations
- 12 CFR 34; 12 CFR 160
- Topics
- Accounting; Banks, banking; Consumer protection; Credit; Investments; Manufactured homes; Mortgages; Reporting and recordkeeping requirements; Savings associations; Securities; Usury
- 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.