Data / Federal rules / 2026-10036
Real Estate Lending Escrow Accounts
The Treasury Department published this final rule in the Federal Register on May 19, 2026. It took effect on June 18, 2026.
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What the agency says
The OCC is issuing a final rule to codify longstanding and recognized 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 judgments 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
- 2026-10036
- Type
- Final rule
- Action
- Final rule
- Agency
- Treasury Department
- Published
- May 19, 2026
- Takes effect
- June 18, 2026
- Dates
- This final rule is effective on June 18, 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
- 8
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Everything from the Treasury Department · Rules on accounting · Rules on banks, banking · Rules on consumer protection · Published in May 2026
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.