VitalLaw, October 28, 2025, COMMUNITY DEVELOPMENT—ABA, NCRC offer opposing views on CRA regs in comments on EGRPRA review
The American Bankers Association (ABA) and the National Community Reinvestment Coalition (NCRC) have provided comments to the Federal Deposit Insurance Corporation, Federal Reserve Board, and the Office of the Comptroller of the Currency on the regulatory burden review required under the Economic Growth and Regulatory Paperwork Reduction Act (EGRPRA). The ABA encouraged the agencies to provide “meaningful regulatory relief” for banks, including moving forward with the proposed repeal of 2023 Community Reinvestment Act (ACA) rule and replacing it with the 1995 framework. On the other side, NCRC supports keeping the 2023 rule in place, while proposing making “common-sense” reforms.
EGRPRA requires federal regulators to review regulations every 10 years to identify any outdated or otherwise unnecessary regulatory requirements for their supervised institutions. The regulations currently under review relate to banking operations, capital, and the CRA.
