{"id":3745020,"date":"2026-05-19T10:48:22","date_gmt":"2026-05-19T14:48:22","guid":{"rendered":"https:\/\/www.pymnts.com\/?p=3745020"},"modified":"2026-05-19T10:48:22","modified_gmt":"2026-05-19T14:48:22","slug":"occ-aims-to-relax-regulations-covering-community-banks","status":"publish","type":"post","link":"https:\/\/www.pymnts.com\/bank-regulation\/2026\/occ-aims-to-relax-regulations-covering-community-banks\/","title":{"rendered":"OCC Aims to Relax Regulations Covering Community Banks"},"content":{"rendered":"<p style=\"font-weight: 400;\">Federal regulators are touting their efforts to ease rules governing community lenders.<\/p><div\r\n\tid=\"article-paywall-overlay\"\r\n\tclass=\"d-none\"\r\n>\r\n\t<div id=\"article-paywall-content\" class=\"my-4\">\r\n\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2699550-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"2699550\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> 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Conditions<\/a>.\n\t\t\t\t<\/p>\n\t\t\t\t<p><input id='hiddenPath' type='hidden' name='path' value='' \/><input type='hidden' name='userDeviceId' id='userDeviceId' \/><input type='hidden' name='pageTitle' id='pageTitle' \/>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div id='formButtonRow' class='container mt-1 px-0'>\n\t\t\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-dark text-uppercase py-2 px-5 small\" id=\"theSubmitButton\" type=\"submit\" value=\"Submit\" \/>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><input type=\"hidden\" name=\"post_id\" value=\"3745020\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/bank-regulation\/2026\/occ-aims-to-relax-regulations-covering-community-banks\/\" \/><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"170\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n\t<\/div>\r\n<\/div>\r\n<div id=\"article-paywall-hidden-content\">\r\n\t\n<p style=\"font-weight: 400;\">Most community banks, the\u00a0<a href=\"https:\/\/occ.gov\/news-issuances\/news-releases\/2026\/nr-occ-2026-38.html\">Office of the Comptroller of the Currency<\/a>\u00a0(OCC) argued in its Monday (May 18)\u00a0<a href=\"https:\/\/occ.gov\/news-issuances\/news-releases\/2026\/nr-occ-2026-38.html\">announcement<\/a>, are well-managed and well-capitalized, conduct business safely and avoid risk.<\/p>\n<p style=\"font-weight: 400;\">With that in mind, the regulator said it is restating its \u201ccommitment to risk-based supervision\u201d for community banks.<\/p>\n<p style=\"font-weight: 400;\">\u201cCommunity banks are anchors of local economies, providing essential banking services and small business lending that helps power job creation,\u201d said Comptroller of the Currency <a href=\"https:\/\/occ.treas.gov\/about\/who-we-are\/comptroller\/index-comptroller-of-the-currency.html\" target=\"_blank\" rel=\"noopener\">Jonathan V. Gould<\/a>.<\/p>\n<p style=\"font-weight: 400;\">\u201cThe OCC has taken a range of actions to better tailor its supervision and provide meaningful reforms to community banks so they can continue to drive economic development in their local communities and the broader national economy.\u201d<\/p>\n<p style=\"font-weight: 400;\">One major change involves the OCC\u2019s examination process for banks. Since Jan. 1 of this year, the OCC has begun tailoring these assessments according to\u00a0the bank\u2019s size, complexity and risk profile with increased focus on material financial risks.<\/p><div id=\"pymnt-1000701250\" class=\"pymnt-content pymnt-entity-placement\" style=\"margin-top: 50px;\"><p style=\"text-align:center\">Advertisement: Scroll to Continue<\/p><script async type=\"text\/javascript\" id=\"dianomi_context_script\" src=\"https:\/\/www.dianomi.com\/js\/contextfeed.js\"><\/script> \r\n<div class=\"dianomi_context\" data-dianomi-context-id=\"4329\"><\/div><\/div>\n<p style=\"font-weight: 400;\">\u201cThis approach reduces supervisory burden, maintains the value of the\u00a0<a href=\"https:\/\/www.pymnts.com\/news\/banking\/2026\/the-bank-charter-boom-is-creating-very-different-kinds-of-banks\/\">federal charter<\/a>, and preserves banks\u2019 safety and soundness while ensuring regulatory oversight does not distract banks from serving their communities,\u201d the release added.<\/p>\n<p style=\"font-weight: 400;\">The OCC has also changed the way these banks measure their capital adequacy with a modified community bank leverage ratio (CBLR) framework, which \u201csimplifies capital calculations, shortens reporting schedules, and provides material regulatory relief while maintaining safety and soundness in the banking system.\u201d<\/p>\n<p style=\"font-weight: 400;\">Lastly, the regulator now requires its bank examiners to employ a newly updated resource to simplify bank information technology (BIT) and\u00a0<a href=\"https:\/\/www.pymnts.com\/tag\/cybersecurity\/\">cybersecurity<\/a>\u00a0examinations for community banks, taking a \u201crisk-based approach to supervision\u201d that \u201cimproves the effectiveness and efficiency of BIT and cybersecurity examinations.\u201d<\/p>\n<p style=\"font-weight: 400;\">The changes come as community banks face a host of different issues, as PYMNTS wrote last month, including the\u00a0\u201c<a href=\"https:\/\/www.pymnts.com\/news\/banking\/2026\/why-community-bank-accounts-must-pass-the-everyday-test\/\">everyday test<\/a>.\u201d<\/p>\n<p style=\"font-weight: 400;\">A bank account is not truly a primary account until it passes the test, which works like this: a customer\u2019s paycheck lands there, the account pays their bills and uses their debit card, and\u00a0money flows in and out of it as easily as it would with a\u00a0<a href=\"https:\/\/www.pymnts.com\/study\/mobile-wallet-challenge-bill-pay-consumer-finance-instant-payments\/\">mobile wallet<\/a>.<\/p>\n<p style=\"font-weight: 400;\">\u201cAn account that fails this test, even one that\u2019s been opened and initially funded, ends up as a dormant placeholder, holding one stale deposit and generating no real engagement,\u201d PYMNTS wrote. \u201cThe industry has largely solved\u00a0<a href=\"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/04\/PYMNTS-Intelligence-Money-Mobility-Tracker-April-2026.pdf\">digital account opening<\/a>\u00a0and even initial funding; what it hasn\u2019t solved is account activation, getting the account to become the one a customer actually uses every day.\u201d<\/p>\n\r\n<\/div>\r\n<script>\r\n\twindow.pymntsAllowedArticleCount = 1;\r\n\twindow.pymntsPostID = 3745020;\r\n<\/script>","protected":false},"excerpt":{"rendered":"<p>Federal regulators are touting their efforts to ease rules governing community lenders. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content \u2014 no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this form, you agree to receive marketing communications from [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2991209,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","pymnts_footnotes":""},"categories":[15073],"tags":[13297,4313,7153,9206,8150,9666,133069,5950,5299],"class_list":["post-3745020","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank-regulation","tag-bank-regulation","tag-banking-2","tag-community-banks","tag-news","tag-occ","tag-office-of-the-comptroller-of-the-currency","tag-pymnts-news","tag-regulations","tag-whats-hot"],"acf":{"suggested_titles":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>OCC Aims to Relax Regulations Covering Community Banks<\/title>\n<meta name=\"description\" content=\"The Office of the Comptroller of the Currency (OCC) is relaxing its rules for community banks, saying most of them are managed well.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pymnts.com\/bank-regulation\/2026\/occ-aims-to-relax-regulations-covering-community-banks\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"OCC Aims to Relax Regulations Covering Community Banks | PYMNTS.com\" \/>\n<meta property=\"og:description\" content=\"Federal regulators are touting their efforts to ease rules governing community lenders. 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