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FDIC to discuss reforms to Community Reinvestment Act on Dec. 12

The Federal Deposit Insurance Corp. board will meet Dec. 12 to discuss proposed rulemaking on revisions to the Community Reinvestment Act regulations and the brokered deposit rule, according to an agenda released Dec. 5.

A revision of the decades-old Community Reinvestment Act, which would overhaul rules regarding how banks serve lower-income communities, has been underway for more than a year. The Office of the Comptroller of the Currency took the first step toward revising enforcement of the regulation in August 2018, and the FDIC threw its weight behind the effort in 2019.

Restrictions on brokered deposits are based on banks' capital levels, with institutions at the adequately capitalized level needing FDIC permission to accept them. Undercapitalized banks are not allowed to accept or rollover the deposits.

Community bankers and lenders serving rural or underbanked areas have told regulators they want more access to brokered deposits.