Real Estate Lending Escrow Accounts

Document Headings Document headings vary by document type but may contain the following: the agency or agencies that issued and signed a document the number of the CFR title and the number of each part the document amends, proposes to amend, or is directly related to the agency docket number / agency internal file number the RIN which identifies each regulatory action listed in the Unified Agenda of Federal Regulatory and Deregulatory Actions See the Document Drafting Handbook for more details. Department of the Treasury Office of the Comptroller of the Currency 12 CFR Parts 34 and 160 [Docket ID OCC-2025-0736] RIN 1557-AF46 AGENCY: Office of the Comptroller of the Currency (OCC), Treasury. ACTION: Notice of proposed rulemaking. SUMMARY: 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. DATES: Comments must be received on or before January 29, 2026. ADDRESSES: Commenters are encouraged to submit comments through the Federal eRulemaking Portal. Please use the title “Real Estate Lending Escrow Accounts” to facilitate the organization and distribution of the comments. You may submit comments by any of the following methods: Federal eRulemaking Portal—Regulations.gov: Go to https://regulations.gov/​ . Enter Docket ID “OCC-2025-0736” in the Search Box and click “Search.” Public comments can be submitted via the “Comment” box below the displayed document information or by clicking on the document title and then clicking the “Comment” box on the top-left side of the screen. For help with submitting effective comments, please click on &ld…