{
  "id": 11491000,
  "title": "OCC Grants Clean Bill of Health to 13 Banks in Latest Community Lending Audit",
  "url": "https://urgent.news/2026/10/02/occ-grants-clean-bill-of-health-to-13-banks-in-latest-community",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-10-02T17:06:21.000Z",
  "source": {
    "name": "PYMNTS",
    "slug": "pymnts",
    "url": "https://www.pymnts.com/legal/bank-regulation/2026/occ-grants-clean-bill-health-13-banks-latest-community-lending-audit/"
  },
  "original_language": "en",
  "account": "The Office of the Comptroller of the Currency (OCC) recently rated 13 banks for their compliance with the Community Reinvestment Act (CRA). The OCC designated three banks as \"outstanding\" and 10 as \"satisfactory\" in its latest audit. No banks received the \"needs to improve\" or \"substantial noncompliance\" ratings from the regulator in September. The CRA, enacted in 1977, aims to address discriminatory lending in minority communities by evaluating a bank's efforts to meet the credit needs of its entire community, including low- and moderate-income neighborhoods. The three banks rated \"outstanding\" included First Federal Bank of Louisiana, First National Bank at St. James, and MidCountry Bank. The 10 banks rated \"satisfactory\" encompass Axos Bank, Constitution Bank, GN Bank, Ameriprise Bank, Beauregard FSB, Ameriprise Bank, First United National Bank, First National Bank of Fort Stockton, The First National Bank of Tom Bean, and CCFBank National Association. The OCC assessed each bank's CRA rating based on performance tests and standards, using information about the institution and the community it serves. The Federal Reserve Board oversees CRA ratings for national banks, federal savings associations, and insured federal branches of foreign banks, while the Federal Deposit Insurance Corp. (FDIC) handles ratings for state-chartered banks not affiliated with the Federal Reserve System.",
  "summary": "The Office of the Comptroller of the Currency rated three banks “outstanding” and 10 “satisfactory” in its latest list of banks examined for Community Reinvestment Act (CRA) compliance, the OCC said in a Thursday (Oct. 1) press release. Among the OCC’s performance evaluations that became public in September, no banks received the regulator’s other ratings […] The post OCC Grants Clean Bill of…",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}