U.S. bank regulator finalizes new community lending rule

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U.S. bank regulator finalizes new community lending rule
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A U.S. banking regulator announced on Wednesday it had finalized work on a long-running effort to change community lending standards for banks.

The new rule from the Office of the Comptroller of the Currency is an update to requirements stemming from the 1977 Community Reinvestment Act, which requires banks to support lower-income borrowers and their communities, and for regulators to grade them on that effort.

However, the overall fate of the rule is unclear. The OCC is one of three regulators responsible for enforcing the rule, alongside the Federal Deposit Insurance Corporation and Federal Reserve. Neither regulator joined the OCC in adopting the new rules on Wednesday, and the U.S. central bank has yet to even propose any changes.

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