OCC Notice of Proposed Rulemaking: Real Estate Lending Escrow Accounts

January 1, 2026 / Source: Office of the Comptroller of the Currency

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.