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TREAS/OCC RIN: 1557-AF45 Publication ID: 2026 
Title: ●Preemption Determination: State Interest-on-Escrow Laws 
Abstract:

The OCC has proposed to issue a preemption determination concluding that Federal law preempts state laws that eliminate OCC-regulated banks’ flexibility to decide whether and to what extent to (1) pay interest or other compensation on funds placed in real estate escrow accounts; or (2) assess fees in connection with such accounts. This preemption determination would provide much needed clarity to banks and other stakeholders.

 
Agency: Department of the Treasury(TREAS)  Priority: Substantive, Nonsignificant 
RIN Status: First time published in the Unified Agenda Agenda Stage of Rulemaking: Proposed Rule Stage 
Major: Undetermined  Unfunded Mandates: No 
EO 14192 Designation: Deregulatory 
CFR Citation: 12 CFR 34   
Legal Authority: 12 U.S.C. 1 et seq.    12 U.S.C. 25b    12 U.S.C. 29    12 U.S.C. 93a    12 U.S.C. 371    12 U.S.C. 1465    12 U.S.C. 1701j-3    12 U.S.C. 1828(o)    12 U.S.C. 3331 et seq.    12 U.S.C. 5101 et seq.    12 U.S.C. 5412(b)(2)(B)    ...   
Legal Deadline:  None
Timetable:
Action Date FR Cite
NPRM  12/30/2025  90 FR 61093   
Final Rule  07/00/2026 
Regulatory Flexibility Analysis Required: No  Government Levels Affected: Undetermined 
Federalism: Undetermined 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Agency Contact:
Priscilla Benner
Counsel
Department of the Treasury
Comptroller of the Currency
Chief Counsel's Office, 400 7th Street SW.,
Washington, DC 20219
Phone:202 649-6973
Email: priscilla.benner@occ.treas.gov