<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<REGINFO_RIN_DATA xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" RUN_DATE="2026-07-26-04:00" xsi:noNamespaceSchemaLocation="https://www.reginfo.gov/public/xml/REGINFO_XML_Ver10262011.xsd">
    <RIN_INFO>
        <RIN>1557-AF46</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>202510</PUBLICATION_ID>
            <PUBLICATION_TITLE>The Regulatory Plan and the Unified Agenda of Federal Regulatory and Deregulatory Actions</PUBLICATION_TITLE>
        </PUBLICATION>
        <AGENCY>
            <CODE>1557</CODE>
            <NAME>Comptroller of the Currency</NAME>
            <ACRONYM>OCC</ACRONYM>
        </AGENCY>
        <PARENT_AGENCY>
            <CODE>1500</CODE>
            <NAME>Department of the Treasury</NAME>
            <ACRONYM>TREAS</ACRONYM>
        </PARENT_AGENCY>
        <RULE_TITLE>Real Estate Lending Escrow Accounts</RULE_TITLE>
        <ABSTRACT><![CDATA[<!DOCTYPE html>
<html>
<head>
</head>
<body>
<p>The OCC has issued 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 related thereto or assess related fees.</p>
</body>
</html>]]></ABSTRACT>
        <PRIORITY_CATEGORY>Substantive, Nonsignificant</PRIORITY_CATEGORY>
        <RIN_STATUS>First Time Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Proposed Rule Stage</RULE_STAGE>
        <MAJOR>Undetermined</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>No</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <EO_13771_DESIGNATION>Deregulatory</EO_13771_DESIGNATION>
        <CFR_LIST>
            <CFR>12 CFR 34</CFR>
            <CFR>12 CFR 160</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>12 U.S.C. 1 et seq.</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 25b</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 29</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 93a</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 371</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 1465</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 1701j-3</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 1828(o)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 3331 et seq.</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 5101 et seq.</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 5412(b)(2)(B)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 1462a</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 1463</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 1464</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 1467a</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 1701j-3</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 1828</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 3803</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 3806</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 5412(b)(2)(B)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 U.S.C. 4106</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>...</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>NPRM</TTBL_ACTION>
                <TTBL_DATE>12/30/2025</TTBL_DATE>
                <FR_CITATION>90 FR 61099</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Final Rule</TTBL_ACTION>
                <TTBL_DATE>07/00/2026</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <RFA_REQUIRED>No</RFA_REQUIRED>
        <GOVT_LEVEL_LIST>
            <GOVT_LEVEL>Undetermined</GOVT_LEVEL>
        </GOVT_LEVEL_LIST>
        <FEDERALISM>Undetermined</FEDERALISM>
        <PRINT_PAPER>No</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>No</INTERNATIONAL_INTEREST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>Priscilla</FIRST_NAME>
                <LAST_NAME>Benner</LAST_NAME>
                <TITLE>Counsel</TITLE>
                <AGENCY>
                    <CODE>1557</CODE>
                    <NAME>Comptroller of the Currency</NAME>
                    <ACRONYM>OCC</ACRONYM>
                </AGENCY>
                <PHONE>202 649-6973</PHONE>
                <EMAIL>priscilla.benner@occ.treas.gov</EMAIL>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>Chief Counsel&apos;s Office, 400 7th Street SW.,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20219</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
</REGINFO_RIN_DATA>
