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ARTICLE · 14 NOVEMBER 2025

FDIC Revises Examination Schedule

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The FDIC has announced that its Consumer Compliance Examination Manual has been revised to reflect an updated examination schedule for financial institutions.

United StatesFinance and Banking
Ballard Spahr LLP
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The FDIC has announced that its Consumer Compliance Examination Manual has been revised to reflect an updated examination schedule for financial institutions. As a result, agency consumer compliance examinations and Community Reinvestment Act (CRA) evaluations will occur less frequently for most institutions, according to the FDIC.

Institutions will generally be on an examination cycle of 66-78 months, 54-66 months, or 24-36 months, depending on the asset size of the institution and its Consumer Compliance Rating. Previously, Consumer Compliance exams could be as frequent as every 12 months, although under the revised schedules institutions with 4 or 5 Consumer Compliance ratings can be examined for compliance on a 1-to-12month schedule, and also examined on such schedule for CRA purposes if they have a Needs to Improve or a Substantial Noncompliance CRA rating. Additionally, institutions with a 3 Consumer Compliance rating and a Substantial Noncompliance

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