Home / Agencies / Treasury / 2025-23988
Proposed Rule

Real Estate Lending Escrow Accounts

Agency
Treasury
Document Number
2025-23988
Published
December 30, 2025
Effective Date
-

Abstract

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.

Federal Register Source

This document is published by the Office of the Federal Register, National Archives and Records Administration. Access the full regulatory text, preamble, and docket comments below.

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Frequently Asked Questions

What is the 2025-23988 Federal Register document?
Document 2025-23988 is a Proposed Rule published by the Department of the Treasury in the Federal Register on December 30, 2025. 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. View the original at https://www.federalregister.gov/documents/2025/12/30/2025-23988/real-estate-lending-escrow-accounts.
Is document 2025-23988 an economically significant rule?
No. Document 2025-23988 is not classified as economically significant under Executive Order 12866. Economically significant rules require OIRA review and are estimated to have impacts of $100 million or more per year.

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