Home / Agencies / Treasury / 2026-10036
Final Rule

Real Estate Lending Escrow Accounts

Agency
Treasury
Document Number
2026-10036
Published
May 19, 2026
Effective Date
June 18, 2026

Abstract

The OCC is issuing a final rule to codify longstanding and recognized 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 judgments 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 2026-10036 Federal Register document?
Document 2026-10036 is a Final Rule published by the Department of the Treasury in the Federal Register on May 19, 2026, with an effective date of June 18, 2026. The OCC is issuing a final rule to codify longstanding and recognized 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 judgments 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/2026/05/19/2026-10036/real-estate-lending-escrow-accounts.
Is document 2026-10036 an economically significant rule?
No. Document 2026-10036 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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