This Week in Credit Risk
Weekly, source-checked credit risk news for community bank and credit union lenders: Fed, OCC and FDIC actions, and what each means for underwriting. Every issue links to its primary sources.
All Issues
The Rate Hike’s First Week, Third-Party Risk, and an OCC Workshop
A week after the September 2026 Fed hike: how the increase reaches variable rate borrowers and DSCR, plus proposed third-party risk management guidance.
The Fed Raises Rates for the First Time Since 2023
The Fed raised rates to 3.75% to 4.00% on September 16, 2026, its first hike since 2023. Three steps for credit teams, from tight borrowers to CRE maturities.
The OCC and FDIC Narrow the Scope of MRAs
The OCC and FDIC final rule, effective November 2, limits MRAs to practices that could materially harm a bank or violate law. What it means for credit teams.
De Novo Banks, Faster FDIC Reviews, and CRA Comments
The OCC received 40 de novo bank applications in 18 months, the FDIC targets 120-day contingent approval, and CRA comments are due October 13.
A CRA Overhaul, Ag Lending, and a New CBLR Guide
The 2026 CRA proposal would set small banks at under $1 billion and large at over $10 billion. Plus the CBLR drop to 8% and community bank ag lending.
The Fed Holds with Three Dissents, Sentiment Slips, and New Lending Guidance
The July 2026 FOMC held rates with three dissents for a hike, the Q2 CSBS sentiment index fell to 129, and new interagency repayment guidance arrived.