Real Estate Lending Escrow Accounts (OCC Rule)
Current understanding
To be populated as evidence accumulates.
Evidence log
- 2026-05-19 — Real Estate Lending Escrow Accounts: OCC finalizing rule to codify national banks’ and federal savings associations’ existing authority to establish and manage real estate lending escrow accounts, including discretion over fees and compensation terms (final rule). (novelty: 2)
- 2026-05-19 — Preemption Determination: State Interest-on-Escrow Laws: OCC issued a formal preemption determination concluding that federal law preempts state laws restricting national banks’ discretion to pay interest or charge fees on real estate escrow accounts, resolving a longstanding federal-state ambiguity for lenders and affecting how escrow terms are set for borrowers (final rule). (novelty: 3)
Open questions
Related
Contributing findings
To restrict the eligibility of mortgagors to citizens of the United States with respect to mortgage insurance provided by the Federal Housing Administration and the purchase and securitization of mortgages by Fannie Mae and Freddie Mac.
29-jun-2026
novelty 2
per-area 2
strengthens
Preemption Determination: State Interest-on-Escrow Laws
19-may-2026
novelty 3
per-area 3
strengthens
An Act to authorize the Secretary of the Treasury to invest public moneys, and for other purposes.
28-oct-1977
novelty 3
per-area 1
mentions