FCAFinal Rule
Organization, Loan Policies and Operations, Disclosure to Shareholders, Nondiscrimination in Lending, Capital Adequacy of System Institutions, Disclosure to Investors
Finance & BankingAgriculture
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Summary
This regulation sets rules for how Farm Credit Administration institutions organize their operations, make loans, and treat customers fairly. It requires these lenders to be transparent with shareholders and investors about their finances and ensures they don't discriminate when lending money to farmers and rural borrowers.
Key Points
- 1Banks must maintain enough financial reserves (capital) to stay stable and protect customers' money
- 2Lenders cannot discriminate against borrowers based on race, color, religion, or other protected characteristics when deciding who gets loans
- 3Banks must clearly disclose their financial information to people who own shares in the company and to investors
- 4The Farm Credit Administration oversees how these rural lending institutions operate and manage their money
- 5These rules apply to agricultural and rural lending organizations that provide loans to farmers and rural communities
Key Dates
Published
January 26, 2026
This summary is for informational purposes only. It may not capture all nuances of the regulation. Always refer to the official text for authoritative information.
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