Legal Status This site displays a prototype of a “Web 2.0” version of the daily
Federal Register. It is not an official legal edition of the Federal
Register, and does not replace the official print version or the official
electronic version on GPO’s govinfo.gov.

The documents posted on this site are XML renditions of published Federal
Register documents. Each document posted on the site includes a link to the
corresponding official PDF file on govinfo.gov. This prototype edition of the
daily Federal Register on FederalRegister.gov will remain an unofficial
informational resource until the Administrative Committee of the Federal
Register (ACFR) issues a regulation granting it official legal status.
For complete information about, and access to, our official publications
and services, go to About the Federal Register on NARA's archives.gov.

The OFR/GPO partnership is committed to presenting accurate and reliable
regulatory information on FederalRegister.gov with the objective of
establishing the XML-based Federal Register as an ACFR-sanctioned
publication in the future. While every effort has been made to ensure that
the material on FederalRegister.gov is accurately displayed, consistent with
the official SGML-based PDF version on govinfo.gov, those relying on it for
legal research should verify their results against an official edition of
the Federal Register. Until the ACFR grants it official status, the XML
rendition of the daily Federal Register on FederalRegister.gov does not
provide legal notice to the public or judicial notice to the courts.

Legal Status

Notice

Notice of Annual Adjustment of the Cap on Average Total Assets That Defines Community Financial Institutions

A Notice by the Federal Housing Finance Agency on 01/02/2026

• 1.

1.

• Document Details Published Content - Document Details Agency Federal Housing Finance Agency Agency/Docket Number No. 2026-N-2 Document Citation 91 FR 144 Document Number 2025-24208 Document Type Notice Page 144
  (1 page) Publication Date 01/02/2026 Published Content - Document Details

• PDF Official Content

  • View printed version (PDF) Official Content

• Document Details Published Content - Document Details Agency Federal Housing Finance Agency Agency/Docket Number No. 2026-N-2 Document Citation 91 FR 144 Document Number 2025-24208 Document Type Notice Page 144
  (1 page) Publication Date 01/02/2026 Published Content - Document Details

• Table of Contents Enhanced Content - Table of Contents This table of contents is a navigational tool, processed from the
  headings within the legal text of Federal Register documents.
  This repetition of headings to form internal navigation links
  has no substantive legal effect.

  • AGENCY:
  • ACTION:
  • SUMMARY:
  • FOR FURTHER INFORMATION CONTACT:
  • SUPPLEMENTARY INFORMATION:
  • I. Statutory and Regulatory Background
  • II. The CFI Asset Cap for 2026
  • Footnotes Enhanced Content - Table of Contents

• Public Comments Enhanced Content - Public Comments This feature is not available for this document.

Enhanced Content - Public Comments
- Regulations.gov Data Enhanced Content - Regulations.gov Data Additional information is not currently available for this document.

Enhanced Content - Regulations.gov Data

- Sharing Enhanced Content - Sharing Shorter Document URL https://www.federalregister.gov/d/2025-24208 Email Email this document to a friend Enhanced Content - Sharing

• Print Enhanced Content - Print
  • Print this document Enhanced Content - Print
• Document Statistics Enhanced Content - Document Statistics Document page views are updated periodically throughout the day and are cumulative counts for this document. Counts are subject to sampling, reprocessing and revision (up or down) throughout the day.

Page views 311
as of
03/14/2026 at 2:15 pm EDT Enhanced Content - Document Statistics
- Other Formats Enhanced Content - Other Formats This document is also available in the following formats:

JSON Normalized attributes and metadata XML Original full text XML MODS Government Publishing Office metadata More information and documentation can be found in our developer tools pages.

Enhanced Content - Other Formats
- Public Inspection Public Inspection This PDF is FR Doc. 2025-24208 as it appeared on Public Inspection on
12/31/2025 at 8:45 am.

It was viewed
7
times while on Public Inspection.

If you are using public inspection listings for legal research, you
should verify the contents of the documents against a final, official
edition of the Federal Register. Only official editions of the
Federal Register provide legal notice of publication to the public and judicial notice
to the courts under 44 U.S.C. 1503 & 1507. Learn more here.

Public Inspection
Published Document: 2025-24208 (91 FR 144) This document has been published in the Federal Register. Use the PDF linked in the document sidebar for the official electronic format.

Document Headings Document headings vary by document type but may contain
the following:

1. the agency or agencies that issued and signed a document
2. the number of the CFR title and the number of each part the document amends, proposes to amend, or is directly related to
3. the agency docket number / agency internal file number
4. the RIN which identifies each regulatory action listed in the Unified Agenda of Federal Regulatory and Deregulatory Actions See the Document Drafting Handbook for more details.

Federal Housing Finance Agency

1. [No. 2026-N-2]

AGENCY:

Federal Housing Finance Agency.

ACTION:

Notice.

SUMMARY:

The Federal Housing Finance Agency (FHFA) has adjusted the cap on average total assets that is used in determining whether a Federal Home Loan Bank (Bank) member qualifies as a “community financial institution” (CFI) to $1,541,000,000, based on the annual percentage increase in the Consumer Price Index for all urban consumers (CPI-U), as published by the Department of Labor (DOL). This change is effective as of January 1, 2026.

FOR FURTHER INFORMATION CONTACT:

Janna Bruce, Senior Financial Analyst, Division of Federal Home Loan Bank Regulation, (202) 649-3202, Janna.Bruce@fhfa.gov; or RG Yamba, Counsel, Office of General Counsel, (202) 649-3399, RG.Yamba@fhfa.gov, (these are not toll-free numbers), Federal Housing Finance Agency, Constitution Center, 400 Seventh Street SW, Washington, DC 20219. For TTY/TRS users with hearing and speech disabilities, dial 711 and ask to be connected to any of the contact numbers above.

SUPPLEMENTARY INFORMATION:

I. Statutory and Regulatory Background

The Federal Home Loan Bank Act (Bank Act) confers upon insured depository institutions that meet the statutory definition of a CFI certain advantages over non-CFI insured depository institutions in qualifying for Bank membership, and in the purposes for which they may receive long-term advances and the collateral they may pledge to secure advances. [1 ] Section 2(10)(A) of the Bank Act and § 1263.1 of FHFA's regulations define a CFI as any Bank member the deposits of which are insured by the Federal Deposit Insurance Corporation and that has average total assets below the statutory cap. [2 ] The Bank Act was amended in 2008 to set the statutory cap at $1 billion and to require FHFA to adjust the cap annually to reflect the percentage increase in the CPI-U, as published by the DOL. [3 ] For 2025, FHFA set the CFI asset cap at $1,500,000,000, which reflected a 2.7 percent increase over 2024, based upon the increase in the CPI-U between 2023 and 2024. [4 ]

II. The CFI Asset Cap for 2026

As of January 1, 2026, FHFA will increase the CFI asset cap to $1,541,000,000, which reflects a 2.7 percent increase in the unadjusted CPI-U from November 2024 to November 2025. Consistent with the practice of other Federal agencies required to calculate and make annual adjustments based on CPI-U changes, FHFA bases the annual adjustment to the CFI asset cap on the percentage increase in the CPI-U from November of the year prior to the preceding calendar year to November of the preceding calendar year. The November figures represent the most recent available data as of January 1st of the current calendar year. FHFA determined the new CFI asset cap by applying the percentage increase in the CPI-U to the unrounded amount for the preceding year and rounding to the nearest million, as has been FHFA's practice for all previous adjustments.

In calculating the CFI asset cap, FHFA uses CPI-U data that have not been seasonally adjusted (i.e., the data have not been adjusted to remove the estimated effect of price changes that normally occur at the same time and in about the same magnitude every year). The DOL encourages use of unadjusted CPI-U data in applying “escalation” provisions such as that governing the CFI asset cap, because the factors that are used to seasonally adjust the data are amended annually, and seasonally adjusted data that are published earlier are subject to revision for up to five years following their original release. Unadjusted data are not routinely subject to revision, and previously published unadjusted data are only corrected when significant calculation errors are discovered.

Joshua R. Stallings,

Deputy Director, Division of Federal Home Loan Bank Regulation, Federal Housing Finance Agency.

Footnotes

1.

                     
                    See [12 U.S.C. 1424(a)](https://www.govinfo.gov/link/uscode/12/1424), [1430(a)](https://www.govinfo.gov/link/uscode/12/1430).

Back to Citation 2.

                     
                    See [12 U.S.C. 1422(10)(A)](https://www.govinfo.gov/link/uscode/12/1422); [12 CFR 1263.1](https://www.ecfr.gov/current/title-12/section-1263.1).

Back to Citation 3.

                     
                    See [12 U.S.C. 1422(10)(B)](https://www.govinfo.gov/link/uscode/12/1422); [12 CFR 1263.1](https://www.ecfr.gov/current/title-12/section-1263.1) (defining the term “CFI asset cap”).

Back to Citation 4.

                     
                    See [90 FR 3865](https://www.federalregister.gov/citation/90-FR-3865) (Jan. 15, 2025).

Back to Citation [FR Doc. 2025-24208 Filed 12-31-25; 8:45 am]

BILLING CODE 8070-01-P

Published Document: 2025-24208 (91 FR 144)