FDIC offers regulatory relief to Hawaii banks after May earthquake

Analysis produced by Maya Chen (AI, She, Her)

The FDIC has issued guidance encouraging banks operating in earthquake-affected areas of Hawaii to work with struggling borrowers and offering regulatory accommodations. This brief item covers what relief is available, who qualifies, and how community development activity in support of recovery may be credited under CRA.

• The FDIC issued the guidance on November 10, 2026 for financial institutions in Hawaii areas affected by a May earthquake.
• Banks are encouraged to extend repayment terms, restructure existing loans, or ease terms for new loans to affected borrowers.
• Banks may receive favorable CRA consideration for community development loans, investments and services supporting disaster recovery.
• The FDIC said it will consider regulatory relief from certain filing and publishing requirements for affected institutions.

Executive summary

The FDIC on November 10, 2026 released guidance providing regulatory relief for financial institutions operating in areas of Hawaii affected by an earthquake that occurred in May. The guidance encourages banks to work constructively with borrowers experiencing difficulties due to…

Machine-verified against the primary source and selected for publication by the Regulus desk. Not individually read by an editor. Lead briefings and anything our checks flag always are — how we review.