The Board of Governors of the Federal Reserve System, along with other federal banking agencies, on June 30, 2026, released a list of distressed or underserved nonmetropolitan middle-income geographies.
The list identifies areas that may be eligible for special consideration under the Community Reinvestment Act, which encourages banks to help meet the credit needs of their communities.
The designation is based on criteria such as unemployment, poverty, and population loss, and is updated periodically to reflect changing economic conditions.
The full list is available on the Federal Reserve's website, providing transparency for financial institutions and the public.
