Farm Credit Adjustment Act

HR 5010, the Farm Credit Adjustment Act, amends the Farm Credit Act of 1971 to allow the Farm Credit Administration (FCA) to extend examination cycles for low-risk Farm Credit System institutions to a maximum of 24 months. This change directly affects rural banks, credit unions, and other Farm Credit System institutions deemed low-risk by the FCA. The key provision removes a previous restriction ("in no event") and gives the FCA discretion to conduct examinations every 24 months instead of more frequently for these institutions. The amendment takes effect on October 1, 2026.