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Rural and underserved counties list

We have several rules that refer to our “rural or underserved” and “rural” counties lists. New lists are posted on our website each year for certain uses under Regulation Z, which implements the Truth in Lending Act.

Final 2020 lists

Rural or underserved counties

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Rural counties

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Some entities that do business in rural or underserved counties are exempt from certain regulatory requirements of the Truth in Lending Act.

In addition to these lists, lenders should also use our Rural or Underserved Areas Tool to provide a safe harbor determination that a property is located in a rural or underserved area as defined in 12 CFR 1026.35(b)(2)(iv)(A) and (B). The tool is more comprehensive than the lists because the lists reflect rural status only at the county level; the tool includes both locations that are rural because they lie in rural (non-urban) census blocks and locations that are rural because they lie in rural counties.

These lists include the following U.S. territories as rural areas in their entireties: Guam, the Commonwealth of the Northern Mariana Islands, American Samoa, and the U.S. Virgin Islands. These territories comprise areas that the U.S. Census Bureau treats as counties and that are neither metropolitan statistical areas or micropolitan statistical areas adjacent to metropolitan statistical areas.

Beginning in 2020, the rural or underserved counties lists use a methodology for identifying underserved counties described in the Bureau’s interpretive rule: Truth in Lending Act (Regulation Z); Determining “Underserved” Areas Using Home Mortgage Disclosure Act Data.

Historical lists

2019 Rural or underserved counties

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2019 Rural counties

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2018 Rural or underserved counties

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2018 Rural counties

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2017 Rural or underserved counties

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2017 Rural counties

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2016 Rural or underserved counties

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2016 Rural counties

2015 Rural or underserved counties

2015 Rural counties

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2014 Rural or underserved counties

2014 Rural counties

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2013 Rural or underserved counties

2012 Rural or underserved counties

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