Action required licensing · MD · Oct 3, 2026
Maryland Payroll Processor Exemption
A new law excludes certain payroll processors from being classified as money transmitters under Maryland law, effective October 1, 2026.
Regulatory Updates
Tracked Changes From State and Federal Regulators
Updates the regulatory team is monitoring across the verticals we file in. Effective dates, severity, and impact in one feed.
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- Action required licensing · MN · Oct 3, 2026
NewRez LLC Enforcement Settlement Over Insurance Charges
The Minnesota Department of Commerce announced its participation in a $15. 5 million settlement with NewRez LLC over improper force-placed insurance charges.
- Watch licensing · WA · Oct 3, 2026
Washington State Proposed Collection Agency Rule Changes
The Washington Department of Licensing announced a public hearing on proposed updates to collection agency regulations, including fee clarifications and increases. New fees are expected to go into effect on January 1, 2027.
- Watch licensing · FL · Oct 3, 2026
Emergency Waiver Petition for Investment Adviser Regulations
The OFR received a request for an emergency waiver of examination and qualification requirements for an associated person of an investment adviser. Comments on the petition are due within five days of publication.
- Action required licensing · Federal · Oct 2, 2026
CSBS Money Transmission Modernization Act Updates
As of September 3, 2026, 31 states have enacted the CSBS Money Transmission Modernization Act, outlining new standards for money transmitters.
- Action required licensing · TX · Oct 2, 2026
Texas Licensing Fee Schedule Announcement
Texas SML issued a new licensing fee schedule effective September 1, 2026, impacting all new applications and renewals.
- Action required licensing · IA · Oct 2, 2026
Iowa New Mortgage Regulation Adoption
Iowa adopted new regulations for mortgage bankers, brokers, and real estate closing agents on September 16, 2026, effective October 21, 2026.
- Informational licensing · MA · Oct 2, 2026
Massachusetts Debt Collection Enforcement Settlement
On September 14, 2026, a settlement was reached providing about $52 million in debt relief to Massachusetts consumers and barring defendants from conducting collection activity in the state.
- Action required licensing · Federal · Oct 2, 2026
OCC Revised Concentrations of Credit Handbook
On September 30, 2026, the OCC released version 3. 0 of the Concentrations of Credit booklet, addressing the definition of credit concentration and clarifying risk management expectations.
- Action required licensing · MD · Oct 1, 2026
Maryland Money Transmission Act Change
A change to the Maryland Money Transmission Act, effective October 1, 2026, will exclude certain payroll processors from the definition of 'money transmitter'.
- Action required licensing · NY · Oct 1, 2026
New York City SHIELD Collection Rule
The SHIELD Collection Rule took effect on September 1, 2026, enhancing local debt collection rules in New York City.
- Action required licensing · MA · Oct 1, 2026
Massachusetts Debt Collector Enforcement Action
On September 14, 2026, Massachusetts settled enforcement actions blocking a debt collector from operating in the state while providing over $50 million in relief to consumers.
- Action required licensing · Federal · Oct 1, 2026
OCC Enforcement Actions for September 2026
On September 17, 2026, OCC announced enforcement actions against two institution-affiliated parties for embezzlement and unauthorized debits. This announcement does not involve new regulations, but indicates ongoing oversight.
- Action required licensing · Federal · Oct 1, 2026
CFPB Enforcement Actions Report
Between September 17, 2026 and October 1, 2026, there were no newly posted CFPB enforcement actions during this period. The CFPB's public news releases were last updated prior to this date range.
- Action required licensing · NY · Sep 30, 2026
Debt Collection SHIELD Rule Effective Date Clarification
Clarification indicates that the new SHIELD Rule for debt collectors will not take effect until January 1, 2027, despite initial expectations of an earlier date.
- Action required licensing · Federal · Sep 30, 2026
AI Supervisory Framework Announcement
CSBS released a framework designed to help state examiners assess AI use and its associated risks in state-chartered banks and licensed nonbank financial institutions.
- Watch licensing · Federal · Sep 30, 2026
H.R. 10184 Approval by House Financial Services Committee
The committee approved H. R.
- Watch licensing · NY · Sep 30, 2026
Proposed 3rd Amendment to 11 NYCRR 154
NYDFS published the proposed 3rd amendment to regulation 154, with a comment deadline set for November 23, 2026. This proposed amendment relates to insurance regulations.
- Informational licensing · MA · Sep 30, 2026
Settlement Blocking Debt Collector in Massachusetts
A settlement blocks a debt collector from operating in Massachusetts, providing over $50 million in debt relief to consumers. The settlement bars the defendants from seeking a Massachusetts debt collector license.
- Action required licensing · GA · Sep 29, 2026
Georgia Money Transmission License Enforcement Finalization
The Georgia Department of Banking and Finance finalized a cease-and-desist order against Polar Tensor US for operating without a money transmitter license.
- Action required licensing · IL · Sep 29, 2026
Illinois IDFPR Enforcement Actions Against Debt Relief Companies
IDFPR took enforcement action against two unlicensed debt relief companies, including restitution and penalties.
- Action required licensing · FL · Sep 29, 2026
Final Order Denying Waiver of Advisers' Qualification
The Florida OFR published a final order denying a waiver concerning the qualification requirements for investment advisers.
- Watch licensing · Federal · Sep 29, 2026
Monthly Enforcement Actions
The OCC published its announcement of enforcement actions for September 2026, detailing actions against banks and their affiliates.
- Action required licensing · Federal · Sep 28, 2026
FDIC Update on Third-Party Risk Guidance
The FDIC issued a reminder of the existing Interagency Guidance on Third-Party Relationships, which remains the supervisory guidance for third-party risk management.
- Action required licensing · Federal · Sep 28, 2026
Bilt Consumer Reimbursement Closure
On September 21, 2026, the CFPB closed a matter concerning Bilt after confirming consumer reimbursements were executed. No public enforcement action was taken.
- Action required licensing · Federal · Sep 28, 2026
NMLS September 2026 Release Overview
On September 19, 2026, NMLS announced its September 2026 release focusing on system improvements and updated disclosure requirements. These changes aim to enhance user experience on the platform.
- Informational licensing · MA · Sep 28, 2026
Settlement Against Avon Debt Collector
Massachusetts AG Andrea Campbell announced the permanent barring of an Avon debt collector from operating in the state, securing over $50 million in debt relief for consumers. The settlement followed findings of abusive and unlawful collection practices.
- Action required licensing · IL · Sep 27, 2026
Illinois Regulator Fines Two Companies for Unlicensed Student Loan Debt Relief
The Illinois Department of Financial and Professional Regulation fined two companies for allegedly providing unlicensed student loan debt relief services.
- Action required licensing · MN · Sep 27, 2026
Minnesota AG Settles with Online Tribal Lender
The Minnesota Attorney General reached a settlement with an online tribal lender over alleged usury and predatory lending practices, which requires financial restitution.
- Action required licensing · CA · Sep 27, 2026
California Establishes Permanent Disaster Mortgage Forbearance Requirements
California established permanent requirements for mortgage forbearance in disaster situations, expanding relief to borrowers affected by disasters.
- Action required licensing · Federal · Sep 27, 2026
AI Supervisory Framework for State Examiners Released
CSBS announced a new AI supervisory framework designed for state examiners, which assists in identifying AI usage within financial institutions and assessing related risks.
- Action required licensing · Federal · Sep 27, 2026
Mortgage Performance Report Released
The OCC released its Mortgage Performance Report for Q2 2026, offering insights into the mortgage market's performance metrics.
- Action required licensing · MA · Sep 27, 2026
Massachusetts AG Enforcement Against Judgment Acquisitions
The Massachusetts Attorney General secured a consent judgment against several debt collectors, establishing over $52 million in debt relief for consumers and barring the defendants from seeking further operations in Massachusetts.
- Watch licensing · Federal · Sep 27, 2026
Third-Party Risk Management Guidance Proposed
The OCC opened a comment period on proposed guidance for managing third-party risks, seeking input by November 16, 2026. This guidance aims to enhance oversight of third-party relationships within banking operations.
- Action required licensing · Federal · Sep 27, 2026
Bilt Matter Closed
The CFPB closed the matter against Bilt, concluding that they reimbursed eligible consumers a total of $264,792. 71.
- Action required licensing · GA · Sep 26, 2026
Cease and Desist Order against Polar Tensor US
Final Order to Cease and Desist issued for unlicensed money transmission activities.
- Action required licensing · WA · Sep 26, 2026
Consent Order with Thomas Austin MacArthur
Consent Order issued under the Mortgage Brokers Practices Act related to licensing issues.
- Action required licensing · TX · Sep 26, 2026
Consent Order Relating to OKX, Inc.
The Texas Banking Commissioner issued a Consent Order against OKX, Inc. for licensing violations.
- Action required licensing · Federal · Sep 26, 2026
OCC Bulletin 2026-48: Cybersecurity Supervision Work Program
The OCC released guidance to enhance cybersecurity supervision of banks and nonbanks.
- Watch licensing · MD · Sep 26, 2026
Maryland State Collection Agency Licensing Board Meeting Agenda
The board's September 2026 agenda included discussions on enforcement policies and procedures for licensing.
- Action required licensing · Federal · Sep 26, 2026
CFPB Debt Collection Rule (Regulation F)
The CFPB's Debt Collection Rule implements the Fair Debt Collection Practices Act (FDCPA) to regulate the behavior of debt collectors.
- Watch licensing · FL · Sep 25, 2026
Florida New Money Transmitter Rules
Florida published a notice for new rules regarding money transmitters, including requirements for stablecoin certification and electronic filing.
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