Action required licensing · WA · Aug 23, 2026
Washington DFI NMLS Record Updates Due
Washington DFI reminds licensees that NMLS record updates are due by August 31, 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 · Federal · Aug 23, 2026
FinCEN Convenes Public-Private Engagement to Combat Cartels
On August 13, 2026, FinCEN announced the convening of a public-private engagement to address cartel activities.
- Action required licensing · CA · Aug 23, 2026
California Multistate Settlement with NewRez LLC
A multistate settlement with NewRez LLC was announced on August 12, 2026, regarding improper charges for force-placed insurance.
- Action required licensing · Federal · Aug 23, 2026
Approval of Westpac Banking Corporation, New York Branch Request
The OCC approved Westpac's request on August 12, 2026, to exclude certain liabilities from capital calculations.
- Action required licensing · Federal · Aug 23, 2026
OCC Commends FDIC Reform, Advances Priority to Reinvigorate De Novo Chartering
On August 11, 2026, the OCC issued a statement regarding its support for FDIC reforms and its focus on de novo bank chartering.
- Action required licensing · MA · Aug 22, 2026
Multi-State Settlement with NewRez LLC
On August 12, 2026, a multi-state settlement was reached with NewRez LLC for $15. 5 million over improper charges on homeowners.
- Action required licensing · NY · Aug 22, 2026
NYC SHIELD Rule Effective Date Shift
The effective date for NYC's debt collector SHIELD Rule has been postponed to January 1, 2027.
- Action required licensing · Federal · Aug 22, 2026
Phase Three of NMLS Modernization Deployed
Phase Three of NMLS Modernization was deployed in August 2026, adding new functionalities for state agencies.
- Action required licensing · Federal · Aug 22, 2026
FTC Shuts Down Credit Repair Scheme
On August 10, 2026, the FTC announced the shutdown of Credit Glory for scamming consumers out of nearly $200 million.
- Action required licensing · Federal · Aug 22, 2026
Supervisory Condition Letter 2026-02: Capital Equivalency Deposit Calculation
On August 12, 2026, OCC issued a supervisory condition letter for Westpac Banking Corporation's request regarding capital equivalency calculations.
- Action required licensing · Federal · Aug 22, 2026
CFPB to Cease Discretionary Publication of Complaint Narratives and Visualizations
On August 14, 2026, the CFPB announced it would stop the discretionary publication of consumer complaint narratives and visualizations.
- Action required licensing · NY · Aug 21, 2026
Independent Dispute Resolution Guidance
On August 13, 2026, New York DFS issued new guidance and a draft regulation on the independent dispute resolution for surprise medical bills, effective August 26, 2026. This regulation aims to enhance consumer protections in healthcare-related financial disputes.
- Action required licensing · Federal · Aug 21, 2026
CSBS GENIUS Act Implementation
The implementation of the GENIUS Act was announced on August 11, 2026, which lays out reporting forms and requirements for payment stablecoin issuers. This aligns with evolving regulatory standards around digital assets.
- Action required licensing · Federal · Aug 21, 2026
NMLS Phase Three Deployment
Phase Three of NMLS modernization was deployed in August 2026, enhancing state licensing processes. Key updates include improved communication and task management.
- Action required licensing · Federal · Aug 21, 2026
FinCEN Analysis of Suspicious Activity Reports
On August 13, 2026, FinCEN released an analysis highlighting nearly $5 billion in BSA reports linked to suspected human smuggling, primarily filed by Money Services Businesses (MSBs). This signals the need for increased vigilance in AML reporting.
- Action required licensing · Federal · Aug 21, 2026
OCC Bulletin 2026-38: Bank Accounting Advisory Series Updated
The OCC issued Bulletin 2026-38 on August 14, 2026, providing updated accounting guidelines for banks. These updates facilitate compliance with evolving accounting standards.
- Action required licensing · Federal · Aug 21, 2026
CFPB Enforcement Actions
No new CFPB enforcement actions were reported between August 7, 2026, and August 21, 2026. The agency continues its focus on consumer protection without issuing new enforcement measures in this period.
- Watch licensing · NY · Aug 20, 2026
Second Amendment to 23 NYCRR 400 Pre-Proposal
The NYDFS announced a pre-proposal for a second amendment to regulations on independent dispute resolution for emergency services and surprise bills.
- Action required licensing · Federal · Aug 20, 2026
Final Rule Ending Beneficial Ownership Reporting Requirements
FinCEN issued a final rule ending beneficial ownership reporting requirements under the Corporate Transparency Act.
- Action required licensing · MN · Aug 20, 2026
Renewal of Minnesota Geographic Targeting Order
FinCEN renewed the Minnesota Geographic Targeting Order, requiring compliance for money service businesses.
- Informational licensing · Federal · Aug 20, 2026
Debt Collection Settlement with NewRez LLC
A multistate settlement was reached with NewRez LLC, resulting in a $15. 5 million settlement for improper force-placed insurance charges.
- Action required licensing · Federal · Aug 20, 2026
Financial Data Transparency Act Joint Data Standards
The CFPB's latest final rule addresses standardized requirements for financial data transparency under the Financial Data Transparency Act.
- Action required licensing · Federal · Aug 19, 2026
August 2026 Monthly Settlement with NewRez LLC
State financial regulators announced a nearly $15. 5 million settlement with NewRez LLC related to improperly charged insurance.
- Watch licensing · NY · Aug 19, 2026
DFS Pre-Proposed Amendment to 23 NYCRR 400
The DFS posted a pre-proposed second amendment to 23 NYCRR 400 on August 13, 2026; comments are due by August 24, 2026.
- Action required licensing · Federal · Aug 19, 2026
New NMLS Information Requests and Notification Changes
August 2026 updates include new Information Requests and notification options for individuals within the NMLS system.
- Watch licensing · Federal · Aug 19, 2026
FinCEN Proposed Rule for AML/CFT Reforms
On April 7, 2026, FinCEN proposed reforms to AML/CFT program requirements affecting MSBs and financial institutions.
- Action required licensing · CA · Aug 18, 2026
California Debt Collection Licensing Act Updates
California continues to enforce its Debt Collection Licensing Act, maintaining rigorous licensing and examination protocols for debt collectors and debt buyers. The DFPI supervises compliance closely.
- Action required licensing · Federal · Aug 18, 2026
CSBS Mortgage Transmission Modernization Act Implementation
The Money Transmission Modernization Act (MTMA) is being implemented across various states, aiming to standardize money transmission regulations. Several states are adopting provisions for regulatory consistency.
- Action required licensing · FL · Aug 18, 2026
OFR Money Services Business Rule Updates
New rules for money services businesses (MSBs) under Chapter 69V-560 became effective on July 1, 2026. These updates affect licensing procedures and operational compliance for MSBs in Florida.
- Watch licensing · NY · Aug 18, 2026
DFS Proposed Regulation for Independent Dispute Resolution
The New York Department of Financial Services proposed a second amendment to 23 NYCRR 400 regarding independent dispute resolution for emergency services and surprise bills, with a comment period ending on August 24, 2026. This aims to enhance consumer protections around healthcare billing disputes.
- Action required licensing · Federal · Aug 18, 2026
CFPB Final Rule Compilation on Debt Collection Practices
The governing federal framework for debt collection continues under the FDCPA and CFPB's Regulation F, effective since November 30, 2021. No major new federal debt collection rules took effect during August 4 to August 18, 2026.
- Action required licensing · Federal · Aug 17, 2026
Updates to the Telemarketing Sales Rule
The FTC's Telemarketing Sales Rule requires truthfulness in debt relief advertising and prohibits upfront fees, impacting how companies operate.
- Action required licensing · Federal · Aug 17, 2026
Updated Community Bank Compliance Guide
The OCC released an updated compliance guide for community banks on July 30, 2026, aimed at streamlining compliance with regulations.
- Watch licensing · Federal · Aug 17, 2026
Feedback on Proposed Revisions to the Uniform Financial Institutions Rating System
CSBS submitted comments supporting proposed revisions to the Uniform Financial Institutions Rating System, emphasizing the importance of refining the management rating.
- Action required licensing · Federal · Aug 17, 2026
Interagency Guidance on Third-Party Relationships: Risk Management
This guidance, issued on June 6, 2023, provides a risk-based framework for managing third-party relationships in financial institutions.
- Watch licensing · Federal · Aug 17, 2026
Community Reinvestment Act: Interagency Notice of Proposed Rulemaking
Dated July 31, 2026, this NPRM proposes updates to the Community Reinvestment Act to strengthen and modernize CRA implementation.
- Watch licensing · Federal · Aug 17, 2026
Request for Information Regarding Promoting Access to Mortgage Credit
Published on July 9, 2026, the CFPB is seeking input on potential regulatory changes related to TRID disclosures, the right of rescission, and reverse mortgage disclosures.
- Watch licensing · Federal · Aug 16, 2026
August 11, 2026 Reporting Forms and Instructions for Permitted Payment Stablecoin Issuers
CSBS is currently processing a report on regulatory forms for permitted payment stablecoin issuers, with the status marked as pending as of August 11, 2026.
- Action required licensing · NY · Aug 16, 2026
Mortgage Servicer Settlement
On August 12, 2026, the New York DFS announced a $15. 5 million multi-state settlement with a mortgage servicer, underlining enforcement in mortgage servicing practices.
- Action required licensing · NY · Aug 16, 2026
Cybersecurity Settlement with Order Express, Inc.
On August 5, 2026, the New York DFS announced a settlement regarding cybersecurity compliance with Order Express, Inc. This settlement emphasizes the enforcement of cybersecurity regulations by DFS.
- Action required licensing · Federal · Aug 16, 2026
Consumer Financial Protection Bureau Enforcement Actions
As of August 21, 2025, the CFPB's latest enforcement action involved Synapse Financial Technologies, indicating a continued focus on compliance by the Bureau. No new actions were reported for the period of August 2, 2026 to August 16, 2026.
- Watch licensing · Federal · Aug 16, 2026
Bank Secrecy Act and Sanctions Compliance Standards for FDIC-Supervised Permitted Payment Stablecoin Issuers
CSBS submitted comments on this proposal on August 4, 2026, addressing compliance standards for payment stablecoin issuers under the Bank Secrecy Act. This marks a significant step in enhancing regulatory clarity in the emerging stablecoin market.
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