Regulatory change log
Dated log of state licensing and compliance changes tracked across mortgage, money transmitter, and debt collection. Each entry carries its effective date where published, the affected state, and a source link.
Most recent entry: October 29, 2026. 200 active entries listed.
- October 29, 2026Action neededCaliforniadebt collection
California Debt Collection Licensing Act Compliance Update
The California DFPI reported on compliance requirements under the California Debt Collection Licensing Act, noting the invoicing of the annual assessment fee.
- October 29, 2026Action neededMassachusettsdebt collection
Massachusetts Debt Collector Licensing Enforcement
Massachusetts continues to enforce licensing requirements for debt collectors and debt buyers collecting directly from consumers.
- October 29, 2026WatchFloridamoney transmitter
Florida Proposed Rule on Money Transmitters and Stablecoin Issuers
The OFR proposed amendments to rules governing money transmitters, particularly around stablecoin issuer filings and licensing.
- October 27, 2026Action neededOklahomalending
Oklahoma administrative enforcement filing
The Oklahoma Department of Securities filed an administrative enforcement action to uphold compliance with state securities regulations.
- October 26, 2026Watchlicensing
CFPB Debanking Initiative
On October 14, 2026, the CFPB announced a new initiative to address debanking by large banks. This initiative signals an enforcement priority around the issue but does not constitute a formal regulatory action.
- October 26, 2026Informationalmoney transmitter
BSA/AML Enforcement Action Against Bank of America
On October 13, 2026, FinCEN announced a $1. 2 billion penalty against Bank of America for multiple violations of BSA/AML regulations.
- October 25, 2026Watchmoney transmitter
OCC Bulletin 2026-52 - GENIUS Act: Revised Reporting Forms and Instructions
The OCC announced new reporting forms for payment stablecoin issuers and set a comment period for the revised instructions.
- October 24, 2026Action neededmoney transmitter
OCC Final Rule Implementing the GENIUS Act
The OCC finalized its rule implementing the GENIUS Act which establishes requirements for permitted payment stablecoin issuers and related custody activities. This rule becomes effective on January 18, 2027.
- October 23, 2026Watchlicensing
CFPB Announces New Initiative to Address Debanking
On October 14, 2026, the CFPB announced a new initiative targeting the practices of large banks in debanking businesses based on constitutionally protected rights. This is a proactive step by the Bureau to address consumer protection issues related to banking access.
- October 23, 2026Informationaldebt collection
FTC Enforcement Action Against Debt Relief Operation
On October 14, 2026, a federal court permanently shut down a debt relief operation that misled consumers by impersonating government entities. The court ordered a judgment of $106.
- October 23, 2026InformationalCalifornialending
DFPI Warns Lenders About Handling Insurance Payouts
On October 15, 2026, the California DFPI ordered financial institutions to report on their handling of insurance payouts for fire survivors in Los Angeles. Non-compliance could lead to enforcement actions.
- October 22, 2026Action neededlending
FTC Settlement with Cleo AI over Deceptive Claims
On October 8, 2026, the FTC announced its settlement with Cleo AI, returning $15. 8 million to consumers.
- October 22, 2026Action neededmortgage
CSBS NMLS Annual Renewal Guidance
Guidance issued on October 21, 2026, advising licensees to prepare for the NMLS annual renewal season starting November 1.
- October 21, 2026Watchlending
CFPB Announces New Initiative to Address OCC-Uncovered Debanking by Large Banks
The CFPB announced an initiative aimed at tackling issues related to debanking practices by large banks that have not been covered by the OCC. This initiative highlights ongoing concerns about consumer access to banking services.
- October 21, 2026Action neededmoney transmitter
OCC Bulletin 2026-50: GENIUS Act Regulations
The OCC issued a final rule on October 21, 2026, related to the GENIUS Act for payment stablecoin issuance, effective January 18, 2027. This rule outlines key operational and compliance framework for entities involved in stablecoin transactions.
- October 21, 2026Action neededmoney transmitter
OCC Bulletin 2026-51 - GENIUS Act: Waivers and Application Submission Guidance
The OCC provided guidance on the process for filing applications and requesting waivers under the GENIUS Act.
- October 21, 2026Watchmortgage
State Regulators Seek Input on National Licensing Test
On October 12, 2026, CSBS announced they are seeking input from mortgage loan originators on the national licensing test.
- October 19, 2026Action neededlicensing
CFPB Announces New Initiative to Address Debanking
The CFPB announced a new initiative on October 14, 2026, to address debanking practices by large banks that affect certain consumer sectors. This initiative focuses on ensuring fair access to banking for historically marginalized communities.
- October 19, 2026Action neededmoney transmitter
$350 Million OCC Penalty Against American Express National Bank
On October 8, 2026, the OCC announced a cease-and-desist order and imposed a $350 million penalty on American Express National Bank for deficiencies in its BSA/AML compliance program. The OCC cited inadequate resources and internal control gaps.
- October 19, 2026Action neededlicensing
Temporary Relief for Hurricane-Impacted Banks
The OCC allowed national banks in Alabama, Florida, and Mississippi impacted by Hurricane Isaias to close temporarily. This operational response was issued on October 8, 2026.
- October 19, 2026WatchFloridalicensing
Financial Reports Rule Update
The OFR proposed an amendment on October 7, 2026, to add a hyperlink to a new certification form concerning the accuracy of month-end reserve reports.
- October 19, 2026Action neededlicensing
OCC's Regulatory Agenda on Banking Access
The OCC has set an emphasis on regulatory statements addressing fair access to banking services, released on October 14, 2026.
- October 17, 2026Action neededCaliforniadebt collection
California DFPI Monthly Bulletin - October 2026
The DFPI's October bulletin reports on enforcement actions, including penalties and regulatory updates related to consumer protection.
- October 17, 2026Action neededCalifornialending
DFPI report on 2025 enforcement under CCFPL
In 2025, DFPI took 391 enforcement actions resulting in over $1. 4 million in penalties.
- October 17, 2026Action neededCalifornialending
Order to Financial Institutions Regarding LA Fire Insurance Payouts
The DFPI mandated financial institutions to report data on their insurance payout handling for Los Angeles fire survivors, threatening enforcement against non-compliance.
- October 17, 2026Action neededmoney transmitter
Operation Economic Outcast Targets Iranian Regime's Abuse of Religious Charity Networks
FinCEN issued an alert asking financial institutions to report potential abuses linked to Iranian charity networks. The alert targets financial institutions, including Money Services Businesses, to monitor potential red flags.
- October 17, 2026Informationallending
FinCEN Assesses $1.2 Billion Penalty Against Bank of America
FinCEN imposed a historic penalty against Bank of America for willful Bank Secrecy Act violations, including deficiencies in their AML program.
- October 16, 2026InformationalConnecticutdebt collection
Bulletin 3267 Enforcement Action
Connecticut's Department of Banking published Bulletin 3267, announcing enforcement actions against two entities for unlicensed debt-collection activities. The orders reflect active state oversight of licensed collection agency practices.
- October 15, 2026Action neededMarylandmoney transmitter
New Maryland Money Transmitter Definition
Maryland's legislation excludes certain payroll processors from the definition of money transmitter under specific conditions.
- October 15, 2026Action neededlending
FTC Settlement with Cash Advance App Company
The FTC secured $15. 8 million in returns to consumers misled by Cleo AI regarding cash advance claims.
- October 15, 2026Action neededmoney transmitter
OCC $750 Million Civil Money Penalty Against Bank of America
The OCC announced a historic civil penalty against Bank of America for BSA/AML violations.
- October 15, 2026Watchmortgage
Interagency Proposed Guidance on Third-Party Risk Management
The FDIC released proposed guidance to replace earlier third-party risk management guidelines.
- October 14, 2026Action neededNorth Dakotamoney transmitter
Coinme Multistate Settlement Announced
On October 8, 2026, North Dakota announced a multistate settlement with Coinme Inc. over BSA/AML violations.
- October 14, 2026Action neededlending
OCC Bulletin 2026-49 on Credit Concentrations
The OCC issued Bulletin 2026-49 revising the *Concentrations of Credit* Comptroller's Handbook booklet with updated guidelines for assessing credit concentration risks.
- October 13, 2026Action neededmoney transmitter
FinCEN Alert on Iranian Abuse of Religious Charity Networks
On October 15, 2026, FinCEN published an alert addressing the misuse of charity networks for money laundering.
- October 13, 2026Action neededlending
Small Business Lending under ECOA (Regulation B) Final Rule
The CFPB adopted a final rule addressing small business lending under the Equal Credit Opportunity Act.
- October 13, 2026Action neededmortgage
National Licensing Test Input Survey
CSBS announced a survey for mortgage loan originators to ensure the national licensing test remains current.
- October 13, 2026Action neededlicensing
CSBS Launches Nonbank Industry Advisory Council
CSBS announced the formation of an advisory council to enhance dialogue with nonbank industry participants.
- October 12, 2026WatchFloridalicensing
Financial Institutions Rules Amendment
The Florida Office of Financial Regulation advanced several rulemaking items, including those for financial institutions, consumer finance, and securities.
- October 12, 2026Action neededlicensing
Guidance on Third-Party Risk Management
The FDIC continues to emphasize the importance of risk management concerning third-party relationships.
- October 12, 2026Informationaldebt collection
CFPB Debt Collection Practices Regulation F
Regulation F governs debt collection practices, establishing clearer standards for behavior and communication.
- October 9, 2026Action neededCaliforniadebt collection
California DFPI Debt Collector License Assessments
Annual assessment invoices for debt collector licenses were issued with a payment deadline of September 30, 2026; failure to pay could lead to license suspension.
- October 9, 2026WatchNew Yorkdebt collection
NYC SHIELD Debt Collection Rule Compliance Dates
The effective date for the SHIELD debt collection rule is uncertain, with conflicting indications about whether it is September 1, 2026, or January 1, 2027.
- October 9, 2026Informationalmoney transmitter
Settlement with Coinme Inc.
Thirty-four state financial regulatory agencies reached a $2. 5 million settlement with Coinme Inc.
- October 8, 2026Action neededlending
CRA Performance Evaluations Release
On October 5, 2026, the OCC released CRA performance evaluations for 13 institutions.
- October 8, 2026Action neededlicensing
Nonbank Industry Advisory Council Launch
On September 29, 2026, CSBS launched the Nonbank Industry Advisory Council to foster dialogue between industry experts and state supervisors.
- October 7, 2026Action neededdebt collection
CFPB Regulation F
CFPB Regulation F implements measures under the FDCPA for debt collection practices. No new amendments or rules were issued between September 30 and October 14, 2026.
- October 6, 2026WatchFloridamoney transmitter
Notice of Proposed Rule for Payment Stablecoin Issuer Reporting
A proposed rule seeks to amend reporting requirements for payment stablecoin issuers regarding financial reports.
- October 6, 2026Watchlending
Advance Notice of Proposed Rulemaking on Impersonation Ads
The FTC pursues an update to its rules regarding impersonation of government entities and businesses through advertising.
- October 5, 2026Action neededMarylandmoney transmitter
MD Money Transmitter Act Update
Effective October 1, 2026, Maryland updated its Money Transmission Act to exclude certain payroll processing arrangements from the definition of 'money transmitter'.
- October 5, 2026Watchlicensing
FTC Seeks Comments on Impersonation Rule
The FTC is seeking public comments on potential updates to its Impersonation Rule to enhance protections against impersonation scams.
- October 5, 2026Action neededIllinoislicensing
Illinois IDFPR Launches Consumer Financial Complaints Portal
On September 21, 2026, IDFPR announced the launch of a new online portal to streamline consumer financial complaints.
- October 4, 2026Watchlicensing
FDIC Proposed Revision of Bank Merger Review Framework
The FDIC proposed an overhaul of its bank merger review framework, including a new 'deemed approval' process for mergers and acquisitions.
- October 4, 2026Action neededmoney transmitter
FinCEN Geographic Targeting Order
FinCEN issued a Geographic Targeting Order requiring MSBs along the Southwest Border to enhance recordkeeping and reporting requirements.
- October 4, 2026Action neededCalifornialending
California Stablecoin Regulation Framework
California established a licensing framework for payment stablecoin issuers, effective October 1, 2026.
- October 3, 2026WatchFloridalicensing
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.
- October 3, 2026WatchWashingtondebt collection
Washington State Collections Agency Updates
Washington State's Department of Licensing posted proposed fee-related rules for collection agencies with potential implications for operational costs.
- October 3, 2026Action neededMinnesotamortgage
Minnesota Multistate Settlement with NewRez LLC
Minnesota joined 45 state regulatory agencies in a $15. 5 million settlement due to improper insurance charges.
- October 3, 2026Action neededMarylandmoney transmitter
Maryland Payroll Processor Exemption
Maryland implemented an exemption for certain payroll processors from money transmission licensing requirements under new legislation.
- October 2, 2026Action neededIowamortgage
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.
- October 1, 2026Action neededMarylandmoney transmitter
Maryland Money Transmitter Definition Amendment
Maryland amended its Money Transmission Act to exclude certain payroll processing agents from the definition of a money transmitter effective October 1, 2026.
- September 30, 2026Action neededNew Yorklending
Final Adoption of Insurance Regulation 168 - Confidentiality Protocols
New York DFS adopted a regulation to establish confidentiality protocols for victims of domestic violence and endangered individuals within the insurance sector.
- September 30, 2026Watchlicensing
H.R. 10184 Approval by House Financial Services Committee
The committee approved H. R.
- September 30, 2026Action neededNew Yorkdebt collection
New York City SHIELD Rule Delay
New York City clarified that the effective date of the SHIELD debt collection rule is postponed to January 1, 2027, instead of September 1, 2026.
- September 29, 2026Watchlending
Monthly Enforcement Actions
The OCC published its announcement of enforcement actions for September 2026, detailing actions against banks and their affiliates.
- September 29, 2026WatchFloridamoney transmitter
OFR Proposed Rule for Payment Stablecoins
On October 5, 2026, the OFR published proposed rules concerning payment stablecoins as part of Chapter 2026-176, implementing new regulations for issuers in Florida.
- September 29, 2026Action neededmoney transmitter
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.
- September 27, 2026Action neededlicensing
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.
- September 27, 2026Action neededlicensing
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.
- September 27, 2026Action neededCaliforniamortgage
California Establishes Permanent Disaster Mortgage Forbearance Requirements
California established permanent requirements for mortgage forbearance in disaster situations, expanding relief to borrowers affected by disasters.
- September 27, 2026Action neededMinnesotalending
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.
- September 27, 2026Action neededIllinoisdebt collection
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.
- September 26, 2026Action neededWashingtonmortgage
Consent Order with Thomas Austin MacArthur
Consent Order issued under the Mortgage Brokers Practices Act related to licensing issues.
- September 25, 2026WatchFloridamoney transmitter
Florida New Money Transmitter Rules
Florida published a notice for new rules regarding money transmitters, including requirements for stablecoin certification and electronic filing.
- September 24, 2026Action neededIllinoisdebt collection
Illinois IDFPR Enforcement Actions Against Debt Relief Companies
IDFPR took enforcement action against two unlicensed debt relief companies, including restitution and penalties.
- September 24, 2026WatchCalifornialending
California DFPI Enforcement Actions
No new enforcement actions were confirmed from the California DFPI during the specified window.
- September 23, 2026Action neededlicensing
OCC Bulletin 2026-48: Cybersecurity Supervision Work Program
The OCC issued Bulletin 2026-48 which updates the Cybersecurity Supervision Work Program. The changes align existing procedures with supervisory guidance and the NIST Cybersecurity Framework without adding new procedures.
- September 23, 2026Action neededOklahomamoney transmitter
Oklahoma Money Transmission Modernization Act
The Oklahoma Money Transmission Modernization Act was enacted in 2026, establishing a new licensing and supervisory framework aligned with multi-state modernization.
- September 23, 2026Action neededIllinoismoney transmitter
Illinois Uniform Money Transmission Act Rules
Administrative rules for the Uniform Money Transmission Modernization Act became effective on September 2, 2026, allowing for a more streamlined approach to money transmission regulation.
- September 21, 2026Action neededdebt collection
CFPB Regulation F: Debt Collection Rule Remains in Force
CFPB Regulation F governs debt collection practices, implementing protections from the FDCPA. No new amendments were established in October 2026.
- September 21, 2026WatchMarylanddebt collection
Maryland State Collection Agency Licensing Board Meeting Agenda
The board's September 2026 agenda included discussions on enforcement policies and procedures for licensing.
- September 20, 2026Action neededdebt collection
CashCall Inc. Court Ruling
On September 11, 2026, a federal district court denied CashCall's motion for relief under Rule 60(b), affirming the CFPB's post-remand judgment against the company. This ruling solidifies the CFPB's enforcement actions against CashCall.
- September 20, 2026Action neededGeorgiamoney transmitter
Georgia Unlicensed Money Transmission Action
The state issued a cease-and-desist order against Polar Tensor US for unlicensed money transmission involving virtual currency.
- September 20, 2026Action neededMarylandmoney transmitter
Change to Money Transmission Act
Effective October 1, 2026, Maryland's Money Transmission Act now excludes certain payroll processors from the definition of a money transmitter under specified conditions. This provides clarity for payroll processors on their licensing requirements.
- September 20, 2026Action neededmortgage
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.
- September 19, 2026Watchmoney transmitter
Proposed Third-Party Risk Management Guidance
The OCC opened comments on guidance that will replace existing third-party risk management guidelines.
- September 19, 2026Action neededCalifornialending
California DFPI Enforcement Actions
The California DFPI secured penalties and enforced actions including a significant $4 million penalty against Navitas Credit Corp. for unlicensed lending activities.
- September 19, 2026Action neededlending
Final Rule on Unsafe or Unsound Practices
The OCC and FDIC published a final rule defining 'unsafe or unsound practice' under the Federal Deposit Insurance Act, revising the supervisory framework for matters requiring attention.
- September 19, 2026Action neededVirginiamoney transmitter
Virginia Money Transmitter Final Rule Adoption
Virginia adopted final regulations concerning money order sellers and money transmitters following legislative updates.
- September 19, 2026Action neededTexaslicensing
Texas Consent Order Against Set Forth, LLC
Texas Department of Banking issued a Consent Order against Set Forth, LLC on October 5, 2026, related to regulatory compliance.
- September 18, 2026Action neededlicensing
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.
- September 18, 2026Action neededMarylanddebt collection
Maryland Collection Agency Licensing Board Update
The Maryland State Collection Agency Licensing Board announced its role in processing applications, monitoring, and disciplining licensees. This update focuses on administrative responsibilities rather than new enforcement actions.
- September 17, 2026Action neededIllinoisdebt collection
Illinois Unlicensed Debt-Relief Enforcement Action
Illinois announced enforcement against two companies operating without required licensing in the student loan debt relief space, ordering restitution to consumers.
- September 16, 2026Watchlicensing
New Initiative to Address Alleged Debanking by Large Banks
The CFPB announced a new initiative aiming to investigate and address the issue of alleged debanking practices carried out by large banks.
- September 16, 2026Action neededlending
Final Rule Revising Regulation B for Small Business Lending
The CFPB issued a final rule on May 1, 2026, revising Regulation B concerning data collection for small business lending under section 1071 of Dodd-Frank. This final rule is part of ongoing efforts to ensure transparency and fair access in lending.
- September 16, 2026Watchlending
Small Business Lending Data Collection Guidance
The HUD released guidance related to the reconsideration of data collection on small business lending under the Dodd-Frank Act. Comments are encouraged to enhance transparency and fair lending.
- September 15, 2026Action neededlicensing
CFPB Consumer Financial Protection Updates
Between September 25, 2026 and October 9, 2026, no new final rules or enforcement actions were issued by the CFPB. The latest enforcement action recorded was from August 21, 2025.
- September 15, 2026Action neededmortgage
Final Rule Reducing Regulatory Burden for Community Banks
On September 10, 2026, the OCC announced a final rule increasing eligibility for the 18-month safety and soundness examination cycle for community banks.
- September 15, 2026Watchlending
Proposed Third-Party Risk Management Guidance
On September 11, 2026, the OCC, FDIC, Federal Reserve, and NCUA issued proposed guidance for managing risks associated with third-party relationships.
- September 15, 2026Action neededmortgage
Interagency Statement on Community Banks' Engagement with Core Service Providers
On September 11, 2026, a statement was issued regarding supervisory considerations for community banks working with core service providers.
- September 15, 2026Action neededMassachusettsdebt collection
Massachusetts Debt Collector Settlement
A debt collector was barred from operating in Massachusetts and permanently prohibited from seeking licensing in the state, along with securing over $50 million in relief for consumers.
- September 15, 2026Action neededConnecticutlending
Connecticut Multistate Settlement with NewRez LLC
On September 1, 2026, Connecticut announced a multistate settlement with NewRez LLC related to noncompliance with lender-placed insurance rules.
- September 15, 2026Action neededmoney transmitter
FinCEN Geographic Targeting Order for MSBs
On September 2, 2026, FinCEN reissued a Geographic Targeting Order for certain money services businesses (MSBs) along the U. S.
- September 14, 2026Action neededlicensing
Joint Final Rule on Unsafe or Unsound Practices
On August 27, 2026, the OCC and FDIC issued a joint final rule defining 'unsafe or unsound practice' and revising standards for issuing Matters Requiring Attention (MRAs). The rule limits MRAs to matters likely to cause material harm to a bank's financial condition.
- September 14, 2026Watchlicensing
Proposed Rule on MRAs for Violations of Laws
Also on August 27, 2026, the OCC issued a notice of proposed rulemaking to distinguish between substantive and technical violations when issuing MRAs.
- September 14, 2026Action neededlending
Interim Final Rule Increasing Exam Cycle Eligibility
The OCC, FDIC, and Federal Reserve issued an interim final rule increasing the asset threshold for institutions to qualify for an 18-month on-site examination cycle. The threshold was raised from $3 billion to $6 billion.
- September 14, 2026Watchlicensing
Proposed Third-Party Risk Management Guidance
On September 11, 2026, the OCC and several federal agencies issued proposed guidance to revise third-party risk management practices.
- September 14, 2026Action neededmoney transmitter
Reissued Southwest Border GTO for MSBs
On September 2, 2026, FinCEN reissued a Geographic Targeting Order imposing enhanced reporting requirements on certain money services businesses (MSBs) in specified areas.
- September 13, 2026Action neededlending
CRA Evaluation Schedule Issued
On August 31, 2026, the OCC published the Fourth Quarter 2026 and First Quarter 2027 CRA Evaluation Schedule, outlining timelines for Community Reinvestment Act evaluations.
- September 13, 2026Action neededlending
CIP/Digital Credential FAQ
Issued on September 8, 2026, the OCC published FAQs clarifying the use of state-issued mobile driver's licenses and other verifiable digital credentials under the Customer Identification Program.
- September 13, 2026Watchlending
Third-Party Risk Management (Proposed Guidance)
The OCC, along with other agencies, proposed guidance to revise and replace existing third-party risk management guidelines. This new framework encourages customized risk management approaches based on the assessed risk level of each vendor relationship.
- September 13, 2026Action neededlending
Core Service Providers / Community Bank Supervision Statement
On September 11, 2026, the OCC released guidance on the risk-based supervision of services provided by core service providers to community banks.
- September 13, 2026Action neededmoney transmitter
Whistleblower Bulletin on Iran-Related Illicit Finance
FinCEN issued a whistleblower bulletin focusing on Iran-related illicit finance, emphasizing the need for vigilance and awareness among financial entities.
- September 13, 2026Action neededlicensing
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.
- September 12, 2026Action neededlending
Expanded Examination Cycle Eligibility
An interim final rule was issued to raise the threshold for qualifying banks for the 18-month on-site examination cycle.
- September 12, 2026Watchlending
Proposed Third-Party Risk Management Guidance
The OCC, Federal Reserve, and FDIC issued proposed interagency guidance on third-party risk management, intended to replace existing guidance. Comments on this proposal are due 60 days after Federal Register publication.
- September 12, 2026Action neededmoney transmitter
Reissuance of Southwest Border MSB Geographic Targeting Order
FinCEN reissued a Geographic Targeting Order imposing enhanced recordkeeping and reporting requirements on certain Money Services Businesses along the U. S.
- September 12, 2026WatchMassachusettsdebt collection
Debt Collection Consent Judgment
The Massachusetts Attorney General filed a proposed consent judgment to permanently bar a debt buyer/operator from collection activities due to several alleged violations.
- September 12, 2026Action neededNew Yorkdebt collection
Closure of the SHIELD Rule's Implementation Delay
The New York City Council confirmed that the SHIELD Rule's effective date has been pushed to January 1, 2027.
- September 12, 2026Action neededlending
Final Rule on Unsafe or Unsound Practices and MRAs
The OCC and FDIC issued a final rule defining 'unsafe or unsound practice' for supervisory purposes and revising the framework for Matters Requiring Attention (MRAs).
- September 11, 2026Informationalmoney transmitter
OCC Assessment Against Bank of America
On October 13, 2026, OCC imposed a $750 million assessment against Bank of America for deficiencies related to BSA/AML compliance. This action emphasizes the importance of robust anti-money laundering practices.
- September 11, 2026Action neededmoney transmitter
Suspicious Activity Report Confidentiality Guidance
On September 2, 2026, the OCC released a joint statement clarifying SAR confidentiality requirements. This is particularly relevant for banks when communicating with customers about suspicious activities.
- September 11, 2026Action neededlicensing
OCC Bulletin 2026-44: FAQs on Verifiable Digital Credentials
The OCC issued FAQs clarifying the use of government-issued digital credentials under the Customer Identification Program (CIP) rule. This guidance impacts how banks verify identities using digital formats.
- September 11, 2026Informationalmoney transmitter
OCC Bulletin 2026-50: GENIUS Act Regulations: Final Rule
On October 21, 2026, the OCC issued a final rule establishing requirements for permitted payment stablecoin issuers. The rule also addresses custody activities by OCC-supervised entities.
- September 11, 2026Action neededmoney transmitter
Geographic Targeting Order for MSBs
FinCEN reissued a Geographic Targeting Order on September 2, 2026, requiring MSBs along the southwest border to file Currency Transaction Reports for cash transactions between $1,000 and $10,000.
- September 11, 2026Action neededTexaslending
Texas Banking Commissioner Consent Orders
Multiple consent orders were issued, prohibiting further participation of individuals in the banking sector.
- September 11, 2026Action neededlending
Credit Repair Scheme Enforcement by FTC
On August 2026, the FTC announced it stopped a large credit-repair scheme that used deceptive marketing tactics.
- September 11, 2026WatchTexasmortgage
Texas SML TREO Rule Review
The Texas SML issued a stakeholder notice regarding conceptual rule changes on August 27, 2026.
- September 10, 2026Action neededlending
Joint final rule on unsafe or unsound practices and MRAs
The OCC and FDIC issued a final rule defining 'unsafe or unsound practice' for enforcement purposes and revised the framework for Matters Requiring Attention (MRAs). Unsafe practices must be contrary to generally accepted standards and likely to materially harm a bank's financial condition.
- September 10, 2026Action neededlending
Revised enforcement and supervisory manuals
The OCC released revised internal manuals for bank enforcement actions emphasizing escalation, tailoring, and focus. The revisions stress that supervisory observations do not automatically create remediation expectations.
- September 10, 2026Action neededmoney transmitter
Geographic Targeting Order for MSBs
FinCEN reissued a Geographic Targeting Order imposing enhanced reporting requirements on certain MSBs along the U. S.
- September 10, 2026Watchlending
OCC proposal distinguishing substantive vs. technical violations
The OCC proposed a rule to refine the issuance of MRAs by distinguishing between substantive violations, which have meaningful impacts, and technical violations, which do not warrant an MRA.
- September 10, 2026Action neededCaliforniamortgage
California DFPI Debt Collection Licensing Act Enforcement
The DFPI is issuing 2026 assessments through NMLS to licensed debt collectors, emphasizing active oversight on net-proceeds reporting.
- September 10, 2026Action neededTexaslending
Licensing Fee Schedule Change in Texas
The Texas Department announced a new licensing fee schedule effective September 1, 2026, affecting mortgage lenders and related entities.
- September 9, 2026Action neededlending
Joint OCC/FDIC Final Rule on Unsafe or Unsound Practices
On August 27, 2026, the OCC and FDIC issued a joint final rule defining 'unsafe or unsound practice' for enforcement purposes. The intent is to clarify supervision and focus on material financial risks.
- September 9, 2026Action neededlending
OCC Revised Enforcement and MRA Policy Manuals
The OCC revised its internal Policies and Procedures Manuals on August 27, 2026, emphasizing three principles for enforcement decisions: escalation, tailoring, and focusing corrective actions on deficiencies.
- September 9, 2026Watchlending
OCC Proposed Rule on Violations of Laws and Regulations
A notice of proposed rulemaking was issued by the OCC on August 27, 2026, categorizing violations into 'substantive' and 'technical. ' This aims to focus supervisory attention on impactful violations.
- September 9, 2026Action neededmoney transmitter
FinCEN Geographic Targeting Order Reissuance
On September 2, 2026, FinCEN reissued the Southwest Border MSB Geographic Targeting Order requiring enhanced reporting for certain MSBs in New Mexico and Texas.
- September 9, 2026Action neededTexasmortgage
Texas Licensing Fee Schedule Announcement
Texas SML issued a new licensing fee schedule effective September 1, 2026, impacting all new applications and renewals.
- September 9, 2026Action neededNew Yorkdebt collection
NYC SHIELD Rule Implementation
The NYC Department of Consumer Affairs enforced the new SHIELD rule which imposes stricter requirements on debt collection practices.
- September 9, 2026Watchlending
OCC Proposed Rule on Violations of Laws and Regulations
A proposed rule categorizing violations into 'substantive' and 'technical', issued August 27, 2026.
- September 8, 2026Action neededlending
Special Purpose Credit Programs Rescission
The OCC rescinded the 2022 interagency statement on special purpose credit programs under ECOA/Regulation B, clarifying that creditors cannot discriminate on prohibited bases.
- September 8, 2026Action neededlending
Joint Final Rule on Unsafe or Unsound Practices
The OCC and FDIC issued a joint final rule defining unsafe or unsound practices and establishing a standard for issuing Matters Requiring Attention (MRAs).
- September 8, 2026Action neededlending
Revised OCC Enforcement and MRA Manuals
The OCC released revised manuals for bank enforcement actions and Matters Requiring Attention (MRAs), emphasizing transparency and proportional responses.
- September 8, 2026Watchlending
Proposed Rule on Violations-Based MRAs
A notice of proposed rulemaking to refine conditions under which a Matter Requiring Attention can be issued based on violations of laws.
- September 8, 2026Action neededmoney transmitter
Geographic Targeting Order Reissued
FinCEN reissued a Geographic Targeting Order for certain money services businesses along the Southwest border, enhancing reporting requirements for cash transactions.
- September 8, 2026Action neededdebt collection
September 2027 National Do Not Call Registry Access Fee Announcement
FTC sets the FY 2027 National Do Not Call Registry access fees for telemarketers, effective October 1, 2026.
- September 7, 2026Action neededlending
Joint Final Rule on Unsafe or Unsound Practices
The OCC and FDIC defined 'unsafe or unsound practice' and revised the framework for issuing Matters Requiring Attention (MRAs). The rule emphasizes that these practices jeopardize financial condition and carry risks to the Deposit Insurance Fund.
- September 7, 2026Action neededlending
OCC Revised Enforcement and MRA Manuals
The OCC revised several manuals, highlighting principles of escalation and tailored enforcement for banks.
- September 7, 2026Watchlending
OCC Proposed Rule on Violations of Law/Regulation
The OCC proposed a rule categorizing substantive and technical violations in relation to MRAs for banks.
- September 7, 2026Action neededlending
CRA Evaluation Schedule for Q4 2026 and Q1 2027
The OCC published its CRA evaluation schedule for the next two quarters, providing banks with essential planning information.
- September 7, 2026Action neededmoney transmitter
FinCEN Alert on Digital Asset Investment Scams
FinCEN issued an alert about the rise of digital asset investment scams and urged financial institutions to enhance monitoring.
- September 7, 2026Action neededmoney transmitter
Reissued Southwest Border MSB Geographic Targeting Order
FinCEN reissued a Geographic Targeting Order that mandates enhanced reporting for cash transactions at MSBs along the southwest border.
- September 7, 2026Action neededmoney transmitter
CSBS Money Transmission Modernization Act Update
CSBS reported on the enactment of the Money Transmission Modernization Act in 31 states, which streamlines money transmitter licensing.
- September 6, 2026Action neededlicensing
No New CFPB Rules or Enforcement Actions
During the period from August 23 to September 6, 2026, no new CFPB enforcement actions or rules were issued.
- September 6, 2026Action neededlending
OCC Rescinds Special Purpose Credit Programs Statement
The OCC issued Bulletin 2026-39 on August 25, 2026, rescinding the interagency statement on special purpose credit programs.
- September 6, 2026Action neededlicensing
Final Rule on Unsafe or Unsound Practices
OCC and FDIC issued Bulletin 2026-40 on August 27, 2026, defining 'unsafe or unsound practices' and refining Matters Requiring Attention (MRA).
- September 6, 2026Action neededlicensing
Revised OCC Enforcement and MRA Manuals
On August 27, 2026, the OCC revised its internal Policies and Procedures Manuals related to enforcement actions and MRAs.
- September 6, 2026Action neededmoney transmitter
FinCEN Geographic Targeting Order for MSBs
FinCEN reissued a Geographic Targeting Order for MSBs on September 2, 2026, enhancing recordkeeping and reporting requirements.
- September 6, 2026Action neededmoney transmitter
Revision of SAR Confidentiality Guidance
A joint statement regarding SAR confidentiality was issued on September 2, 2026 by FinCEN and other agencies.
- September 6, 2026Action neededTexasmortgage
Texas Licensing Fee Schedule Change
Texas announced a licensing fee schedule effective September 1, 2026.
- September 6, 2026Action neededConnecticutdebt collection
Connecticut Debt Negotiation Enforcement Action
Connecticut's Department of Banking took enforcement action against CDS Debt Relief LLC on August 21, 2026, for unlicensed debt negotiation practices.
- September 6, 2026Action neededNew Yorkdebt collection
NYC SHIELD Debt Collection Rule Delay
The effective date of NYC's SHIELD Rule, initially set for September 1, 2026, has been postponed to January 1, 2027.
- September 5, 2026Action neededlending
OCC Bulletin 2026-39: Rescission of Interagency Statement on Special Purpose Credit Programs
The OCC rescinded the 2022 interagency statement regarding special purpose credit programs under ECOA/Regulation B. Creditors are instructed not to rely on the 2022 statement.
- September 5, 2026Action neededlending
OCC Bulletin 2026-40: Final Rule on Unsafe or Unsound Practices
The OCC issued a final rule defining 'unsafe or unsound practice' and creating uniform standards for Matters Requiring Attention (MRAs). The rule clarifies that reputation risk unrelated to financial condition is excluded.
- September 5, 2026Action neededlending
OCC Bulletin 2026-41: Revised Policies and Procedures Manuals
The OCC released revised internal supervisory procedures manuals for bank enforcement actions and MRAs, aligning with the recent final rule.
- September 5, 2026Watchlending
OCC Bulletin 2026-42: Proposed Rulemaking on MRAs for Violations of Laws and Regulations
The OCC proposed a rule distinguishing between substantive and technical violations for issuing MRAs, limiting MRAs only to substantive violations.
- September 5, 2026Action neededmoney transmitter
FinCEN Reissued Southwest Border MSB GTO
FinCEN reissued the Geographic Targeting Order (GTO) placing enhanced recordkeeping and reporting requirements on certain MSBs located along the U. S.
- September 5, 2026Action neededMassachusettsmoney transmitter
Massachusetts Reminder on Money Transmitter Licensing Requirements
Reminder issued by the Massachusetts Division of Banks stressing that entities required to be licensed under M. G.
- September 5, 2026Action neededmoney transmitter
CSBS MTMA Update
The CSBS updated its tracking of the Money Transmission Modernization Act, indicating 31 states have enacted the law partially or entirely as of August 2026.
- September 4, 2026Action neededlicensing
OCC Action to Revise Supervisory Manuals
The OCC revised its policies and procedures manuals governing enforcement actions and MRAs to support a more transparent approach.
- September 4, 2026Watchlicensing
OCC Proposed Rule on MRAs
The OCC proposed a rule to codify its approach regarding MRAs tied to legal and regulatory violations.
- September 4, 2026Action neededlicensing
FTC Settlement with Doxo
The FTC announced a settlement with Doxo for misleading search ads related to billing services.
- September 4, 2026Watchlicensing
FTC Proposed Enforcement Policy Statement on Personalized Pricing
The FTC seeks comment on a draft enforcement policy statement addressing personalized pricing based on consumer data.
- September 4, 2026Watchlicensing
FinCEN Proposal of Special Measure
FinCEN proposed a special measure regarding Banque Misr UAE amid concerns over money laundering activities.
- September 4, 2026Action neededmortgage
NMLS August 2026 Phase Three Release
NMLS released major updates enhancing the regulator's workspace and improving task management for licensing.
- September 4, 2026Action neededCaliforniainsurance
California Insurance Law § 2356 Implementation
New California law mandates insurers to notify clients about premium increases upon renewal.
- September 4, 2026Action neededGeorgialicensing
Georgia DBF Regulatory Actions Update
No new regulations were confirmed as effective or proposed after August 14, 2026, due to a database update delay.
- September 4, 2026Action neededlending
Final Rule Amending Regulation B
On April 22, 2026, the CFPB issued a final rule amending Regulation B under the Equal Credit Opportunity Act (ECOA), removing the 'effects test' and stating that ECOA does not recognize disparate-impact liability.
- September 4, 2026Action neededlending
Final Rule Revising Small Business Lending Rule
On May 1, 2026, the CFPB revised the small business lending rule under ECOA/Section 1071, changing coverage, data points, and compliance timing.
- September 4, 2026Action neededlending
OCC Bulletin 2026-39 - Rescission of Interagency Statement
On August 25, 2026, the OCC rescinded the 2022 interagency statement on special purpose credit programs under ECOA, clarifying that creditors may not discriminate on prohibited bases.
- September 4, 2026Action neededlending
OCC Bulletin 2026-40 - Unsafe or Unsound Practices Rule
On August 27, 2026, the OCC and FDIC issued a final rule defining 'unsafe or unsound practice' for supervisory communications.
- September 4, 2026Action neededlending
OCC Bulletin 2026-41 - Revised Enforcement Manuals
The OCC released revised enforcement manuals on August 27, 2026, aligning with changes in supervisory rules.
- September 4, 2026Watchlending
OCC Bulletin 2026-42 - Proposed Rule on Violations
A proposed rule issued by the OCC on August 27, 2026, seeks to categorize legal and regulatory violations.
- September 4, 2026Action neededmoney transmitter
FinCEN Guidance on Hospice Fraud Engagement
FinCEN held an engagement to combat hospice fraud on August 19, 2026, emphasizing the need for awareness regarding fraudulent activities.
- September 4, 2026Action neededmortgage
NMLS August 2026 Release
NMLS Phase 3 modernization changes went live on August 15, 2026, affecting state-licensed individuals and companies.
- September 4, 2026Action neededMarylandmoney transmitter
Maryland OFR Guidance on Occupational License Requests
Maryland issued guidance on August 19, 2026, regarding pre-determination requests for occupational licenses including money transmission.
- September 4, 2026Action neededMarylandmoney transmitter
Maryland OFR Guidance on Kiosk Fees
On August 25, 2026, Maryland OFR provided guidance on calculating fees for virtual currency kiosks under money transmission laws.
- September 4, 2026WatchIllinoislending
Illinois IDFPR Proposed Rule on Student Loan Servicing
IDFPR issued a first notice for the Student Loan Servicing Rights Act on August 21, 2026, beginning the rulemaking process.
- September 4, 2026Action neededKentuckymoney transmitter
Kentucky DFI Agreed Order against QC Financial Services
On August 24, 2026, Kentucky DFI imposed a $3,000 civil penalty against QC Financial Services for exceeding transaction limits.
- September 4, 2026Action neededMontanamortgage
Montana DFI License Denial for Sonia Lozano
On August 26, 2026, the Montana DFI issued a License Denial to Sonia Lozano for a mortgage loan originator.
- September 4, 2026Action neededlicensing
Special Purpose Credit Programs: Rescission of Interagency Statement
The OCC rescinds an interagency statement regarding special purpose credit programs, signaling a regulatory shift.
- September 4, 2026Action neededlicensing
Unsafe or Unsound Practices and Matters Requiring Attention: Final Rule
The OCC and FDIC issued a joint final rule to define 'unsafe or unsound practice' and revise the supervisory framework for MRAs.
- September 4, 2026Action neededlicensing
Revised Policies and Procedures Manuals for Bank Enforcement Actions
Substantial revisions to the OCC's internal manuals for enforcement actions and MRAs were introduced.
- September 4, 2026Action neededNew Yorkdebt collection
SHIELD Debt Collection Rule Amendment
The New York City Department of Consumer and Worker Protection amended the effective date of the SHIELD debt collection rule.
- September 4, 2026Action neededmortgage
August 2026 NMLS System Update
NMLS introduced an update that affects the individual licensing process and streamlines communications.
- September 4, 2026WatchIllinoislending
Proposed Changes to Student Loan Servicing Rights Act
IDFPR proposed changes to align with the Student Loan Servicing Rights Act.
- September 4, 2026Action neededIllinoislicensing
Amended Consent Order Against Chesterfield State Bank
An amended consent order was issued against Chesterfield State Bank as part of enforcement actions.
- September 4, 2026Action neededlending
Rescission of 2022 Interagency Statement on Special Purpose Credit Programs
The OCC rescinded the 2022 Interagency Statement which had permitted certain special purpose credit programs under ECOA and Regulation B. This change clarifies that creditors must not discriminate based on prohibited bases and should not reference the rescinded statement.
- September 4, 2026Action neededmortgage
Final Rule on Unsafe or Unsound Practices
The new joint final rule, which defines unsafe or unsound practices and revises the issuance of Matters Requiring Attention (MRAs), was published by the OCC. This focuses on measurable financial risks rather than nonfinancial issues.