Action requiredlicensing·Federal·Oct 22, 2026
CSBS NMLS Annual Renewal Guidance
Guidance issued on October 21, 2026, advising licensees to prepare for the NMLS annual renewal season starting November 1.
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.
- Action requiredlicensing·Federal·Oct 22, 2026
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.
- Action requiredlicensing·Federal·Oct 22, 2026
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.
- Action requiredlicensing·Federal·Oct 22, 2026
OCC Bulletin 2026-52: Revised Reporting Forms/Instructions for Permitted Payment Stablecoin Issuers
This bulletin outlines revised reporting forms and instructions for permitted stablecoin issuers.
- Action requiredlicensing·Federal·Oct 22, 2026
OCC Bulletin 2026-51: GENIUS Act: Waivers and Application Submission Guidance
Bulletin 2026-51 provides guidance on waivers and application submissions related to the GENIUS Act.
- Action requiredlicensing·Federal·Oct 19, 2026
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.
- Action requiredlicensing·Federal·Oct 19, 2026
Report on Debanking Practices by Large Banks
Released on October 14, 2026, the OCC's report examined debanking practices at the largest national banks. The report assesses how bank policies may have limited service access based on political or religious beliefs.
- Action requiredlicensing·Federal·Oct 19, 2026
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.
- Action requiredlicensing·Federal·Oct 19, 2026
$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.
- Action requiredlicensing·Federal·Oct 18, 2026
OCC Enforcement Action Against American Express
The OCC assessed a $350 million civil money penalty against American Express for regulatory violations.
- Action requiredlicensing·Federal·Oct 17, 2026
FinCEN Assesses $1.2 Billion Penalty against Bank of America
FinCEN announced a monumental $1. 2 billion penalty against Bank of America for failing to mitigate key risks related to anti-money laundering compliance.
- Action requiredlicensing·Federal·Oct 17, 2026
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.
- Action requiredlicensing·Federal·Oct 15, 2026
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.
- Action requiredlicensing·Federal·Oct 15, 2026
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.
- Action requiredlicensing·Federal·Oct 15, 2026
Consumer Financial Protection Bureau (CFPB) Debt Collection Framework
The CFPB's Debt Collection Rule (Regulation F) continues to govern debt collection practices across the country.
- Action requiredlicensing·Federal·Oct 13, 2026
CSBS Launches Nonbank Industry Advisory Council
CSBS announced the formation of an advisory council to enhance dialogue with nonbank industry participants.
- Action requiredlicensing·Federal·Oct 13, 2026
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.
- Action requiredlicensing·Federal·Oct 13, 2026
FinCEN Alert on the A7 Network
FinCEN issued an alert regarding the A7 Network, emphasizing illicit finance risks associated with its operations.
- Action requiredlicensing·Federal·Oct 13, 2026
Concentrations of Credit: Revised Comptroller's Handbook Booklet and Rescissions
OCC Bulletin 2026-49 updates supervisory handbook material on credit concentrations as part of OCC examination expectations for banks.
- Action requiredlicensing·Federal·Oct 12, 2026
Coinme Multistate Enforcement Settlement
A multistate enforcement action resulted in a $2. 5 million settlement with Coinme for BSA/AML violations.
- Action requiredlicensing·Federal·Oct 12, 2026
Concentrations of Credit Handbook Update
OCC released Bulletin 2026-49, which updates the Comptroller's Handbook related to concentrations of credit and rescinds outdated guidance.
- Action requiredlicensing·Federal·Oct 11, 2026
Multistate Settlement with Coinme Inc.
On October 8, 2026, a multistate settlement was reached with Coinme Inc. over alleged Bank Secrecy Act violations, resulting in a $2.
- Action requiredlicensing·Federal·Oct 11, 2026
October 2026 CRA Performance Evaluations Released
On October 1, 2026, the OCC released assessments of CRA performance for 13 national banks and federal savings associations.
- Action requiredlicensing·Federal·Oct 11, 2026
OCC Statement on Resolution Plan Feedback for American Express
On September 29, 2026, the OCC issued a statement regarding its feedback on the resolution plan submitted by American Express, addressing supervisory policy.
- Action requiredlicensing·Federal·Oct 11, 2026
Remarks by Comptroller Gould at Military Banking Summit
On September 28, 2026, Comptroller Gould delivered remarks at the Military Banking Summit discussing various issues related to banking services for military members.
- Action requiredlicensing·Federal·Oct 11, 2026
CFPB Support for National Strategy for Financial Literacy
On October 2, 2026, the CFPB released a press statement regarding its support for the National Strategy for Financial Literacy. This underscores the agency's commitment to enhancing consumer understanding of financial matters.
- Action requiredlicensing·Federal·Oct 10, 2026
OCC Bulletin 2026-49 on Concentrations of Credit
On September 30, 2026, OCC issued Bulletin 2026-49 regarding revised Comptroller's Handbook Booklet on Concentrations of Credit, addressing how banks identify and manage credit concentrations.
- Action requiredlicensing·Federal·Oct 10, 2026
CPFB Consumer Finance Rules Update
There were no new final rules or enforcement actions posted by the CFPB between September 26, 2026, and October 10, 2026. The last updates prior were from earlier in 2026.
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