Action required licensing · Federal · Sep 13, 2026
No New FDIC Third-Party Risk Regulation
No new regulations or guidance on third-party risk were found from the FDIC for the period examined.
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 · Sep 13, 2026
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.
- Action required licensing · Federal · Sep 13, 2026
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.
- Action required licensing · Federal · Sep 12, 2026
Interim Final Rule Expanding 18-Month Exam Cycle Eligibility
The OCC issued an interim final rule that expands eligibility for the 18-month on-site examination cycle from institutions under $3 billion in assets to those under $6 billion, provided they meet certain criteria.
- Action required licensing · Federal · Sep 11, 2026
Credit Repair Scheme Enforcement by FTC
On August 2026, the FTC announced it stopped a large credit-repair scheme that used deceptive marketing tactics.
- Action required licensing · Federal · Sep 11, 2026
Expanded Examination Cycle Eligibility
The OCC issued an interim final rule on September 10, 2026, expanding eligibility for longer examination cycles for certain institutions.
- Action required licensing · Federal · Sep 11, 2026
BSA/AML FAQs on Digital Credentials
The OCC issued joint FAQs on September 8, 2026, regarding the use of state-issued mobile driver's licenses and digital verifiable credentials under the Customer Identification Program rule.
- Action required licensing · Federal · Sep 11, 2026
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.
- Action required licensing · Federal · Sep 11, 2026
CRA Evaluation Schedule Update
The OCC announced the Fourth Quarter 2026 and First Quarter 2027 CRA Evaluation Schedule on August 31, 2026. This update impacts the examination timing and supervisory expectations for covered institutions.
- Action required licensing · Federal · Sep 10, 2026
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.
- Action required licensing · Federal · Sep 9, 2026
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.
- Action required licensing · Federal · Sep 8, 2026
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.
- Action required licensing · Federal · Sep 7, 2026
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.
- Action required licensing · Federal · Sep 7, 2026
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.
- Action required licensing · Federal · Sep 7, 2026
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.
- Action required licensing · Federal · Sep 7, 2026
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.
- Action required licensing · Federal · Sep 6, 2026
Revision of SAR Confidentiality Guidance
A joint statement regarding SAR confidentiality was issued on September 2, 2026 by FinCEN and other agencies.
- Action required licensing · Federal · Sep 6, 2026
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.
- Action required licensing · Federal · Sep 5, 2026
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.
- Action required licensing · Federal · Sep 5, 2026
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.
- Action required licensing · Federal · Sep 5, 2026
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.
- Action required licensing · Federal · Sep 5, 2026
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.
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