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.
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 · 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 · 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 · 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 · 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 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 · 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 · Federal · Sep 26, 2026
OCC Bulletin 2026-48: Cybersecurity Supervision Work Program
The OCC released guidance to enhance cybersecurity supervision of banks and nonbanks.
- 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.
- Action required licensing · Federal · Sep 24, 2026
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.
- Action required licensing · Federal · Sep 24, 2026
Expanded Examination Cycle Eligibility (Interim Final Rule)
The OCC, Federal Reserve, and FDIC published an interim final rule expanding the eligibility for the 18-month on-site examination cycle. The asset threshold was raised from under $3 billion to under $6 billion for qualifying 1- and 2-rated national banks and federal savings associations.
- Action required licensing · Federal · Sep 23, 2026
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.
- Watch licensing · Federal · Sep 22, 2026
OCC Bulletin 2026-46: Proposed Guidance on Third-Party Risk Management
The OCC has proposed new guidance for aligning third-party risk management with the assessed risk level of each relationship.
- Action required licensing · Federal · Sep 22, 2026
OCC Bulletin 2026-45: Interim Final Rule on Examination Cycle
The OCC amended examination cycle eligibility, allowing qualifying banks with less than $6 billion in assets to have examinations every 18 months instead of 12 months.
- Action required licensing · Federal · Sep 22, 2026
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.
- Watch licensing · Federal · Sep 22, 2026
CFPB New Rules & Enforcement Actions
No new CFPB rules, proposed rules, or public enforcement actions were found between September 8 and September 22, 2026. The most recent items were from August 14, 2026.
- Action required licensing · Federal · Sep 21, 2026
September 2026 Enforcement Actions Announcement
The OCC released its September enforcement actions index confirming the month's activities.
- Action required licensing · Federal · Sep 21, 2026
CFPB Regulation F Framework Update
Regulation F remains the governing federal debt collection framework that implements the Fair Debt Collection Practices Act.
- Action required licensing · Federal · Sep 21, 2026
OCC Interagency Statement on Community Banks and Core Service Providers
The OCC and other agencies issued guidance regarding the supervisory treatment of community banks relying on core service providers.
- Action required licensing · Federal · Sep 21, 2026
Interim Final Rule Expanding 18-Month Exam Cycle Eligibility
The OCC has issued an interim final rule expanding the eligibility criteria for banks to qualify for an 18-month examination cycle.
- Action required licensing · Federal · Sep 21, 2026
Final Rule on BSA/AML and Customer Identification Program FAQs
The OCC, in collaboration with other agencies, issued FAQs clarifying how banks may use certain digital credentials to comply with the Customer Identification Program (CIP) rule.
- Action required licensing · Federal · Sep 20, 2026
NMLS September 2026 Release Overview
On September 19, 2026, NMLS posted an overview highlighting new features for managing licensing workflows and communications.
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