Regulatory Updates
Updates the regulatory team is monitoring across the verticals we file in. Effective dates, severity, and impact in one feed.
On October 21, 2026, CSBS announced new requirements for licensees regarding updated disclosure questions and employment reporting for NMLS annual renewals. Licensees must be prepared to comply before renewal submissions.
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.
On October 8, 2026, North Dakota announced a multistate settlement with Coinme Inc. over BSA/AML violations.
Guidance issued on October 21, 2026, advising licensees to prepare for the NMLS annual renewal season starting November 1.
On October 15, 2026, FinCEN published an alert addressing the misuse of charity networks for money laundering.
On October 8, 2026, the FTC announced its settlement with Cleo AI, returning $15. 8 million to consumers.
This bulletin outlines revised reporting forms and instructions for permitted stablecoin issuers.
Bulletin 2026-51 provides guidance on waivers and application submissions related to the GENIUS Act.
The CSBS seeks input from mortgage loan originators regarding the national licensing test as part of an ongoing effort to improve licensing standards.
The OCC issued a final rule implementing the GENIUS Act, focusing primarily on payment stablecoin issuance and related activities. The rule incorporates several key regulatory components required for compliance.
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.
The OCC has set an emphasis on regulatory statements addressing fair access to banking services, released on October 14, 2026.
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.
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.
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.
The OCC assessed a $350 million civil money penalty against American Express for regulatory violations.
The OCC has introduced a notice of proposed rulemaking aimed at identifying key matters for institutions facing violations.
The OCC has proposed an interim final rule to increase eligibility for the 18-month examination cycle for small insured depository institutions and foreign banks' U. S.
FinCEN announced a monumental $1. 2 billion penalty against Bank of America for failing to mitigate key risks related to anti-money laundering compliance.
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.
The FDIC released proposed guidance to replace earlier third-party risk management guidelines.
The OCC announced a historic civil penalty against Bank of America for BSA/AML violations.
The FTC secured $15. 8 million in returns to consumers misled by Cleo AI regarding cash advance claims.
The CFPB's Debt Collection Rule (Regulation F) continues to govern debt collection practices across the country.
The OCC issued Bulletin 2026-49 revising the *Concentrations of Credit* Comptroller's Handbook booklet with updated guidelines for assessing credit concentration risks.
CSBS announced the formation of an advisory council to enhance dialogue with nonbank industry participants.
The CFPB adopted a final rule addressing small business lending under the Equal Credit Opportunity Act.
Notice of proposed rulemaking for amendments to Community Reinvestment Act regulations has been put forth.
FinCEN issued an alert regarding the A7 Network, emphasizing illicit finance risks associated with its operations.
OCC Bulletin 2026-49 updates supervisory handbook material on credit concentrations as part of OCC examination expectations for banks.
Regulation F governs debt collection practices, establishing clearer standards for behavior and communication.
A multistate enforcement action resulted in a $2. 5 million settlement with Coinme for BSA/AML violations.
OCC released Bulletin 2026-49, which updates the Comptroller's Handbook related to concentrations of credit and rescinds outdated guidance.
On October 8, 2026, a multistate settlement was reached with Coinme Inc. over alleged Bank Secrecy Act violations, resulting in a $2.
On October 1, 2026, the OCC released assessments of CRA performance for 13 national banks and federal savings associations.
On September 29, 2026, the OCC issued a statement regarding its feedback on the resolution plan submitted by American Express, addressing supervisory policy.
On September 28, 2026, Comptroller Gould delivered remarks at the Military Banking Summit discussing various issues related to banking services for military members.
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