Regulatory Updates
Updates the regulatory team is monitoring across the verticals we file in. Effective dates, severity, and impact in one feed.
The OCC, alongside other agencies, is requesting comments on proposed third-party risk management guidance intended to tailor risk management practices to the specific risk profiles of third-party relationships.
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.
On August 2026, the FTC announced it stopped a large credit-repair scheme that used deceptive marketing tactics.
The OCC issued an interim final rule on September 10, 2026, expanding eligibility for longer examination cycles for certain institutions.
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.
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.
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.
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.
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.
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.
FTC sets the FY 2027 National Do Not Call Registry access fees for telemarketers, effective October 1, 2026.
CSBS reported on the enactment of the Money Transmission Modernization Act in 31 states, which streamlines money transmitter licensing.
FinCEN reissued a Geographic Targeting Order that mandates enhanced reporting for cash transactions at MSBs along the southwest border.
FinCEN issued an alert about the rise of digital asset investment scams and urged financial institutions to enhance monitoring.
The OCC published its CRA evaluation schedule for the next two quarters, providing banks with essential planning information.
The OCC proposed a rule categorizing substantive and technical violations in relation to MRAs for banks.
A joint statement regarding SAR confidentiality was issued on September 2, 2026 by FinCEN and other agencies.
During the period from August 23 to September 6, 2026, no new CFPB enforcement actions or rules were issued.
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.
The OCC proposed a rule distinguishing between substantive and technical violations for issuing MRAs, limiting MRAs only to substantive violations.
The OCC released revised internal supervisory procedures manuals for bank enforcement actions and MRAs, aligning with the recent final rule.
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.
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.
Phase 3 of NMLS modernization was deployed, focusing on state agency task management and enhanced communication for licensing processes.
The FTC is seeking public comment on an enforcement policy statement regarding personalized pricing, which affects advertising and pricing disclosures.
The OCC issued a notice of proposed rulemaking to refine the issuance of Matters Requiring Attention (MRAs) based on violations of laws and regulations.
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