Upcoming Events
Comment Period: Merger Transactions
November 23, 2026
AGENCY: Federal Deposit Insurance Corporation. ACTION: Notice of proposed rulemaking. SUMMARY: The proposed rule would significantly modernize how bank mergers are reviewed under the Bank Merger Act by introducing clearer definitions, streamlined filing categories, and faster, more predictable processing timelines. The proposal reduces regulatory burden by creating de minimis transactions with deemed approval, expanding expedited…
Comment Period: State Bank Parity
November 23, 2026
AGENCY: Federal Deposit Insurance Corporation. ACTION: Notice of proposed rulemaking. SUMMARY: The proposed rule would give state chartered banks the same treatment as national banks when providing services outside their home state, ensuring that host state laws apply or don’t apply uniformly regardless of whether a state bank operates through a branch or digitally. The…
Comment Period: Agency Information Collection Activities: Proposed Collection Renewal; Comment Request
October 26, 2026
AGENCY: Federal Deposit Insurance Corporation (FDIC). ACTION: Notice and request for comment. SUMMARY: The FDIC, as part of its obligations under the Paperwork Reduction Act of 1995, invites the general public and other Federal agencies to take this opportunity to comment on the request to renew the existing information collections described below (OMB Control No….
Comment Period: Application Procedures for Board-Supervised Insured Depository Institutions Seeking Approval for a Subsidiary to Issue Payment Stablecoins
November 30, 2026
AGENCY: Board of Governors of the Federal Reserve System. ACTION: Notice of proposed rulemaking. SUMMARY: This NPRM would require FRB supervised payment stablecoin issuers to fully back their stablecoins with certain permissible reserve assets, such as short-term Treasury bills and certain other high-quality, liquid assets. The proposal would also establish standardized capital requirements to address…
Comment Period: Implementing the Federal Reserve Board’s Responsibilities under the GENIUS Act
November 30, 2026
AGENCY: Board of Governors of the Federal Reserve System. ACTION: Notice of proposed rulemaking. SUMMARY: This NPRM would establish a tailored application process for FRB supervised banks applying to issue payment stablecoins. These applicants would be required to submit a business plan and financial information, among other documents. The proposal would also create a process…
Effective Date: Expanded Examination Cycle for Certain Small Insured Depository Institutions and U.S. Branches and Agencies of Foreign Banks- OCC, FRB, and FDIC
September 14, 2026
AGENCY: Office of the Comptroller of the Currency (OCC), Treasury; Board of Governors of the Federal Reserve System (Board); and Federal Deposit Insurance Corporation (FDIC). ACTION: Joint interim final rule and request for comments. SUMMARY: The joint interim final rule issued by the OCC, FRB and FDIC expands eligibility for the 18 month safety and…
Comment Period: Proposal of Special Measure Regarding Banque Misr UAE as a Financial Institution Operating Outside of the United States of Primary Money Laundering Concern
October 01, 2026
AGENCY: Financial Crimes Enforcement Network (FinCEN), Treasury. ACTION: Notice of proposed rulemaking. SUMMARY: The NPRM would prohibit U.S. banks from maintaining correspondent accounts for Banque Misr UAE and require enhanced due diligence on foreign correspondent accounts to ensure they are not used to process transactions involving that institution DATES: Written comments on the notice of…
Effective Date: Car Loan Interest Deduction
November 09, 2026
AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Final regulations. SUMMARY: The IRs issued this final regulation allowing individuals to deduct up to $10,000 of interest on qualifying passenger vehicle loans for personal-use vehicles purchased after December 31, 2024. Banks that originate auto loans must comply with new mandatory interest reporting requirements beginning with calendar year…
Effective Date: Reciprocal Deposits: Implementing the 21st Century ROAD to Housing Act
September 01, 2026
AGENCY: Federal Deposit Insurance Corporation. ACTION: Interim final rule and request for comment. SUMMARY: The FDIC issued an Interim Final Rule to update brokered‑deposit regulations, so they align with statutory changes made by the 21st Century ROAD to Housing Act (effective July 11, 2026). The rule modernizes how reciprocal deposits are treated under Section 29…
Effective Date: Unsafe or Unsound Practices, Matters Requiring Attention
November 02, 2026
AGENCY: Office of the Comptroller of the Currency, Treasury, and the Federal Deposit Insurance Corporation. ACTION: Final rule. SUMMARY: The FDIC and OCC have finalized a rule that narrows, clarifies, and standardizes what counts as an “unsafe or unsound practice” and when examiners may issue an MRA. The intent is to focus supervision on material…
Effective Date: Beneficial Ownership Information Reporting Requirement Revision
August 14, 2026
AGENCY: Financial Crimes Enforcement Network (FinCEN), Treasury. ACTION: Final rule. SUMMARY: FinCEN is issuing this final rule to adopt as final and with certain limited changes the interim final rule issued on March 26, 2025, which narrowed BOI reporting requirements under FinCEN’s regulations implementing the CTA. In particular, this final rule not only continues to…
Effective Date: Reforms to 13 CFR 124.103 To Remove SBA’s 8(a) Program’s Rebuttable Presumption of Social Disadvantage for Individually Owned Firms Only. Reforms Do Not Impact Entity-Owned Firms
September 10, 2026
AGENCY: U.S. Small Business Administration. ACTION: Final rule. SUMMARY: SBA has removed race‑based presumptions from the 8(a) program and replaced them with a uniform, evidence‑based test for establishing social disadvantage. The affects only individually owned firms, and is not expected to materially impact SBA lending or federal contracting volumes. For banks, the rule may modestly…
Comment Period: Violations of Laws or Regulations
October 01, 2026
AGENCY: Office of the Comptroller of the Currency (OCC), Treasury. ACTION: Notice of proposed rulemaking. SUMMARY: The OCC has issued a NPRM that would significantly refine how examiners classify and respond to violations of laws and regulations, with direct implications for how banks experience supervision. The proposal introduces a clearer framework that distinguishes between substantive…
Comment Period: Guidance on Eligible Investments for Trump Accounts
October 20, 2026
AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of proposed rulemaking. SUMMARY: The IRS issued proposed regulations would provide guidance regarding eligible investments, which are the only assets in which Trump account funds may be invested before the first day of the calendar year in which the account beneficiary attains age 18. The proposed regulations…
Comment Period: GENIUS Act Regulations on Payment Stablecoin Issuance, Offer, and Sale
October 19, 2026
AGENCY: Department of the Treasury. ACTION: Notice of proposed rulemaking (NPRM). SUMMARY: The U.S. Treasury has issued a NPRM to implement Section 3 of the GENIUS Act, establishing a federal framework governing the issuance, offer, and sale of payment stablecoins in the United States. The proposal aims to create a uniform, enforceable structure for stablecoin…
Comment Period: Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks; Bank Holding Companies
October 05, 2026
AGENCY: Board of Governors of the Federal Reserve System (Board). ACTION: Notice of proposed rulemaking with request for public comment. SUMMARY: The proposed amendments would update and modernize the regulation, increase transparency by clarifying requirements and incorporating existing interpretations, and promote efficiency by reducing regulatory burden. The proposed amendments also would incorporate existing statutory requirements…
Comment Period: Extensions of Credit to Insiders
October 05, 2026
AGENCY: Federal Deposit Insurance Corporation. ACTION: Notice of proposed rulemaking. SUMMARY: The Federal Deposit Insurance Corporation (FDIC) is proposing to increase quantitative thresholds for certain extensions of credit to insiders of FDIC-supervised institutions, as restricted by the Federal Reserve Act and regulations promulgated thereunder. Specifically, the proposal would increase the thresholds for certain extensions of…
Comment Period: Regulatory Modernization and Relief for Mutual Holding Companies
October 05, 2026
AGENCY: Board of Governors of the Federal Reserve System (Board). ACTION: Notice of proposed rulemaking. SUMMARY: The Board invites comment on a notice of proposed rulemaking (proposal) to modernize the regulatory framework applicable to mutual holding companies (MHCs), primarily through proposed revisions to Regulation MM (12 CFR part 239), which governs the formation, operations, activities,…
Comment Period: OCC Rules Regarding the Availability of OCC Information
October 05, 2026
AGENCY: Office of the Comptroller of the Currency, Treasury. ACTION: Notice of proposed rulemaking. SUMMARY: The Office of the Comptroller of the Currency (OCC) is proposing changes to its rules on information disclosure. The proposal would clarify the process for obtaining OCC approval to disclose non-public OCC information and allow for the disclosure of confidential…
Comment Period: HUD’s Implementation of the Fair Housing Act’s Disparate Impact Standard; Amendments to HUD’s Title VI Regulations
October 09, 2026
AGENCY: Office of the Assistant Secretary for Fair Housing and Equal Opportunity, Department of Housing and Urban Development (HUD). ACTION: Supplemental notice of proposed rulemaking. SUMMARY: HUD published a notice of proposed rulemaking in January of 2026 that proposed to remove HUD’s disparate-impact regulations and leave interpretation of disparate-impact liability under the Fair Housing Act…
Comment Period: Agency Information Collection Activities: Proposed Information Collection; Comment Request; Applications for Licensing or Registration To Issue Payment Stablecoins Under the GENIUS Act
September 25, 2026
AGENCY: Office of the Comptroller of the Currency (OCC), Treasury. ACTION: Notice and request for comment. SUMMARY: The OCC is proposing a new information collection to comply with the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act or the Act) requirement for entities seeking to issue payment stablecoins in the United States….
Comment Period: Proposed Amendment to the Definition of Huione Group, a Financial Institution Operating Outside the United States of Primary Money Laundering Concern; Extension of Comment Period
August 02, 2026
AGENCY: Financial Crimes Enforcement Network (FinCEN), Treasury. ACTION: Notice of proposed rulemaking; extension of comment period. SUMMARY: FinCEN is extending the comment period for the referenced notice of proposed rulemaking (NPRM) it published to amend the existing definition of Huione Group to include, within the definition of that group, H-Pay Service PLC, and adding and…
Comment Period: Reporting Forms and Instructions Associated With Requirements and Standards for FDIC-Supervised Permitted Payment Stablecoin Issuers
September 18, 2026
AGENCY: Federal Deposit Insurance Corporation (FDIC). ACTION: Notice and request for comment. SUMMARY: As part of the notice of proposed rulemaking, the FDIC sought a new OMB control number for a new information collection that would include weekly and quarterly reporting forms that must be completed by permitted payment stablecoin issuers. DATES: Comments must be…
Effective Date: Updating Website and Contact Information, and Authorizations for Payments for Legal Services
July 27, 2026
AGENCY: Office of Foreign Assets Control, Treasury. ACTION: Final rule. SUMMARY: The Department of the Treasury’s Office of Foreign Assets Control (OFAC) is adopting a final rule to update website and contact information in certain parts of the Code of Federal Regulations (CFR). Additionally, OFAC is amending one CFR Part to update general licenses authorizing…
Wealth Management & Trust Compliance Conference
October 21 - October 22, 2026
Join Texas Bankers Association and Compliance Alliance: These battle-tested practitioners will cut through the noise and chart what’s next for your institution when it comes to trust and wealth management—emerging trends, examiner expectations, and real-world playbooks you can deploy. The webinar will start daily at 7:00 AM Pacific / 8:00 AM Mountain / 9:00 AM Central…