Upcoming Events
Personal Financial Data Rights Reconsideration
October 21, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Advance notice of proposed rulemaking. SUMMARY: The Consumer Financial Protection Bureau (CFPB or Bureau) is seeking comments and data to inform its consideration of four issues related to implementation of section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). These issues are: the proper…
Modernizing Payments To and From America’s Bank Account
September 30, 2025
By the authority vested in me as President by the Constitution and the laws of the United States of America, it is hereby ordered: Section 1. Purpose. The continued use of paper-based payments by the Federal Government, including checks and money orders, flowing into and out of the United States General Fund, which might be thought…
Hot Topics for 2026
December 18, 2025
Description: Join us for a hopeful and elucidating look ahead to 2026! We’ll wrap up 2025 (what a year!), then dive into an ocean of anticipated supervisory expectations, rulemaking, and legislation for 2026. Key Takeaways: People Who Should Attend: Consumer lending staff including mortgage loan originators, loan processors, department managers, and compliance and audit personnel.  The…
December 2025 Compliance Huddle
December 10, 2025
Every month, Compliance Alliance gathers bankers from our community nationwide and engages them to an open discussion about the issues that their organizations are navigating. We invite our members to share their concerns and experiences with input and guidance from the compliance professionals who host the event. Ways to Participate: Carol Ann Warren, JD, MBAAssistant Vice President…
B2B: HELOCs
December 02, 2025
Description: This B2B Webinar will review the Regulation Z compliance requirements for Home Equity Lines of Credit (“HELOCs”). We will discuss the requirements for documentation and disclosures, as well as a few exemptions, advertising considerations, common pitfalls, and frequently asked questions. This Back2Basics webinar may serve as a refresher for individuals who may be recently getting…
Reg Z & Credit Cards
November 20, 2025
Description: This one-hour webinar will cover credit card rules under Regulation Z. Information presented will include account opening disclosures, periodic statements, changes in terms, special credit card provisions, billing error resolution, and marketing to college students. Key Takeaways: People Who Should Attend: Lending staff, compliance officers, and bank audit personnel  The webinar will start at 12:30…
November 2025 Compliance Huddle
November 12, 2025
Every month, Compliance Alliance gathers bankers from our community nationwide and engages them to an open discussion about the issues that their organizations are navigating. We invite our members to share their concerns and experiences with input and guidance from the compliance professionals who host the event. Ways to Participate: Carol Ann Warren, JD, MBAAssistant Vice President…
Risky Business: Building an Effective TPRM Program
October 23, 2025
Description:Â This training webinar will focus on Third Party Risk Management programs. We will walk through the life cycle of a third-party relationships as outlined the interagency guidance related to Third Party Risk Management. In view of the growing use of artificial intelligence (AI), we will discuss AI considerations within TPRM. Lastly, we will discuss how…
October 2025 Compliance Huddle
October 15, 2025
Every month, Compliance Alliance gathers bankers from our community nationwide and engages them to an open discussion about the issues that their organizations are navigating. We invite our members to share their concerns and experiences with input and guidance from the compliance professionals who host the event. Ways to Participate: Carol Ann Warren, JD, MBAAssistant Vice President…
B2B: HSA/IRA
October 07, 2025
Description: In this Back to Basics webinar, we will be discussing Health Savings Accounts (“HSAs”) and Individual Retirement Accounts (“IRAs”). We will look at how banks should handle these types of accounts. This webinar will focus on the compliance requirements these niche but lucrative products, as well as the interesting interplay between how bank rules…
Effective Date: Truth in Lending (Regulation Z); Consumer Credit Offered to Borrowers in Advance of Expected Receipt of Compensation for Work
January 15, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Advisory opinion rescinding previous advisory opinion. SUMMARY: The Consumer Financial Protection Bureau (CFPB) is issuing this advisory opinion to rescind an advisory opinion it issued in November 2020 that described how one particular type of “earned wage” product does not involve the offering or extension of “credit” as that…
Effective Date: Rules of Practice and Procedure; Civil Money Penalty Inflation Adjustment
January 16, 2025
AGENCY: Federal Housing Finance Agency. ACTION: Final rule. SUMMARY: The Federal Housing Finance Agency (FHFA) is adopting this final rule amending its Rules of Practice and Procedure and other agency regulations to adjust each civil money penalty within its jurisdiction to account for inflation, pursuant to the Federal Civil Penalties Inflation Adjustment Act of 1990,…
Effective Date: Adjustments to Civil Penalty Amounts
January 17, 2025
AGENCY: Federal Trade Commission. ACTION: Final rule. SUMMARY: The Federal Trade Commission (“FTC” or “Commission”) is implementing adjustments to the civil penalty amounts within its jurisdiction to account for inflation, as required by law. DATES: Effective January 17, 2025.
Effective Date: Financial Crimes Enforcement Network; Inflation Adjustment of Civil Monetary Penalties
January 17, 2025
AGENCY: Financial Crimes Enforcement Network (FinCEN), Treasury. ACTION: Final rule. SUMMARY: FinCEN is publishing this final rule to reflect inflation adjustments to its civil monetary penalties as mandated by the Federal Civil Penalties Inflation Adjustment Act of 1990, as amended. This rule adjusts certain maximum civil monetary penalties within the jurisdiction of FinCEN to the…
Effective Date: Pausing Foreign Corrupt Practices Act Enforcement To Further American Economic and National Security
February 14, 2025
By the authority vested in me as President by the Constitution and the laws of the United States of America, it is hereby ordered: Section 1 . Purpose and Policy. Since its enactment in 1977, the Foreign Corrupt Practices Act (15 U.S.C. 78dd-1 et seq.) (FCPA) has been systematically, and to a steadily increasing degree,…
Effective Date: Manufactured Home Construction and Safety Standards; Postponing Effective Date
September 15, 2025
AGENCY: Office of the Assistant Secretary for Housing—Federal Housing Commissioner, Department of Housing and Urban Development (HUD). ACTION: Final rule; delay of effective date. SUMMARY: On September 16, 2024, HUD published the “Manufactured Home Construction and Safety Standards” final rule (MHCSS 4th and 5th Sets) in the Federal Register . The MHCSS 4th and 5th…
Effective Date: Affirmatively Furthering Fair Housing Revisions
April 02, 2025
AGENCY: Office of the Secretary, U.S. Department of Housing and Urban Development (HUD). ACTION: Interim final rule; request for comments. SUMMARY: This interim final rule revises HUD’s regulation governing the Fair Housing Act’s mandate that the Secretary administer HUD’s program and activities in a manner that affirmatively furthers fair housing. This interim final rule returns…
Effective Date: Issuance of a Geographic Targeting Order Imposing Additional Recordkeeping and Reporting Requirements on Certain Money Services Businesses Along the Southwest Border
April 14, 2025
AGENCY: Financial Crimes Enforcement Network (FinCEN), Treasury. ACTION: Order. SUMMARY: FinCEN is issuing notice of a Geographic Targeting Order, requiring certain money services businesses along the southwest border of the United States to report and retain records of transactions in currency of more than $200 but not more than $10,000, and to verify the identity…
Effective Date: Reporting, Procedures and Penalties
March 12, 2025
AGENCY: Office of Foreign Assets Control, Treasury. ACTION: Interim final rule; request for comments. SUMMARY: The Department of the Treasury’s Office of Foreign Assets Control (OFAC) is issuing this interim final rule to amend the Reporting, Procedures and Penalties Regulations (the “Regulations”), extending recordkeeping requirements for certain transactions from five to 10 years, consistent with…
Effective Date: Beneficial Ownership Information Reporting Requirement Revision and Deadline Extension
March 26, 2025
AGENCY: Financial Crimes Enforcement Network (FinCEN), Treasury. ACTION: Interim final rule; request for comments. SUMMARY: FinCEN is adopting this interim final rule to narrow the existing beneficial ownership information (BOI) reporting requirements under the Corporate Transparency Act (CTA) to require only entities previously defined as “foreign reporting companies” to report BOI. Under this interim final…
Effective Date: Temporary Exceptions to FIRREA Appraisal Requirements in Los Angeles County as Affected by California Wildfires and Straight-Line Winds
April 18, 2025
AGENCY: Office of the Comptroller of the Currency (OCC), Treasury; Board of Governors of the Federal Reserve System (Board); Federal Deposit Insurance Corporation (FDIC); and National Credit Union Administration (NCUA), collectively referred to as the agencies. ACTION: Statement and order; temporary exceptions. SUMMARY: The Depository Institutions Disaster Relief Act of 1992 (DIDRA) authorizes the agencies…
Effective Date: Children’s Online Privacy Protection Rule
June 23, 2025
AGENCY: Federal Trade Commission. ACTION: Final rule amendments. SUMMARY: The Federal Trade Commission amends the Children’s Online Privacy Protection Rule (the “Rule”), consistent with the requirements of the Children’s Online Privacy Protection Act. The amendments to the Rule, which are based on the FTC’s review of public comments and its enforcement experience, include one new…
Effective Date: Restoring Equality of Opportunity and Meritocracy
April 28, 2025
By the authority vested in me as President by the Constitution and the laws of the United States of America, it is hereby ordered: Section 1 . Purpose. A bedrock principle of the United States is that all citizens are treated equally under the law. This principle guarantees equality of opportunity, not equal outcomes. It…
Effective Date: Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal
May 12, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Withdrawal of Bureau guidance, interpretive rules, policy statements, and advisory opinions. SUMMARY: The Consumer Financial Protection Bureau (CFPB or Bureau) is withdrawing many guidance documents issued since the CFPB assumed its functions in 2011. DATES: The withdrawals are applicable as of May 12, 2025.
Comment Period: Business Combinations Under the Bank Merger Act; Rescission
June 16, 2025
AGENCY: Office of the Comptroller of the Currency (OCC), Treasury. ACTION: Interim final rule. SUMMARY: The OCC is adopting an interim final rule to restore the streamlined application and expedited review to its procedures for reviewing applications under the Bank Merger Act and rescinding a policy statement that summarized the OCC’s review of proposed bank…