Upcoming Events
Effective Date: Implementing the Guiding and Establishing National Innovation for U.S. Stablecoins Act for the Issuance of Stablecoins by Entities Subject to the Jurisdiction of the OCC
January 18, 2027
AGENCY: Office of the Comptroller of the Currency, Treasury. ACTION: Final rule. SUMMARY: The OCC’s final rule implements the GENIUS Act by establishing regulatory standards for OCC supervised entities that issue payment stablecoins, including requirements for reserves, liquidity, capital, redemption practices, risk management, and oversight. The rule is intended to support the safe and sound…
Effective Date: Enhancing the Ability of Consumers To Control the Robocalls
November 25, 2026
AGENCY: Federal Communications Commission. ACTION: Final rule. SUMMARY: The FCC issued this Order and NPRM seeking to update the TCPA robocall consent rules to give consumers clearer ways to revoke consent, while preserving their ability to receive desired informational communications, such as fraud alerts and account notifications. Most notably for financial institutions, the NPRM suggests…
Comment Period: Request for Comment on Model Changes for the Board’s 2027 Supervisory Stress Test
December 01, 2026
AGENCY: Board of Governors of the Federal Reserve System. ACTION: Notice, request for comment. SUMMARY: This notice will likely not have an impact on member banks due to the reporting requirements apply primarily to the largest banking organizations with $100 billion or more in consolidated assets. However, the proposal is noteworthy because it reflects the…
Comment Period: Agency Information Collection Activities: Information Collection Renewal; Comment Request; Community Reinvestment Act Qualifying Activity Confirmation Request Form
December 07, 2026
AGENCY: Office of the Comptroller of the Currency (OCC), Treasury. ACTION: Notice and request for comment. SUMMARY: The OCC is soliciting comment concerning the renewal of its information collection titled, “Community Reinvestment Act Qualifying Activity Confirmation Request Form.” Banks that use the CRA qualifying activity confirmation process may continue to submit requests to obtain regulatory…
Effective Date: Enhanced Transparency and Public Accountability of the Supervisory Stress Test Models and Scenarios; Modifications to the Capital Planning and Stress Capital Buffer Requirement Rule, Enhanced Prudential Standards Rule, and Regulation LL
November 02, 2026
AGENCY: Board of Governors of the Federal Reserve System (Board). ACTION: Final rule; amendments to policy statements. SUMMARY: This rule is primarily a large-bank regulatory change that is focused on the Federal Reserve’s stress testing and capital planning framework. It does not create new requirements for most community banks, but it reflects ongoing regulatory efforts…
Effective Date: Modifications to the Capital Plan Rule and Stress Capital Buffer Requirement
December 01, 2026
AGENCY: Board of Governors of the Federal Reserve System (Board). ACTION: Final rule. SUMMARY: This FRB final rule is designed to make stress capital requirements more predictable by averaging stress test results across two years, giving affected large banking organizations more stability for capital planning and compliance. While most community banks are not subject to…
Effective Date: Forms and Procedures for Review of State Certifications by the Stablecoin Certification Review Committee
September 30, 2026
AGENCY: Department of the Treasury. ACTION: Interim final rule; request for comments. SUMMARY: This interim final rule establishes the process by which state regulators may seek federal approval to supervise certain payment stablecoin issuers under the GENIUS Act. The interim final rule creates standardized certification and annual recertification requirements that states must submit to demonstrate…
Effective Date: Regulation D: Reserve Requirements of Depository Institutions
September 30, 2026
AGENCY: Board of Governors of the Federal Reserve System. ACTION: Final rule. SUMMARY: The Federal Reserve amended Regulation D to increase the Interest on Reserve Balances (IORB) by 0.25 percentage points. The IORB rate is the interest paid on balances that eligible institutions maintain at Federal Reserve Banks. DATES: Effective date: This rule (amendments to…
Effective Date: Regulation A: Extensions of Credit by Federal Reserve Banks
September 30, 2026
AGENCY: Board of Governors of the Federal Reserve System. ACTION: Final rule. SUMMARY: The FRB adopted final amendments to Regulation A, which governs how the FRB banks lend money to banks through the discount window, to reflect increases in the Federal Reserve’s discount window lending rates. These changes became effective September 30, 2026, and the…
Effective Date: Trump Accounts
September 30, 2026
AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Temporary regulations. SUMMARY: These temporary regulations issued by the IRS outlines that Trump accounts are designed for eligible individuals under age 18 and generally operate as a specialized form of traditional IRA during a defined “growth period.” The temporary regulation provides detailed requirements for account establishment, trustee responsibilities,…
Effective Date: Removing Duplicative Penalties Information and Reorganizing Certain Parts
September 30, 2026
AGENCY: Office of Foreign Assets Control, Treasury. ACTION: Final rule. SUMMARY: Within this final rule, OFAC has consolidated sanctions penalty provisions that were previously repeated across numerous sanctions programs into a single regulation, 31 CFR Part 505 (Sanctions Penalties Regulations. The rule removes duplicative penalty language from individual sanctions regulations and, instead, directs users to…
Effective Date: Sanctions Penalties Regulations
September 25, 2026
AGENCY: Office of Foreign Assets Control, Treasury. ACTION: Final rule. SUMMARY: OFAC issued a final rule establishing new Sanctions Penalties Regulations (31 CFR Part 505), effective September 25, 2026. The rule does not create new sanctions requirements or increase penalties; rather, it consolidates existing sanctions enforcement and penalty provisions from multiple OFAC programs into a…
Comment Period: Rule on Impersonation of Government and Businesses
November 30, 2026
AGENCY: Federal Trade Commission. ACTION: Advance notice of proposed rulemaking (“ANPRM”); request for public comment. SUMMARY: The FTC’s ANPRM seeks comments on expanding protections against government and business impersonation scams, particularly those facilitated through search engines, social media platforms, and other digital marketplaces. The FTC notes that impersonation scams remain one of the most common…
Comment Period: Proposal of Special Measure Prohibiting the Transmittal of Funds Regarding Transactions Involving the A7 Network’s Sub-Agents
November 04, 2026
AGENCY: Financial Crimes Enforcement Network (FinCEN), Treasury. ACTION: Notice of proposed rulemaking. SUMMARY: FinCEN has issued this NPRM which would prohibit U.S. financial institutions from processing certain fund transfers involving companies identified as sub-agents of the A7 Network, a Russia-linked sanctions evasion and money laundering network. FinCEN has determined that transactions involving these sub-agents constitute…
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…