Upcoming Events
Comment Period: Rule Concerning the Use of Prenotification Negative Option Plans
April 13, 2026
AGENCY: Federal Trade Commission. ACTION: Advance notice of proposed rulemaking; request for public comment. SUMMARY: The FTC is seeking public comment on the need for amendments to the Commission’s “Rule Concerning the Use of Prenotification Negative Option Plans” (i.e.,“Negative Option Rule”) to help consumers avoid recurring payments for products and services they did not intend…
Comment Period: Trump Accounts Notice of Proposed Rulemaking
May 08, 2026
AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of proposed rulemaking. SUMMARY: This issuance contains proposed regulations relating to Trump accounts. The proposed regulations provide guidance on making an election to open a Trump account and reserve additional sections for further guidance on Trump accounts. The proposed regulations would affect children eligible to have a…
Comment Period: GENIUS ACT- 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 Office of the Comptroller of the Currency
May 01, 2026
AGENCY: Office of the Comptroller of the Currency, Treasury. ACTION: Notice of proposed rulemaking. SUMMARY: The proposed rule addresses all of the regulations the OCC is required to promulgate under the GENIUS Act other than those related to the Bank Secrecy Act, anti-money laundering, and Office of Foreign Assets Control sanctions, which will be addressed…
Comment Period: Prohibition on Use of Reputation Risk or Other Supervisory Tools To Encourage or Compel Banking Organizations To Engage in Politicized or Unlawful Discrimination
April 27, 2026
AGENCY: Board of Governors of the Federal Reserve System. ACTION: Notice of proposed rulemaking. SUMMARY: Following earlier actions to remove reputation risk from its supervision of banks, the Federal Reserve Board has requested comment on a proposal to codify that removal. The proposal reiterates the Board’s policy against penalizing or prohibiting an institution from banking…
Effective Date: Community Bank Licensing Amendments: Final Rule
April 03, 2026
AGENCY: Office of the Comptroller of the Currency, Treasury. ACTION: Final rule. SUMMARY: The OCC has issued a final rule to amend its regulations to simplify licensing requirements for corporate activities and transactions involving national banks and federal savings associations that have less than $30 billion in total assets and satisfy certain conditions. DATES: The…
Effective Date: Rescission of 12 CFR 27, ‘Fair Housing Home Loan Data System’
April 03, 2026
AGENCY: Office of the Comptroller of the Currency, Treasury. ACTION: Final rule. SUMMARY: The OCC is rescinding its Fair Housing Home Loan Data System regulation.The OCC has determined that part 27 is obsolete because it is largely duplicative of and inconsistent with revisions to other legal authorities that require national banks to collect and retain…
Effective Date: National Bank Chartering
April 01, 2026
AGENCY: Office of the Comptroller of the Currency, Treasury. ACTION: Final rule. SUMMARY: The final rule amends the OCC’s chartering regulation at 12 CFR 5.20 to align with the OCC’s statutory authorization to charter national banks limited to the operations of a trust company and activities related thereto; and change references from “fiduciary activities” to…
Cryptocurrency: Regulatory Updates
April 23, 2026
Building on the March webinar looking at legislation relevant to cryptocurrency, this webinar will turn to the current state of regulations and regulatory guidance. We will review the proposed rules for implementing the GENIUS Act, current regulatory guidance on cryptocurrency from FinCEN and the prudential regulators, and briefly touch on other issues, such as state…
Comment Period: Agency Information Collection Activities: Comment Request
March 02, 2026
AGENCY: Consumer Financial Protection Bureau. ACTION: Notice and request for comment. SUMMARY: In accordance with the Paperwork Reduction Act, the CFPB requests the Office of Management and Budget’s (OMB’s) extension of an information collection titled “Consumer Response Intake Form.” DATES: Written comments are encouraged and must be received on or before March 2, 2026 to…
Comment Period: Bank Appeals Process
April 20, 2026
AGENCY: Office of the Comptroller of the Currency, Treasury. ACTION: Notice of proposed rulemaking. SUMMARY: The OCC is issuing a notice of proposed rulemaking to establish revised procedures and policies for appeals of material supervisory determinations by OCC supervised entities. The proposed changes would reflect the OCC’s experience administering the bank appeals process and are…
Effective Date: Revision of the Negative Option Rule, Withdrawal of the CARS Rule, Removal of the Non-Compete Rule To Conform These Rules to Federal Court Decisions
February 12, 2026
AGENCY: Federal Trade Commission. ACTION: Final rule. SUMMARY: First, the Commission is revising its recently amended “Negative Option Rule” to recodify the text as it existed before the 2024 final rule amending it. Second, the Commission is withdrawing its “CARS Rule.” Third, the Commission is removing its “Non-Compete Rule” from the Code of Federal Regulations….
Effective Date: Repeal of Fair Lending, Fair Housing, and Equitable Housing Finance Plans
March 09, 2026
AGENCY: Federal Housing Finance Agency. ACTION: Final rule; repeal of 12 CFR part 1293. SUMMARY: In the final rule, FHFA concludes that part 1293 was not legally required and was unnecessary to carry out the regulated entities’ public purposes. The Agency further determined that the rule could be “inconsistent with certain Administration policies and priorities,”…
Effective Date: FDIC Official Signs, Advertisement of Membership, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC’s Name or Logo
April 01, 2027
AGENCY: Federal Deposit Insurance Corporation. ACTION: Final rule. SUMMARY: The final rule will give FIs flexibility in the color, font, and text size that may be used when displaying the FDIC official digital sign. The intent is to streamline the signage requirements for digital deposit taking channels and as such it will be required on…
Effective Date: Delaying the Effective Date of the Anti-Money Laundering/Countering the Financing of Terrorism Program and Suspicious Activity Report Filing Requirements for Registered Investment Advisers and Exempt Reporting Advisers
January 01, 2028
AGENCY: Financial Crimes Enforcement Network (FinCEN), Treasury. ACTION: Final rule. SUMMARY: FinCEN is amending the Anti-Money Laundering/Countering the Financing of Terrorism (AML/CFT) Program and Suspicious Activity Report (SAR) Filing Requirements for Registered Investment Advisers and Exempt Reporting Advisers (IA AML Rule) to delay the effective date by two years. As part of this delay, FinCEN…
Comment Period: HUD’s Implementation of the Fair Housing Act’s Disparate Impact Standard
February 13, 2026
AGENCY: Office of the Assistant Secretary for Fair Housing and Equal Opportunity, Department of Housing and Urban Development (HUD). ACTION: Proposed rule. SUMMARY: The Fair Housing Act prohibits discrimination in the sale, rental, or financing of dwellings and in other housing-related activities. Since 2013, HUD has issued three final rules for determining whether a given…
Comment Period: National Bank Chartering
February 11, 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 issuing a notice of proposed rulemaking to clarify the longstanding authority of national banks limited to the operations of trust companies and activities related thereto to engage in non-fiduciary activities…
Comment Period: Car Loan Interest Deduction
February 02, 2026
AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of proposed rulemaking and notice of public hearing. SUMMARY: The IRS has proposed the rule regarding car interest deductions for personal use vehicles for loans after 12/31/2024 until 1/1/2029, for purchased new made in America. Financial institutions would be required to furnish a written statement to the…
Comment Period: Unsafe or Unsound Practices, Matters Requiring Attention
December 29, 2025
AGENCY: Office of the Comptroller of the Currency, Treasury, and the Federal Deposit Insurance Corporation. ACTION: Notice of proposed rulemaking. SUMMARY: The proposed standard focuses on material harm to financial condition, and the agencies generally interpret harm to refer to financial losses. To qualify as an unsafe or unsound practice under the proposed definition, it…
Comment Period: Prohibition on Use of Reputation Risk by Regulators
December 29, 2025
AGENCY: Office of the Comptroller of the Currency, Treasury, and Federal Deposit Insurance Corporation. ACTION: Notice of proposed rulemaking. SUMMARY: The agencies believe that banking regulators’ use of the concept of reputation risk as a basis for supervisory criticisms increases subjectivity in banking supervision without adding material value from a safety and soundness perspective. Although…
Comment Period: Rescission of 12 CFR 27, ‘Fair Housing Home Loan Data System’ System
December 18, 2025
AGENCY: Office of the Comptroller of the Currency, Treasury. ACTION: Notice of proposed rulemaking. SUMMARY: Part 27 applies to national banks and their subsidiaries, but does not apply to federal savings associations. The OCC proposes to recind part 27 for national banks due to the ability to use other tools for identifying fair lending risks….
Comment Period: Rescission of OCC Guidelines Establishing Standards for Recovery Planning by Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches
December 18, 2025
AGENCY: Office of the Comptroller of the Currency (OCC), Treasury. ACTION: Notice of proposed rulemaking. SUMMARY: The OCC is proposing to amend 12 CFR part 30 by rescinding the Guidelines contained in appendix E. The Guidelines cause covered banks to direct significant resources towards developing responsive documentation. In the OCC’s experience, much of this documentation…
Comment Period: Equal Credit Opportunity Act (Regulation B)
December 15, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Proposed rule; request for public comment. SUMMARY: The CFPB has proposed a rule that would remove disparate impact from ECOA enforcement, refine the standard for discouraging prospective applicants, and impose new limits on special-purpose credit programs. As it relates to discouragement, the proposal would revise the standard so that…
Comment Period: Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)
December 15, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Proposed rule; request for public comment. SUMMARY: The Bureau is reconsidering coverage of certain credit transactions and financial institutions; the small business definition; inclusion of certain data points and how others are collected; and the compliance date. The CFPB believes these proposed changes would streamline the rule, reduce complexity…
Comment Period: GENIUS Act Implementation
November 04, 2025
AGENCY: Department of the Treasury. ACTION: Advance notice of proposed rulemaking; extension of comment period. SUMMARY: The Department of the Treasury (Treasury) is issuing this advance notice of proposed rulemaking (ANPRM) to solicit public comment on questions relating to the implementation of the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act. The GENIUS…
Comment Period: 2026-2028 Enterprise Housing Goals
November 03, 2025
AGENCY: Federal Housing Finance Agency (FHFA). ACTION: Proposed rule. SUMMARY: The Federal Housing Finance Agency (FHFA) is issuing a proposed rule and requesting comments on the housing goals for Fannie Mae and Freddie Mac (the Enterprises) for 2026 through 2028 as required by the Federal Housing Enterprises Financial Safety and Soundness Act of 1992. The…