Upcoming Events
B2B: UDAAP
September 09, 2025
Description: Whether you’re new to compliance or need a timely refresher, this webinar offers a practical reexamination of the core principles behind Unfair, Deceptive, or Abusive Acts or Practices (UDAAP). We’ll start with a clear breakdown of what each element of the UDAAP framework means and how they differ, not just in theory, but in…
TRID Line by Line Refresh – Part 1
August 21, 2025
Description: This webinar will go through a TRID loan estimate line by line. The training may be watched in conjunction with or separately from the TRID Line by Line Refresh – Part 2 (covering the closing disclosure). This training will dive deeply into pitfalls, considerations, and guidance on the technical aspects of completing a loan estimate….
August 2025 Compliance Huddle
August 13, 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: ATR/QM Rule Qualified & Quantified
November 04, 2025
Description: This Back 2 Basics webinar will review the requirements of the Ability-to-Pay and Qualified Mortgage rules, how they may affect your bank’s mortgage lending, and how to comply with them. We will review the scope of the rule, General and Seasoned Qualified Mortgages, higher-priced covered transactions, the rules surrounding the calculation of repayment ability, requirements…
CRA-sh Course: Back to The Past
July 24, 2025
Description: Following the Federal Banking Agencies’ March announcement that they intend to rescind the 2023 Community Reinvestment Act (CRA) Final Rule, there is understandably much confusion. Join us as we navigate the key compliance requirements, challenges, and FAQs. Key Takeaways: People Who Should Attend: Because the CRA rules affect the bank’s business plans and…
July 2025 Compliance Huddle
July 16, 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: Military Lending & Servicemember Protections: Navigating the MLA and SCRA
July 08, 2025
Description: This webinar will serve as an overview and explore the key requirements under the Military Lending Act (MLA) and the Servicemembers Civil Relief Act (SCRA) – including when each law applies, what protections are triggered, and how to distinguish between them. We’ll also unpack recent regulatory updates and enforcement actions under both laws, and…
Bank Supervision: Removing References to Reputation Risk
March 20, 2025
Summary The Office of the Comptroller of the Currency (OCC) has commenced removing references to banks’1 reputation risk from its Comptroller’s Handbook booklets and guidance issuances. Concurrently, the OCC has instructed its examiners that they should no longer examine for reputation risk. Note for Community Banks The OCC’s discontinuation of examining for reputation risk applies to community banks….
Rescinding Multiple Appraisal Policy Related Mortgagee Letters
March 19, 2025
Programs Rescinding Multiple Appraisal Policy Related Mortgagee Letters This Mortgagee Letter (ML) rescinds Federal Housing Administration (FHA) Single Family Housing policy changes issued in ML 2024-07, Appraisal Review and Reconsideration of Value Updates, ML 2024-16, Extension to the Effective Date of Appraisal Review and Reconsideration of Value (ROV) Updates, and ML 2021-27, Appraisal Fair Housing…
Unsafe and Unsound Banking Practices: Brokered Deposits Restrictions; Guidelines Establishing Standards for Corporate Governance and Risk Management for Covered Institutions With Total Consolidated Assets of $10 Billion or More; Regulations Implementing the Change in Bank Control Act; Withdrawal
March 14, 2025
AGENCY: Federal Deposit Insurance Corporation. ACTION: Proposed rule; withdrawal. SUMMARY: The Federal Deposit Insurance Corporation (FDIC) is withdrawing notices of proposed rulemaking relating to brokered deposit restrictions, corporate governance and risk management, and the Change in Bank Control Act. If the FDIC decides to pursue future regulatory action in any of these areas, it will…
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…
Statement of Policy on Bank Merger Transactions
April 10, 2025
AGENCY: Federal Deposit Insurance Corporation (FDIC). ACTION: Proposed rescission and reinstatement of statement of policy; request for comment. SUMMARY: The FDIC is requesting public comment on a proposal to rescind the Statement of Policy on Bank Merger Transactions published in 2024 and reinstate its prior Statement of Policy on Bank Merger Transactions. The FDIC expects…
FDIC Official Signs and Advertising Requirements, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC’s Name or Logo
March 01, 2026
AGENCY: Federal Deposit Insurance Corporation (FDIC). ACTION: Final rule; delay of compliance date. SUMMARY: On December 20, 2023, the FDIC adopted a final rule that, among other things, amended the FDIC’s sign and advertisement of membership requirements for insured depository institutions (IDIs). The amendments made by the final rule took effect on April 1, 2024;…
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…
Request for Information Regarding the Collection, Use, and Monetization of Consumer Payment and Other Personal Financial Data
April 11, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Notice and request for information. SUMMARY: The Consumer Financial Protection Bureau (CFPB) is seeking comments from the public to better understand how companies that offer or provide consumer financial products or services collect, use, share, and protect consumers’ personal financial data, such as data harvested from consumer payments. The…
Notice of Inflation Adjustments for Civil Money Penalties
January 15, 2025
AGENCY: Federal Deposit Insurance Corporation. ACTION: Notice of monetary penalties for 2025. SUMMARY: The Federal Deposit Insurance Corporation is providing notice of its maximum civil money penalties as adjusted for inflation. DATES: The adjusted maximum amounts of civil money penalties in this notice are applicable to penalties assessed after January 15, 2025, for conduct occurring…
Request for Information Regarding the Collection, Use, and Monetization of Consumer Payment and Other Personal Financial Data
April 11, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Notice and request for information. SUMMARY: The Consumer Financial Protection Bureau (CFPB) is seeking comments from the public to better understand how companies that offer or provide consumer financial products or services collect, use, share, and protect consumers’ personal financial data, such as data harvested from consumer payments. The…
Civil Penalty Inflation Adjustments
January 15, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Final rule. SUMMARY: The Consumer Financial Protection Bureau (CFPB) is adjusting for inflation the maximum amount of each civil penalty within the CFPB’s jurisdiction. These adjustments are required by the Federal Civil Penalties Inflation Adjustment Act of 1990 (Inflation Adjustment Act), as amended by the Debt Collection Improvement Act…
Community Reinvestment Act Regulations Asset-Size Thresholds
January 01, 2025
AGENCY: Board of Governors of the Federal Reserve System (Board); Federal Deposit Insurance Corporation (FDIC). ACTION: Announcement of 2025 asset-size thresholds. SUMMARY: Under their Community Reinvestment Act (CRA) regulations, the Board and the FDIC (collectively, the Agencies) annually adjust the asset-size thresholds used to define “small bank” and “intermediate small bank.” As required by the…
Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold
January 01, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Final rule; official interpretation. SUMMARY: The Consumer Financial Protection Bureau (CFPB) is amending official commentary interpreting requirements of the CFPB’s Regulation C to reflect the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the average of the Consumer Price Index…
Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold
January 01, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Final rule; official interpretation. SUMMARY: The Consumer Financial Protection Bureau (CFPB) is amending the official commentary to its Regulation Z in order to make annual adjustments to the asset-size thresholds exempting certain creditors from the requirement to establish an escrow account for a higher-priced mortgage loan (HPML). The exemption…
Overdraft Lending: Very Large Financial Institutions
October 01, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Final rule; official interpretation. SUMMARY: The Consumer Financial Protection Bureau (CFPB) amends Regulations E and Z to update regulatory exceptions for overdraft credit provided by very large financial institutions, thereby ensuring that these extensions of overdraft credit adhere to consumer protections required of similarly situated products, unless the overdraft…
Telemarketing Sales Rule
January 09, 2025
AGENCY: Federal Trade Commission. ACTION: Final rule. SUMMARY: The Federal Trade Commission (“FTC” or “Commission”) adopts amendments to the Telemarketing Sales Rule (“TSR” or “Rule”) that extend the Rule’s applicability to inbound telemarketing calls in response to an advertisement through any medium or direct mail solicitation in which technical support products or services are offered…
Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt
January 02, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Advisory opinion; revision of date of applicability. SUMMARY: The Consumer Financial Protection Bureau (CFPB) is revising the date of applicability of the advisory opinion entitled “Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt” to January 2, 2025. DATES: This advisory opinion is applicable as of…
Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications
January 09, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Final rule. SUMMARY: The Consumer Financial Protection Bureau (CFPB) issues this rule to define larger participants of a market for general-use digital consumer payment applications. Larger participants of this market will be subject to the CFPB’s supervisory authority under the Consumer Financial Protection Act (CFPA). A nonbank covered person…