Upcoming Events
Federal Reserve Bank Capital Stock
December 12, 2024
AGENCIES: Board of Governors of the Federal Reserve System. ACTION: Final rule. SUMMARY: The Board of Governors (Board) is publishing a final rule that applies an inflation adjustment to the threshold for total consolidated assets in Regulation I. Federal Reserve Bank (Reserve Bank) stockholders that have total consolidated assets above the threshold receive a different…
OCC Guidelines Establishing Standards for Recovery Planning by Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches
January 01, 2025
AGENCY: Office of the Comptroller of the Currency, Treasury. ACTION: Final guidelines. SUMMARY: The Office of the Comptroller of the Currency is amending its enforceable recovery planning guidelines to apply them to insured national banks, insured Federal savings associations, and insured Federal branches of foreign banks with average total consolidated assets of $100 billion or…
National Flood Insurance Program Installment Payment Plan
December 31, 2024
AGENCY: Federal Emergency Management Agency, Department of Homeland Security (DHS). ACTION: Final rule. SUMMARY: The National Flood Insurance Program (NFIP) is a voluntary program in which interested persons can purchase flood insurance for their property, if it is located in a community that participates in the NFIP by adopting and enforcing a set of minimum…
Required Rulemaking on Personal Financial Data Rights
January 17, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Final rule. SUMMARY: The Consumer Financial Protection Bureau (CFPB) is issuing a final rule to carry out the personal financial data rights established by the Consumer Financial Protection Act of 2010 (CFPA). The final rule requires banks, credit unions, and other financial service providers to make consumers’ data available…
Update to the Public Utility Exemption Under the Beneficial Ownership Information Reporting Rule Effective Date: Negative Option Rule
October 18, 2024
AGENCY: Financial Crimes Enforcement Network (FinCEN), Treasury. ACTION: Final rule. SUMMARY: FinCEN is publishing this final rule to clarify an exemption under the beneficial ownership information reporting rule that FinCEN published on September 30, 2022. This rule modifies the language exempting certain public utilities from the definition of “reporting company” in the beneficial ownership information…
Effective Date: Negative Option Rule
January 14, 2025
AGENCY: Federal Trade Commission. ACTION: Final rule. SUMMARY: The Federal Trade Commission (“FTC” or “Commission”) issues final amendments to the Commission’s trade regulation “Rule Concerning Use of Prenotification Negative Option Plans,” retitled the “Rule Concerning Recurring Subscriptions and Other Negative Option Programs” (“Rule,” “final Rule” or “Negative Option Rule”). The final Rule now applies to…
Fair Credit Reporting Act (Regulation V); Identity Theft and Coerced Debt; Extension of Comment Period
April 07, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Advance notice of proposed rulemaking; extension of comment period. SUMMARY: On December 13, 2024, the Consumer Financial Protection Bureau (CFPB) published in the Federal Register an Advance Notice of Proposed Rulemaking (ANPR) seeking information in advance of preparing a proposed rule to address concerns related to information furnished to…
Protecting Americans From Harmful Data Broker Practices (Regulation V); Extension of Comment Period
May 27, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Proposed rule; extension of comment period. SUMMARY: On December 13, 2024, the Consumer Financial Protection Bureau (CFPB) published in the Federal Register a notice of proposed rulemaking (NPRM) requesting comment on the CFPB’s proposal to amend Regulation V, which implements the Fair Credit Reporting Act (FCRA). The proposed rule…
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…
Proposed Flood Hazard Determinations
May 27, 2025
AGENCY: Federal Emergency Management Agency, Department of Homeland Security. ACTION: Notice. SUMMARY: Comments are requested on proposed flood hazard determinations, which may include additions or modifications of any Base Flood Elevation (BFE), base flood depth, Special Flood Hazard Area (SFHA) boundary or zone designation, or regulatory floodway on the Flood Insurance Rate Maps (FIRMs), and…
Agency Information Collection Activities: Information Collection Renewal; Comment Request; Minimum Security Devices and Procedures, Reports of Suspicious Activities, and Bank Secrecy Act Compliance Program
April 21, 2025
AGENCY: Office of the Comptroller of the Currency (OCC), Treasury. ACTION: Notice and request for comment. SUMMARY: The OCC, as part of its continuing effort to reduce paperwork and respondent burden, invites comment on a continuing information collection, as required by the Paperwork Reduction Act of 1995 (PRA). In accordance with the requirements of the…
Electronic Fund Transfers Through Accounts Established Primarily for Personal, Family, or Household Purposes Using Emerging Payment Mechanisms
March 31, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Notice of proposed interpretive rule; request for comment. SUMMARY: In light of interest by electronic fund transfer system market participants to offer new types of products to transfer funds and make purchases through accounts established primarily for personal, family, or household purposes, the Consumer Financial Protection Bureau (CFPB) is…
Prohibited Terms and Conditions in Agreements for Consumer Financial Products or Services (Regulation AA)
April 01, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Proposed rule; request for comment. SUMMARY: The Consumer Financial Protection Bureau (CFPB) is proposing to prohibit certain contractual provisions in agreements for consumer financial products or services. The proposal would prohibit covered persons from including in their contracts any provisions purporting to waive substantive consumer legal rights and protections…
Fair Credit Reporting Act (Regulation V); Identity Theft and Coerced Debt
March 07, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Advance notice of proposed rulemaking. SUMMARY: The Consumer Financial Protection Bureau (CFPB) is seeking information in advance of preparing a proposed rule to address concerns related to information furnished to credit bureaus and other consumer reporting agencies concerning coerced debt. More specifically, this advance notice of proposed rulemaking solicits…
Protecting Americans From Harmful Data Broker Practices (Regulation V)
March 03, 2025
AGENCY: Consumer Financial Protection Bureau. ACTION: Proposed rule; request for public comment. SUMMARY: The Consumer Financial Protection Bureau (CFPB) is issuing a proposed rule for public comment to amend Regulation V, which implements the Fair Credit Reporting Act (FCRA). The proposed rule would implement the FCRA’s definitions of consumer report and consumer reporting agency as…
Bank Secrecy Act Advisory Group; Solicitation of Application for Membership Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996 Bank Secrecy Act Advisory Group; Solicitation of Application for Membership
March 11, 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). ACTION: Regulatory review; request for comments. SUMMARY: Pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996 (EGRPRA), the OCC, Board, and FDIC (collectively, the agencies) are reviewing agency…
Bank Secrecy Act Advisory Group; Solicitation of Application for Membership
January 06, 2025
AGENCY: Financial Crimes Enforcement Network (FinCEN), Treasury. ACTION: Notice and request for nominations. SUMMARY: FinCEN is inviting the public to nominate financial institutions, trade groups, and non-Federal regulators or law enforcement agencies for membership in the Bank Secrecy Act Advisory Group. New members will be selected for three-year membership terms. DATES: Nominations must be received…
Appraisal Subcommittee Enforcement Authority Regarding the Effectiveness of State Appraiser and Appraisal Management Company Regulatory Programs
February 04, 2025
AGENCY: Appraisal Subcommittee, Federal Financial Institutions Examination Council. ACTION: Notice of proposed rulemaking. SUMMARY: The Appraisal Subcommittee (ASC) of the Federal Financial Institutions Examination Council invites comment on a proposed rule to implement a framework to govern the ASC’s enforcement authority regarding the effectiveness of Appraiser and Appraisal Management Company (AMC) Programs overseen by State…
Recordkeeping for Custodial Accounts; Extension of Comment Period
January 16, 2025
AGENCY: Federal Deposit Insurance Corporation (FDIC). ACTION: Notice of proposed rulemaking; extension of comment period. SUMMARY: On October 2, 2024, the FDIC published in the Federal Register a proposed rule that would strengthen FDIC-insured depository institutions’ (IDI) recordkeeping for custodial deposit accounts with transactional features and preserve beneficial owners’ and depositors’ entitlement to the protections…
Federal Home Loan Bank System Boards of Directors and Executive Management
February 03, 2025
AGENCY: Federal Housing Finance Agency. ACTION: Notice of proposed rulemaking. SUMMARY: The Federal Housing Finance Agency (FHFA or the Agency) is proposing to revise regulations addressing boards of directors and overall corporate governance of the Federal Home Loan Banks (Banks) and the Bank System’s Office of Finance (OF) to update and clarify regulatory requirements on…
Agency Information Collection Activities; Proposed Collection; Comment Request; Real Estate Reports
January 13, 2025
AGENCY: Financial Crimes Enforcement Network (FinCEN), Treasury. ACTION: Notice and request for comments. SUMMARY: FinCEN invites all interested parties to comment on the proposed information collection associated with the requirement to report information about certain residential real estate transfers, as required by the Anti-Money Laundering Regulations for Residential Real Estate Transfers final rule published on…
Artificial Intelligence
June 26, 2025
Description: In this webinar, we will highlight key considerations for addressing the bank’s exposure to AI and AI’s influence on operations. We will thoroughly review the potential compliance concerns that may arise with different uses of artificial intelligence. Key Takeaways: People Who Should Attend: Compliance officers/staff, internal audit, employees involved in change management, employees researching…
June 2025 Compliance Huddle
June 18, 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: FCRA & Reg V
June 03, 2025
Description: In this B2B webinar, we will be going over the Fair Credit Reporting Act and its implementing Regulation V. We will review permissible purpose, disputes, and notification requirements under the FCRA, look at Reg V requirements surrounding the use of credit reports for risk-based pricing and marketing, and cover some of the most frequently…
FDIC Signage
May 22, 2025
Description: Confused by the FDIC’s Part 328 Final Rule? Nervous about the looming compliance date? Join us for the FDIC signage webinar! We will discuss the new rules, the new sign, and how it all applies to the bank. This webinar will review the requirements related to ATMs, websites, advertising, third parties, and more. We…