Regulatory Compliance Calendar

Upcoming Events

Comment Period: Request for Information on Annual Consumer Trust in Banking Survey

October 10, 2023

AGENCY: Office of the Comptroller of the Currency (OCC), Treasury. ACTION: Request for information and comment. SUMMARY: The OCC is gathering information and comments to inform the development of an annual survey to understand consumer trust in banking and bank supervision that the agency plans to develop and implement, as discussed in the OCC’s Strategic…

Comment Period: Electronic Submission of Certain Materials Under the Securities Exchange Act of 1934; Amendments Regarding the FOCUS Report

May 22, 2023

AGENCY: Securities and Exchange Commission. ACTION: Proposed rule. SUMMARY: The Securities and Exchange Commission (“Commission” or “SEC”) is proposing to require electronic filing or submission of certain forms and other filings or submissions that are required to be filed with or submitted to the Commission under the Securities Exchange Act of 1934 (“Exchange Act”) and…

Effective Date: Shortening the Securities Transaction Settlement Cycle

May 05, 2023

AGENCY: Securities and Exchange Commission. ACTION: Final rule. SUMMARY: The Securities and Exchange Commission (“Commission”) is adopting rule amendments to shorten the standard settlement cycle for most broker-dealer transactions from two business days after the trade date (“T+2”) to one business day after the trade date (“T+1”). In addition, the Commission is adopting new rules…

Effective Date: Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)

August 29, 2023

AGENCY: Consumer Financial Protection Bureau. ACTION: Final rule. SUMMARY: The Consumer Financial Protection Bureau (CFPB or Bureau) is amending Regulation B to implement changes to the Equal Credit Opportunity Act (ECOA) made by section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). Consistent with section 1071, covered financial institutions are…

Effective Date: Interagency Guidance on Third-Party Relationships: Risk Management

June 06, 2023

AGENCY: The Board of Governors of the Federal Reserve System (Board), the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC), Treasury. ACTION: Final interagency guidance. SUMMARY: The Board, FDIC, and OCC (collectively, the agencies) are issuing final guidance on managing risks associated with third-party relationships. The final guidance…

Effective Date: Consumer Financial Protection Circular 2023-02

May 10, 2023

Consumer Financial Protection Circular 2023-02 Reopening deposit accounts that consumers previously closed May 10, 2023 Question presented After consumers have closed deposit accounts, if a financial institution unilaterally reopens those accounts to process a debit (i.e, withdrawal, ACH transaction, check) or deposit, can it constitute an unfair act or practice under the Consumer Financial Protection…

Effective Date: Economic Growth Regulatory Relief and Consumer Protection Act: Implementation of National Standards for the Physical Inspection of Real Estate (NSPIRE)

July 01, 2023

AGENCY: Office of the Assistant Secretary for Housing—Federal Housing Commissioner, Office of the Assistant Secretary for Community Planning and Development, Office of the Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development (HUD). ACTION: Final rule. SUMMARY: This final rule establishes a new approach to defining and assessing housing quality:…

Effective Date: Regulation A: Extensions of Credit by Federal Reserve Banks

May 11, 2023

AGENCY: Board of Governors of the Federal Reserve System. ACTION: Final rule. SUMMARY: The Board of Governors of the Federal Reserve System (“Board”) has adopted final amendments to its Regulation A to reflect the Board’s approval of an increase in the rate for primary credit at each Federal Reserve Bank. The secondary credit rate at…

Effective Date: Regulation D: Reserve Requirements of Depository Institutions

May 11, 2023

AGENCY: Board of Governors of the Federal Reserve System. ACTION: Final rule. SUMMARY: The Board of Governors of the Federal Reserve System (“Board”) has adopted final amendments to its Regulation D to revise the rate of interest paid on balances (“IORB”) maintained at Federal Reserve Banks by or on behalf of eligible institutions. The final…

Comment Period: ACH RISK MANAGEMENT PROPOSALS 2023

June 16, 2023

ACH RISK MANAGEMENT PROPOSALS 2023 Request for Comment Proposed Modifications to the Rules May 2, 2023 https://www.nacha.org/system/files/2023-05/Proposed%20Modifications%20to%20the%20Rules.pdf

Live Trust for CA Membership Demo 12-26-2023

December 26, 2023

Join us for a live demonstration of the benefits of membership with Trust for Compliance Alliance. This interactive virtual tour will provide an in-depth look at our tools for Trust as well as an overview of all of C/A’s additional services. This meeting is presented by our Membership team, and will last about an hour….

Live Mortgage for CA Membership Demo 01-18-2024

January 18, 2024

Join us for a live demonstration of the benefits of membership with Mortgage for Compliance Alliance. This interactive virtual tour will provide an in-depth look at our tools for Mortgage as well as an overview of all of C/A’s additional services. This meeting is presented by our Membership team, and will last about an hour….