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Rising to the Challenge of First-party Fraud
April 14, 2026 / Source: Nacha
Nacha’s Risk Management Advisory Group (RMAG), Rules and Operations Committee, and the First-Party Fraud Workgroup are looking at ways to better identify and mitigate first-party fraud. The first steps are education and raising awareness of the problem. We have issued a series of articles describing first-party fraud and addressing actions for both ODFIs and RDFIs. Nacha’s workgroups…
Principals of U.S., European Banking Union, and U.K. Financial Authorities To Meet for Regular Coordination Exercise on Cross-Border Resolution Planning
April 14, 2026 / Source: FDIC
April 14, 2026 WASHINGTON – The heads of resolution and regulatory authorities, central banks, and finance ministries of the United States, the European Banking Union, and the United Kingdom are among leaders that will participate in a Trilateral Principal Level Exercise (TPLE) on Saturday, April 18, 2026. The meeting is the latest in a series…
GENIUS Act Requirements and Standards for FDIC-Supervised Permitted Payment Stablecoin Issuers and Insured Depository Institutions
April 13, 2026 / Source: Federal Deposit Insurance Corporation
The Federal Deposit Insurance Corporation (FDIC) is soliciting comment on a proposal that would implement certain requirements pursuant to the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act) applicable to FDIC-supervised permitted payment stablecoin issuers and insured depository institutions, clarify deposit insurance coverage for deposits held as reserve assets for payment stablecoins,…
Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers Through the Fedwire Funds Service and the FedNow Service; Regulation J
April 13, 2026 / Source: Board of Governors of the Federal Reserve System (Board)
The Board is proposing amendments to subpart C of Regulation J (governing the FedNow® Service) to permit FedNow participants to use intermediaries, other than Reserve Banks, to send funds transfers through the FedNow Service. The Board believes this change could support private-sector cross-border payment solutions by allowing FedNow participants to leverage an intermediary (for example,…
Anti-Money Laundering and Countering the Financing of Terrorism Programs
April 13, 2026 / Source: Financial Crimes Enforcement Network (FinCEN)
Pursuant to the Department of the Treasury (Treasury) and FinCEN’s efforts to modernize the Bank Secrecy Act (BSA) and to implement provisions of the Anti-Money Laundering Act of 2020 (AML Act), FinCEN is proposing a rule to fundamentally reform the requirements for financial institutions’ anti-money laundering and countering the financing of terrorism (AML/CFT) programs. Among…
FDIC Rescinds Supervisory Guidance on Multiple Re-Presentment NSF Fees
April 12, 2026 / Source: FDIC
Examination Procedures and Manual Updates April 10, 2026 Summary: On June 16, 2023, the FDIC issued a Financial Institution Letter (FIL-32-2023) titled FDIC Clarifying Supervisory Approach Regarding Supervisory Guidance on Multiple Re-Presentment NSF Fees. This guidance described the FDIC’s supervisory approach relating to supervised institutions assessing multiple non-sufficient funds (NSF) fees arising from the re-presentment of…
Treasury Moves to Prevent Abuse of Community Development Financial Institutions (CDFI) Fund Programs
April 12, 2026 / Source: U.S. Department of the Treasury
April 9, 2026 WASHINGTON – The U.S. Department of the Treasury announced today that the CDFI Fund will issue rules concerning the treatment of CDFI Fund awards under the Personal Responsibility and Work Opportunity Reconciliation Act of 1996 (PRWORA). The rules are intended to ensure compliance with federal law and that taxpayer-funded federal public benefits are…
Stablecoins Are Moving Fast. ACH Is Keeping Them Grounded.
April 9, 2026 / Source: Nacha
Stablecoins are no longer a fringe experiment in digital finance; instead, they are rapidly becoming a practical bridge between blockchain innovation and traditional banking. As regulatory clarity improves and adoption accelerates, financial institutions face a critical question: How can stablecoins be safely, efficiently, and compliantly integrated into today’s payments ecosystem? Our new white paper, “ACH and…
Treasury Launches Cybersecurity Information Sharing Initiative for the Digital Asset Industry
April 9, 2026 / Source: U.S. Department of the Treasury
Press Releases April 9, 2026 WASHINGTON – Today, the U.S. Department of the Treasury’s Office of Cybersecurity and Critical Infrastructure Protection (OCCIP) announced a new initiative to strengthen cybersecurity across the digital asset industry. The initiative will provide timely, actionable cybersecurity information to eligible U.S. digital asset firms and industry organizations, helping them better identify,…
Effects of Stablecoin Yield Prohibition on Bank Lending
April 8, 2026 / Source: The White House
The White House April 8, 2026 Executive Summary The GENIUS Act, signed into law in July 2025, requires stablecoin issuers to maintain reserves backing outstanding stablecoins on at least a one-to-one basis. Reserves may only consist of certain specified assets, including US dollars, federal reserve notes, funds held at certain insured or regulated depository institutions,…
Treasury Proposes Rule to Implement the GENIUS Act’s Requirements to Counter Illicit Finance
April 8, 2026 / Source: FinCEN
Immediate Release April 08, 2026 Today, the U.S. Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) and the Office of Foreign Assets Control issued a joint proposed rule to implement provisions of the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act). The proposed rule, which implements the GENIUS Act’s anti-money laundering…
Federal Reserve Board invites public comment on proposal that would allow U.S. banks and credit unions to use intermediaries to transfer funds through the FedNow Service
April 8, 2026 / Source: The Federal Reserve
April 08, 2026 For release at 11:30 a.m. EDT The Federal Reserve Board on Wednesday invited public comment on a proposal that would allow U.S. banks and credit unions to use intermediaries to transfer funds through the FedNow Service. This additional flexibility would support new private sector use cases for the FedNow Service. For example,…
Community Bankers Remain Positive about Their Future Despite Concerns
April 8, 2026 / Source: CSBS
Press Releases Apr 7, 2026 Download PDF Share: Washington, D.C. – While community bankers remain optimistic about the future, their outlook on the impact of monetary policies and regulation is waning, according to the Conference of State Bank Supervisors’ (CSBS) most recent quarterly poll. The first quarter Community Banker Sentiment Index (CBSI) slipped one point to 131 from…
Agencies Issue Final Rule to Prohibit Use of Reputation Risk by Regulators
April 7, 2026 / Source: FDIC
Examination Procedures and Manual Updates Laws and Regulations Supervisory Guidance April 7, 2026 Summary: On April 7, 2026, the Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency (the agencies) jointly issued a final rule to codify the removal of reputation risk from their supervisory programs. Statement of Applicability: The contents of,…
Issuance of a new Anti-Money Laundering (AML)/Countering the Financing of Terrorism (CFT) Program Requirements Notice of Proposed Rulemaking
April 7, 2026 / Source: FDIC
Laws and Regulations April 7, 2026 Summary: On April 7, 2026, the FDIC Board of Directors approved the issuance of a new Notice of Proposed Rulemaking (NPR) and request for comment for the AML/CFT Program Requirements (PDF) to be issued jointly with the Office of the Comptroller of the Currency (OCC) and the National Credit Union Administration (NCUA) (collectively “the…
Notice of Proposed Rulemaking to Establish GENIUS Act Requirements and Standards for FDIC-Supervised Permitted Payment Stablecoin Issuers and Insured Depository Institutions
April 7, 2026 / Source: FDIC
Laws and Regulations April 7, 2026 Summary: On April 7, 2026, the FDIC Board of Directors approved a notice of proposed rulemaking that would implement the Guiding and Establishing National Innovation for U.S. Stablecoins Act by establishing requirements and standards applicable to FDIC-supervised permitted payment stablecoin issuers (PPSIs) and insured depository institutions (IDIs) that engage…
FinCEN Proposes Rule to Fundamentally Reform Financial Institution Programs Designed to Fight Illicit Finance
April 7, 2026 / Source: FinCEN
Immediate Release April 07, 2026 WASHINGTON—Today, the U.S. Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) issued a proposed rule intended to fundamentally reform financial institutions’ anti-money laundering and countering the financing of terrorism (AML/CFT) programs under the Bank Secrecy Act (BSA). The proposed rule supports Treasury’s efforts to modernize the U.S. AML/CFT regulatory…
Treasury, IRS provide guidance to States for nominating census tracts as qualified opportunity zones under the One, Big, Beautiful Bill
April 6, 2026 / Source: Internal Revenue Service
IR-2026-45, April 6, 2026 WASHINGTON — The Department of the Treasury and the Internal Revenue Service today issued guidance to the Chief Executive Officers of any State, the District of Columbia, and U.S. territories regarding the procedure for nominating population census tracts to be designated as qualified opportunity zones (QOZs) under the One, Big, Beautiful…
Treasury Department Designates BNY as Financial Agent to Support New Trump Accounts Program
April 6, 2026 / Source: US Department of the Treasury
April 6, 2026WASHINGTON, D.C. — The U.S. Department of the Treasury today announced that it has designated The Bank of New York Mellon Corporation (“BNY”) as a financial agent of the U.S. government to support implementation of the new Trump Accounts program. Under this designation, BNY will manage the initial accounts and help develop the…
Compliance Alliance’s New & Updated Tools
April 5, 2026
New: Updated Trust Tools: Note: Access to trust-related tools is subscription-specific; if you are interested in adding Trust tools to your subscription, please contact us for more information.
The 30-Year Fixed-Rate Mortgage Averages 6.46%
April 2, 2026 / Source: Freddie Mac
MCLEAN, Va., April 02, 2026 (GLOBE NEWSWIRE) — Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing the 30-year fixed-rate mortgage (FRM) averaged 6.46%. “The 30-year fixed-rate mortgage edged up, averaging 6.46% this week,” said Sam Khater, Freddie Mac’s Chief Economist. “With spring homebuying season in full swing, aspiring buyers should remember…
Consolidated Reports of Condition and Income for First Quarter 2026
April 2, 2026 / Source: Federal Deposit Insurance Corporation
Call Reports and Other FFIEC Related Forms and Reports April 2, 2026 This Financial Institution Letter and the attached Supplemental Instructions for the March 31, 2026, report date should be shared with the individual(s) responsible for preparing the Call Report at your institution. There are no new data items or revisions that take effect this quarter in…
Whistleblower Incentives and Protections
April 1, 2026 / Source: Financial Crimes Enforcement Network (FinCEN), Treasury
FinCEN is proposing a rule to establish a whistleblower program that offers incentives and protections to encourage individuals who have information about potential violations of the Bank Secrecy Act (BSA), International Emergency Economic Powers Act (IEEPA), Trading With the Enemy Act of 1917 (TWEA), and Foreign Narcotics Kingpin Designation Act (Kingpin Act) to voluntarily report…
Rescission of OCC Guidelines Establishing Standards for Recovery Planning by Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches
April 1, 2026 / Source: Office of the Comptroller of the Currency (OCC), Treasury.
The OCC is amending its regulations by rescinding “OCC Guidelines Establishing Standards for Recovery Planning by Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches.” This rule is effective May 1, 2026.
Treasury Seeks Public Comment on GENIUS Act Notice of Proposed Rulemaking Concerning State-Level Regulatory Regimes
April 1, 2026 / Source: U.S. Department of the Treasury
April 1, 2026 WASHINGTON – Today, the U.S. Department of the Treasury issued a notice of proposed rulemaking (NPRM) seeking public comment related to Treasury’s implementation of the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act. The NPRM is the first regulation Treasury has proposed to implement the GENIUS Act. Under the GENIUS Act,…