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Homebuying Advances into New Era of Credit Score Competition
April 22, 2026 / Source: FHFA
Federal Housing Administration joins Fannie and Freddie in implementing VantageScore 4.0 and FICO 10T 04/22/2026 Washington, D.C. — Today the U.S. government is ushering in a new era of competition in our nation’s mortgage market. In a joint announcement, HUD Secretary Scott Turner and FHFA Director William J. Pulte announced that the Federal Housing Administration and Fannie…
Final Rule: Equal Credit Opportunity Act (Regulation B)
April 22, 2026 / Source: Consumer Financial Protection Bureau
The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing a final rule that amends provisions related to disparate impact, discouragement of applicants or prospective applicants, and special purpose credit programs under Regulation B, the regulation implementing the Equal Credit Opportunity Act (ECOA or Act). The amendments facilitate compliance with ECOA by clarifying the obligations…
SEC and CFTC Jointly Propose Amendments to Reduce Private Fund Reporting Burdens
April 20, 2026 / Source: SEC
For Immediate Release 2026-40 Washington D.C., April 20, 2026 — The Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC) jointly proposed amendments to reduce private fund reporting burdens while enabling the continued collection of necessary and appropriate information. The agencies proposed to amend Form PF, the confidential reporting form for certain…
FDIC Hosts: Money Smart Moves: Banker-Led Strategies for Financial Education and Well‑Being
April 20, 2026 / Source: FDIC
Event Date Wednesday, April 22, 2026, 1–2 p.m. ET Location Virtual The FDIC will host this event in recognition of National Financial Literacy Month by highlighting how bankers use the FDIC Money Smart curricula to strengthen financial knowledge in their communities. Learn practical approaches to outreach, tools that build financial confidence, and ways to partner…
OCC Issues Updated Model Risk Management Guidance
April 19, 2026 / Source: OCC
News Release 2026-29|April 17, 2026 WASHINGTON—The Office of the Comptroller of the Currency (OCC) today, in coordination with the Board of Governors of the Federal Reserve System (Federal Reserve Board) and the Federal Deposit Insurance Corporation (FDIC), issued updated model risk management guidance for OCC-supervised institutions. These actions build upon the OCC’s ongoing efforts to tailor…
IRS issues Whistleblower Alert, expands efforts to uncover fraud
April 19, 2026 / Source: IRS
IR-2026-54, April 17, 2026 WASHINGTON — The Internal Revenue Service today issued a Whistleblower Alert highlighting an area of concern about misuse, diversion or fraudulent use of federal funds by tax-exempt organizations, individuals and businesses, and urged the public to provide information. “Whistleblower Alerts are a new way for the IRS to spotlight high-risk areas and reach people…
Mortgage Rates Continue to Decline
April 16, 2026 / Source: Freddie Mac
MCLEAN, Va., April 16, 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 6.30%. “Mortgage rates declined this week to a four-week low of 6.30%,” said Sam Khater, Freddie Mac’s Chief Economist. “Compared to one year ago when rates were at 6.83%,…
Imposition of Special Measure Prohibiting Certain Transmittals of Funds Involving CIBanco S.A., Institución de Banca Multiple; Amendment
April 15, 2026 / Source: FinCEN
ACTION: Order; amendment of order.SUMMARY: FinCEN is issuing notice of an order amending its June 2025 order finding thatCIBanco S.A., Institución de Banca Multiple (CIBanco), is a financial institution operatingoutside of the United States that is of primary money laundering concern in connection withillicit opioid trafficking and imposing a special measure prohibiting certain transmittals of…
FinCEN’s Rapid Response Program Interdicts Nearly $2 Billion on Behalf of U.S. Cyber-Enabled Fraud Victims
April 15, 2026 / Source: FinCEN
Immediate Release April 15, 2026 WASHINGTON—Since President Trump resumed office, the Financial Crimes Enforcement Network’s (FinCEN) Rapid Response Program (RRP) has facilitated the interdiction of over $268 million in stolen funds on behalf of U.S. victims, bringing the total to more than $1.8 billion since the program’s inception. The RRP is a partnership between FinCEN,…
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…