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Net Interest Margins Bump Reg Burden as Top Community Bank Concern
October 7, 2025 / Source: CSBS
Washington, D.C. â Community bankers report net interest margins have overtaken regulatory burden as their top external risk in the 2025 CSBS Annual Survey of Community Banks. Now in its twelfth year, the annual survey gauges internal and external risks, competition, safety and soundness, and deposit insurance policy. This year, community bankers expressed that their internal concerns…
Agencies Issue Proposal to Prohibit Use of Reputation Risk by Regulators
October 7, 2025 / Source: FDIC
WASHINGTON â The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation (the agencies) today issued a joint notice of proposed rulemaking that would codify the elimination of reputation risk from their supervisory programs. The proposed rule would define âreputation riskâ and prohibit the agencies from criticizing or taking adverse action…
Agencies Issue Proposal to Focus Supervision on Material Financial Risks
October 7, 2025 / Source: FDIC
WASHINGTON â The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation (the agencies) today issued a joint notice of proposed rulemaking that would continue their effort to focus supervision on material financial risks. Among other things, the proposal would define the term âunsafe or unsound practiceâ for purposes of section 8…
Comptroller Issues Statement on Areas of Focus as FDIC Board Member
October 7, 2025 / Source: OCC
WASHINGTONâComptroller of the Currency Jonathan V. Gould issued the following statement today at the Federal Deposit Insurance Corporationâs (FDIC) board meeting about his areas of focus in his capacity as an FDIC board member: Thank you for the warm welcome to the FDIC board. I am very excited to work with Acting FDIC Chairman Hill…
Defining âUnsafe or Unsound Practiceâ and Revising the Framework for Issuing Matters Requiring Attention and Other Supervisory Communications:Â Interagency Notice of Proposed Rulemaking
October 7, 2025 / Source: OCC
The Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) (collectively, the agencies) are proposing to issue a joint notice of proposed rulemaking that would define the term âunsafe or unsound practiceâ for purposes of section 8 of the Federal Deposit Insurance Act (12 USC 1818) and revise the…
OCC Announces Actions to Reduce Regulatory Burden for Community Banks
October 6, 2025 / Source: OCC
WASHINGTONâThe Office of the Comptroller of the Currency (OCC) today announced guidance to banks and proposed rulemakings to reduce regulatory burden for community banks. These actions build upon the OCCâs continued efforts to tailor its regulatory and supervisory frameworks to minimize burden for its regulated institutions and promote economic growth. âCommunity banks have an outsized…
Treasury Sanctions Illicit Fentanyl Supply Network Supporting the Sinaloa Cartel
October 6, 2025 / Source: Treasury
WASHINGTON â Today, the U.S. Department of the Treasuryâs Office of Foreign Assets Control (OFAC) sanctioned eight Mexican individuals and 12 Mexico-based companies affiliated with the Sinaloa Cartelâs Los Chapitos faction. This network supplies illicit fentanyl precursor chemicals to the Sinaloa Cartel, a terrorist organization responsible for a significant portion of the deadly drugs trafficked into the…
FDIC Issues List of Banks Examined for CRA Compliance
October 5, 2025 / Source: FDIC
WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) today issued its list of state nonmember banks recently evaluated for compliance with the Community Reinvestment Act (CRA). The list covers evaluation ratings that the FDIC assigned to institutions in July 2025. The CRA is a 1977 law that requires the FDIC to assess a bankâs record of…
Community Banker Optimism Reaches New High
October 5, 2025 / Source: CSBS
Washington, D.C. â Community banker sentiment reached a peak in the third quarter results of the Conference of State Bank Supervisors (CSBS) Community Banking Sentiment Index (CBSI). The latest CBSI gained seven points from last quarter to 133 points, a record high since the surveyâs inception in 2019. The monetary policy indicator also reached an all-time high,…
Speech – Economic Outlook and the Fedâs Monetary Policy Framework
October 5, 2025 / Source: FRB
Thank you, Dean Madan. I appreciate the opportunity to speak here at Drexel University and to visit Philadelphia, an area where I have spent much of my personal and professional life.1 I will not go on too much about the City of Brotherly Love other than to say I am considering jogging up the steps of…
Small Business Lending Under the Equal Credit Opportunity Act (Regulation B); Extension of Compliance Dates
October 2, 2025 / Source: CFPB
AGENCY: Consumer Financial Protection Bureau. ACTION: Final rule. SUMMARY: The Consumer Financial Protection Bureau (CFPB or Bureau) is finalizing its June 18, 2025 interim final rule amending Regulation B to extend the compliance dates set forth in its 2023 small business lending rule, as amended by a 2024 interim final rule, and to make other…
Agencies Issue Reminder to Institutions on Lending When the National Flood Insurance Program Is Unavailable
October 1, 2025 / Source: FDIC
Federal financial institution regulatory agencies today remind lenders that they may continue to make loans that are subject to the federal flood insurance statutes when the National Flood Insurance Program is not available. During this period, lenders are allowed to make these loans without requiring federal flood insurance. As explained in the Interagency Questions and Answers…
Treasury Targets Iranian Weapons Procurement Networks Supporting Ballistic Missile and Military Aircraft Programs
October 1, 2025 / Source: Treasury
WASHINGTON â Today, the U.S. Department of the Treasuryâs Office of Foreign Assets Control (OFAC) is designating 21 entities and 17 individuals involved in networks that facilitate the acquisition of sensitive goods and technology for Iranâs Ministry of Defense and Armed Forces Logistics (MODAFL), as well as its missile and military aircraft production efforts. These networks…
OCC Releases CRA Performance Evaluations for Six National Banks and Federal Savings Associations
October 1, 2025 / Source: OCC
WASHINGTONâThe Office of the Comptroller of the Currency (OCC) today released a list of Community Reinvestment Act (CRA) performance evaluations that became public during the period of September 1, 2025, through September 30, 2025. Under the CRA, the OCC assesses an institutionâs record of meeting the credit needs of its entire community, including low- and…