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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,…
OCC Releases CRA Performance Evaluations for 18 National Banks and Federal Savings Associations
April 1, 2026 / Source: Office of the Comptroller of the Currency
News Release 2026-23|April 1, 2026 WASHINGTON—The 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 March 1, 2026, through March 31, 2026. Under the CRA, the OCC assesses an institution’s record of meeting the credit needs of its entire…
2025 HMDA Data on Mortgage Lending Now Available
March 31, 2026 / Source: Consumer Financial Protection Bureau (CFPB)
MAR 31, 2026 WASHINGTON, D.C. — The Home Mortgage Disclosure Act (HMDA) Modified Loan Application Register (LAR) data for 2025 are now available on the Federal Financial Institutions Examination Council’s (FFIEC) HMDA Platform for approximately 4,768 HMDA filers. The published data contain loan-level information filed by financial institutions and modified to protect consumer privacy. To increase…
OCC Reports Fourth Quarter 2025 Bank Trading Revenue
March 31, 2026 / Source: Office of the Comptroller of the Currency
News Release 2026-22|March 31, 2026 WASHINGTON—The Office of the Comptroller of the Currency (OCC) reported cumulative trading revenue of U.S. commercial banks and savings associations of $14.9 billion in the fourth quarter of 2025. The fourth quarter trading revenue was $2.9 billion, or 16.3 percent, less than in the previous quarter and $680 million, or 4.4…
OCC Guidelines Establishing Standards for Recovery Planning by Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches: Final Guidelines
March 31, 2026 / Source: Office of the Comptroller of the Currency
OCC Bulletin 2026-10|March 31, 2026 Summary The Office of the Comptroller of the Currency (OCC) is rescinding its guidelines establishing standards for recovery planning by certain large insured national banks, federal savings associations, and federal branches (recovery planning guidelines) at 12 CFR 30, appendix E. The final rule will be effective 30 days after publication in…
OCC Issues Final Rule to Rescind Recovery Planning Guidelines
March 31, 2026 / Source: Office of the Comptroller of the Currency
News Release 2026-21|March 31, 2026 WASHINGTON—The Office of the Comptroller of the Currency (OCC) today announced a final rule to rescind its recovery planning guidelines for certain large insured national banks, federal savings associations, and federal branches (banks). “Recovery planning guidelines that require large banks to engage in prescriptive planning activities do little to improve their…
FDIC Issues 2026 Consumer Compliance Supervisory Highlights
March 31, 2026 / Source: FDIC
Miscellaneous March 31, 2026 Summary: The FDIC’s Consumer Compliance Supervisory Highlights is an annual publication. Its purpose is to enhance transparency regarding the FDIC’s consumer compliance supervisory activities and provide a high-level overview of consumer compliance issues identified in 2025 through the FDIC’s supervision of state non-member banks and thrifts. Statement of Applicability: The contents of, and material referenced…
Treasury Announces President Donald J. Trump’s Signature to Appear on Future U.S. Paper Currency
March 30, 2026 / Source: U.S. Department of the Treasury
March 26, 2026 WASHINGTON – In honor of the 250th anniversary of the United States of America, President Donald J. Trump’s signature will appear on future U.S. paper currency along with the Secretary of the Treasury, marking the first time in history for a sitting president. “Under President Trump’s leadership, we are on a path toward unprecedented…
OCC Reports Mortgage Performance for Fourth Quarter of 2025
March 30, 2026 / Source: Office of the Comptroller of the Currency
News Release 2026-20|March 30, 2026 WASHINGTON—The Office of the Comptroller of the Currency (OCC) reported on the performance of first-lien mortgages in the federal banking system during the fourth quarter of 2025. The OCC Mortgage Metrics Report, Fourth Quarter 2025 showed that 97.5 percent of mortgages included in the report were current and performing at the end of…
FinCEN Issues Advisory on Health Care Fraud Schemes Targeting Medicare, Medicaid, and Other Federal and State Health Care Benefit Programs
March 30, 2026 / Source: Financial Crimes Enforcement Network
Immediate Release March 30, 2026 Today, the U.S. Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) issued an Advisory urging financial institutions to be vigilant about health care fraud schemes targeting government health care benefit programs such as Medicare and Medicaid. FinCEN’s Advisory provides financial institutions with an overview of how fraudsters, organized crime…
FinCEN Proposes Rule to Pay Whistleblowers
March 30, 2026 / Source: Financial Crimes Enforcement Network
Immediate Release March 30, 2026 Major Milestone in Implementing Whistleblower Program to Fight Illicit Finance WASHINGTON—Today, the U.S. Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) submitted to the Federal Register a Notice of Proposed Rulemaking (NPRM) to fully implement a whistleblower program by establishing a framework for offering incentives and protections to encourage…
Regulatory Capital Rule: Category I and II Banking Organizations, Banking Organizations With Significant Trading Activity, and Optional Adoption for Other Banking Organizations
March 29, 2026 / Source: OCC, Board, FDIC
The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are proposing to modernize the capital requirements applicable to Category I and II depository institution holding companies and depository institutions, as well as revise the market risk capital framework for banking organizations…
Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets
March 29, 2026 / Source: OCC, Board, FDIC
The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are proposing to modify certain aspects of the regulatory capital rule (the proposal). The proposal would revise the risk-based capital treatment of certain exposure categories under the standardized approach, focusing on improving…
Regulatory Capital Rule (Regulation Q): Risk-Based Capital Surcharges for Global Systemically Important Bank Holding Companies; Systemic Risk Report (FR Y-15)
March 29, 2026 / Source: Board of Governors of the Federal Reserve System
The Board of Governors of the Federal Reserve System (Board) is inviting public comment on a notice of proposed rulemaking to amend the Board’s rule that identifies and establishes risk-based capital surcharges for U.S. global systemically important bank holding companies (GSIBs). The proposal would also amend the Systemic Risk Report (FR Y-15), which is the…
Mortgage Rates Average 6.38%
March 26, 2026 / Source: Freddie Mac
MCLEAN, Va., March 26, 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 6.38%. “Mortgage rates this week averaged 6.38%,” said Sam Khater, Freddie Mac’s Chief Economist. “The housing market continues to show gradual improvements compared to a year ago amid recent…
FTC Chairman Andrew N. Ferguson Issues Warning Letters to CEOs of PayPal, Stripe, Visa and Mastercard About Debanking American Consumers
March 26, 2026 / Source: Federal Trade Commission
March 26, 2026 Federal Trade Commission Chairman Andrew N. Ferguson sent letters today to four major financial infrastructure platforms and payment providers reminding them of their obligations to their customers under the FTC Act. The letters issued to the CEOs of PayPal, Stripe, Visa and Mastercard raise concerns about publicly reported examples of financial services companies denying their customers access to…
FTC Testifies before the Joint Economic Committee on Agency’s Efforts to Combat Fraud
March 25, 2026 / Source: Federal Trade Commission
March 25, 2026 The Federal Trade Commission testified today before the Joint Economic Committee about the agency’s ongoing work to combat fraud and protect consumers from scammers and other bad actors. Testifying on behalf of the Commission, Lois Greisman, Associate Director of the FTC’s Division of Marketing Practices, said that fighting fraud is the core…
Financial Stability Oversight Council Issues Proposed Guidance on Nonbank Financial Company Designations
March 25, 2026 / Source: U.S. Department of the Treasury
Press Releases March 25, 2026 WASHINGTON – The Financial Stability Oversight Council (Council) today voted unanimously to issue for public comment proposed interpretative guidance on nonbank financial company designations. This proposed guidance would reinstitute a number of elements first introduced by the Council’s 2019 interpretive guidance and would add critical enhancements that reflect the Council’s current…
Recission of the Statement of Policy on Qualifications for Failed Bank Acquisitions
March 24, 2026 / Source: Federal Deposit Insurance Corporation
The Federal Deposit Insurance Corporation (FDIC) is taking final action to rescind the Statement of Policy on Qualifications for Failed Bank Acquisitions issued in 2009 and related questions and answers posted on its website in 2010. The rescission is effective March 23, 2026. On September 2, 2009, the FDIC published a Statement of Policy on…
Treasury Launches the Artificial Intelligence (AI) Innovation Series
March 24, 2026 / Source: U.S. Department of the Treasury
Press Releases March 23, 2026 WASHINGTON — The Office of the Financial Stability Oversight Council (FSOC) and the Treasury Department’s Artificial Intelligence Transformation Office (AITO) launched the AI Innovation Series this week, a public-private initiative to support the continued strength and resilience of the U.S. financial system in an era of accelerating technological change. Artificial intelligence…
President Donald J. Trump Unveils National AI Legislative Framework
March 24, 2026 / Source: The White House
The White House March 20, 2026 The Trump Administration is committed to winning the AI race to usher in a new era of human flourishing, economic competitiveness, and national security for the American people. Achieving these goals requires a commonsense national policy framework that both enables American industry to innovate and thrive and ensures that…
Clarification of Deposit Insurance Coverage for Branches of U.S. Banks in the Federated States of Micronesia, the Marshall Islands, and Palau
March 23, 2026 / Source: Federal Deposit Insurance Corporation
The Federal Deposit Insurance Corporation (FDIC) is adopting a final rule to provide that the FDIC will insure deposits of all branches of U.S.-insured depository institutions (IDIs) in the Federated States of Micronesia, the Republic of the Marshall Islands, and the Republic of Palau, whether operating presently or in the future. This final rule follows…
New Nacha Risk Management Rules Now in Effect
March 22, 2026 / Source: Nacha
Keeping the ACH Network safe—and constantly working to strengthen that security—is always top of mind for Nacha. Today, March 20, 2026, marks a milestone in those efforts as a major phase of new Nacha Rules on risk management and transaction monitoring is now in effect, with the next phase right behind in June. It’s been three and…