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FDIC Finalizes Regulatory Threshold Updates and Indexing to Reflect Inflation
November 25, 2025 / Source: Federal Deposit Insurance Corporation
November 25, 2025 WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) Board of Directors today approved a final rule that updates certain regulatory thresholds to reflect historical inflation, including those under 12 CFR part 363 related to annual independent audit and reporting requirements, and provides for future adjustments to those thresholds based on inflation. The changes…
Agencies issue proposal to enhance community banks’ ability to serve their communities while maintaining strong capital requirements
November 25, 2025 / Source: Board of Governors of the Federal System
For release at 1:30 p.m. EST The federal bank regulatory agencies today invited public comment on a proposal that would implement changes to the community bank leverage ratio framework in accordance with statutory authority. By incorporating these changes, the revisions would reduce regulatory burden and provide community banks with greater flexibility and optionality in their…
Agencies issue final rule to modify certain regulatory capital standards
November 25, 2025 / Source: Board of Governors of the Federal Reserve System
For release at 1:30 p.m. EST The federal bank regulatory agencies today jointly issued a final rule that modifies certain regulatory capital standards to reduce disincentives a banking organization may have to engage in lower-risk activities, such as intermediating in U.S. Treasury markets. The final rule is substantially similar to the proposal issued in June, with changes…
CFPB’s Supervision Division Releases New ‘Humility Pledge’
November 24, 2025 / Source: Consumer Financial Protection Bureau
Washington, D.C.—Today, the CFPB made changes to how the Supervision Division conducts exams. Previously, under the leadership of Director Chopra and Biden’s Director of Supervision Lorelei Salas, a former Soros activist who was put on leave in February 2025, this division was the weaponized arm of the CFPB. Under President Trump and Director Vought’s leadership,…
OCC Announces Additional Actions to Support Community Banks and Reduce Regulatory Burden
November 24, 2025 / Source: Office of the Comptroller of the Currency
WASHINGTON—The Office of the Comptroller of the Currency (OCC) today announced supervisory and regulatory actions to reduce burden for community banks and strengthen their service as drivers of economic growth. The OCC’s actions build on previous guidance to community banks and proposed rulemakings to tailor risk-based supervision to focus on material financial risk and prioritize reforms at…
Bank Secrecy Act/Anti-Money Laundering: Community Bank Minimum Bank Secrecy Act/Anti-Money Laundering Examination Procedures
November 24, 2025 / Source: Office of the Comptroller of the Currency
Summary This bulletin establishes the Community Bank Minimum Bank Secrecy Act (BSA/AML) Examination Procedures (Community Bank Procedures) for BSA/AML compliance examinations and provides guidance for Office of the Comptroller of the Currency (OCC) examiners on their application. The Community Bank Procedures, effective for examinations beginning February 1, 2026, reflect the OCC’s continued commitment to, and…
Bank Secrecy Act/Anti-Money Laundering: Discontinuation of Annual Money Laundering Risk System Data Collection
November 24, 2025 / Source: Office of the Comptroller of the Currency
Summary The Office of the Comptroller of the Currency (OCC) will no longer annually collect information from community banks1 through the Money Laundering Risk (MLR) System. Note for Community Banks This guidance is applicable to all community banks. Highlights Background Since 2005, the OCC has conducted an annual data collection, known as the MLR System, from…
Bank Activities: Request for Information on Community Banks’ Engagement with Core Service Providers and Other Essential Third-Party Service Providers
November 24, 2025 / Source: Office of the Comptroller of the Currency
Summary Today the Office of the Comptroller of the Currency (OCC) released a request for information (RFI) on community banks’ engagement with their core service providers and other essential third-party service providers. Note for Community Banks This request for information applies to all banks that may want to comment on the matters in the RFI….
U.S. Federal Housing Announces 2026 Multifamily Loan Purchase Caps for Fannie Mae and Freddie Mac
November 24, 2025 / Source: Federal Housing Finance Agency
11/24/2025 Washington, D.C. – U.S. Federal Housing announced today that the 2026 multifamily loan purchase caps for Fannie Mae and Freddie Mac (the Enterprises) will be $88 billion for each Enterprise, for a combined total of $176 billion to support the multifamily market. To ensure a strong focus on affordable housing and underserved markets, U.S. Federal…
FDIC Quarterly Banking Profile Third Quarter 2025
November 24, 2025 / Source: Federal Deposit Insurance Corporation
Today, the FDIC is releasing third quarter 2025 performance results for FDIC-insured institutions. The banking industry finished the quarter with higher earnings quarter over quarter, resulting in a return on assets (ROA) ratio of 1.27 percent. Strong net interest income growth and a reduction in provision expense, primarily related to last quarter’s large bank acquisition,…
Meeting Time Change: Consumer Advisory Board Meeting
November 24, 2025 / Source: Consumer Financial Protection Bureau
Under the Federal Advisory Committee Act (FACA), this notice sets forth the announcement of a public meeting of the Consumer Advisory Board (CAB or Board) of the Consumer Financial Protection Bureau (CFPB or Bureau). The notice also describes the functions of the Board. The CAB will discuss broad policy matters related to the Bureau’s Unified…
OFAC Imposes $4.7 Million Penalty on Real Estate Investor for Dealing in Blocked Russian’s Property
November 24, 2025 / Source: US Department of the Treasury
November 24, 2025 Sale of Blocked Residential Real Property Also Violated OFAC Cease-and-Desist Order WASHINGTON — Today, the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC) imposed a $4,677,552 penalty on an individual (“U.S. Person-1”) for violating OFAC sanctions on Russia and failing to comply with an OFAC subpoena. This action—which imposes the statutory maximum…
Co-Founder of Paycheck Protection Program Lender Service Provider Sentenced for $63M COVID-19 Relief Fraud Scheme
November 23, 2025 / Source: US Department of Justice
A co-founder of a lender service provider was sentenced to 10 years in prison for participating in a scheme to fraudulently obtain over $63 million in Paycheck Protection Program (PPP) loans guaranteed by the U.S. Small Business Administration (SBA) under the Coronavirus Aid, Relief, and Economic Security (CARES) Act. The defendant was also ordered to pay over $63…
SEC Announces New Date and Time for Roundtable on Financial Surveillance and Privacy
November 23, 2025 / Source: US Securities and Exchange Commission
For Immediate Release 2025-134 Washington D.C., Nov. 21, 2025 — The Securities and Exchange Commission’s Crypto Task Force has rescheduled its Financial Surveillance and Privacy Roundtable, previously scheduled for October, to Monday, Dec. 15, 2025. “I am looking forward to getting this event back on the calendar before the end of the year. Given the many…
HUD Supports Homeownership and Housing Affordability for More Than One Million Americans
November 23, 2025 / Source: US Department of Housing and Urban Development
WASHINGTON, D.C. – Secretary Scott Turner announces the U.S. Department of Housing and Urban Development (HUD) provided a pathway for homeownership and supported housing affordability for more than one million Americans this year through the Federal Housing Administration (FHA) and the Government National Mortgage Association (Ginnie Mae). “President Trump’s bold leadership is empowering HUD to use…
Financial Action Task Force Identifies Jurisdictions with Anti-Money Laundering, Combating the Financing of Terrorism, and Counter-Proliferation Finance Deficiencies
November 23, 2025 / Source: Financial Crimes Enforcement Network
Immediate Release November 21, 2025 WASHINGTON—The Financial Crimes Enforcement Network (FinCEN) is informing U.S. financial institutions that the Financial Action Task Force (FATF), an intergovernmental body that establishes international standards for anti-money laundering, countering the financing of terrorism, and countering the financing of proliferation of weapons of mass destruction (AML/CFT/CPF), updated its lists of jurisdictions…
Federal Reserve Board announces it will extend until February 21, 2026, the comment period on proposal to improve stress test model and scenario transparency and accountability
November 23, 2025 / Source: Board of Governors of the Federal Reserve System
The Federal Reserve Board on Friday announced that it will extend until February 21, 2026, the comment period on its proposal to improve stress test model and scenario transparency and accountability. The Board extended the comment period to allow interested parties more time to analyze the issues and prepare their comments. Comments on the proposal to improve…
Federal Reserve Board releases results of survey of senior financial officers at banks about their strategies and practices for managing reserve balances
November 23, 2025 / Source: Board of Governors of the Federal Reserve System
The Federal Reserve Board on Friday released results of a survey of senior financial officers at banks about their strategies and practices for managing reserve balances. The Senior Financial Officer Survey is used by the Board to obtain information about banks’ reserve balance management strategies and practices, their expectations for potential changes in both the…
Consumer Advisory Board Meeting
November 23, 2025 / Source: Consumer Financial Protection Bureau
by the Consumer Financial Protection Bureau on 11/21/2025. Under the Federal Advisory Committee Act (FACA), this notice sets forth the announcement of a public meeting of the Consumer Advisory Board (CAB or Board) of the Consumer Financial Protection Bureau (CFPB or Bureau). The notice also describes the functions of the Board.
Fair Debt Collection Practices Act CFPB Annual Report 2025
November 23, 2025 / Source: Consumer Financial Protection Bureau
NOV 21, 2025 The CFPB’s annual report to Congress includes a summary of the CFPB’s activities to administer the Fair Debt Collection Practices Act (FDCPA) in 2024. It also includes activities related to debt collection that were conducted by the Federal Trade Commission in 2024. Full report Read the full report
Treasury Moves to Prevent Abuse of Refundable Tax Credit Benefits by Illegal Aliens
November 20, 2025 / Source: US Department of the Treasury
November 20, 2025 WASHINGTON – The U.S. Department of the Treasury announced today that it will issue regulations concerning the treatment of certain refundable individual income tax credits under the Personal Responsibility and Work Opportunity Reconciliation Act of 1996 (PRWORA). Treasury will issue a forthcoming notice of proposed rulemaking to clarify that the refunded portions of…
Treasury Tightens Sanctions on Iran’s Oil Network Supporting its Military
November 20, 2025 / Source: US Department of the Treasury
November 20, 2025 WASHINGTON—Today, the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC) is sanctioning a network of front companies and shipping facilitators that bankroll the Iranian armed forces by selling crude oil. Following its defeat in the 12-Day War with Israel, Iran’s military has increasingly come to rely on the sale of…
Webinar: Reg Z & Credit Cards
November 20, 2025 / Source: Compliance Alliance
Published: November 20th, 2025 Description: This one-hour webinar will cover credit card rules under Regulation Z. Information presented will include account opening disclosures, periodic statements, changes in terms, special credit card provisions, billing error resolution, and marketing to college students. Key Takeaways: Considerations for banks to keep in mind when opening or servicing credit cardsReminders…
United States, Australia, and United Kingdom Sanction Russian Cybercrime Infrastructure Supporting Ransomware
November 19, 2025 / Source: US Department of the Treasury
November 19, 2025 WASHINGTON — Today, the Department of the Treasury’s Office of Foreign Assets Control (OFAC), Australia’s Department of Foreign Affairs and Trade, and the United Kingdom’s Foreign Commonwealth and Development Office are announcing coordinated sanctions targeting Media Land, a Russia-based bulletproof hosting (BPH) service provider, for its role in supporting ransomware operations and other forms…
Treasury Sanctions Former Canadian Olympian and Notorious Narcotrafficker Ryan Wedding
November 19, 2025 / Source: US Department of the Treasury
November 19, 2025 Sanctions Are Part of a Coordinated U.S. Government Action Against Wedding WASHINGTON — Today, the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC) sanctioned Ryan James Wedding (Wedding), alongside nine individuals and nine entities closely associated with him. Wedding, a former Olympic snowboarder for Team Canada, is one of the Federal Bureau…