FDIC – Page 124 – Regulatory Report

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[ December 19, 2025 ] Debit, prepaid card transactions slowed down in 2021-23 – but interchange fees grew, Fed report finds The Fed
[ December 19, 2025 ] Fed wants comments on new payment account, ‘tailored’ to meet ‘limited needs’ of banks, credit unions The Fed
[ December 19, 2025 ] Banks’ Q3 trading revenue up 12.7% over year ago, OCC reports OCC
[ December 19, 2025 ] Agency releases latest version of CECL accounting tool for use by small credit unions NCUA
[ December 18, 2025 ] NCUA 2026 budget set at $316.2 million, down 20% from 2025 NCUA

Two agencies earn high marks from employees as ‘best places to work’; a third remains in lower (but improved) position

January 10, 2020 0

Two federal financial regulators were ranked in the upper echelons of “best places to work” in the latest rankings released Thursday – while a third continued to languish in the lowest level. The Federal Deposit […]

Comment period opens on OCC/FDIC proposal to reform CRA

January 9, 2020 0

The comment period on proposed anti-redlining reform by the federal regulator of national banks and the federal insurer of banks deposits started Thursday and runs to March 9, according to a notice published in the […]

Community Reinvestment Act Regulations

January 8, 2020 0

Title: Community Reinvestment Act Regulations Subject: CRA Agency: OCC (The FDIC, which issued the proposed rule jointly with OCC, declined to finalize the rule with OCC “at this time.”) Status: Final rule Summary: The Office […]

CT bank receives ‘needs to improve’ CRA rating as FDIC wraps up evaluation releases for 2019

January 3, 2020 0

A “needs to improve” rating was given to one bank out of 40 whose anti-redlining exam results were released by the federal insurer of banks Friday; the remaining 39 banks received “satisfactory” ratings. The Federal […]

Mortgage credit risk retention rules under review by regulators

January 2, 2020 0

Federal banking, housing finance, and securities regulators have begun a review of credit risk retention rules affecting federally insured banks and thrifts that securitize residential mortgage loans. The agencies said they would accept public comments […]

Seattle bank slapped with $1.35 million penalty for RESPA violations

December 31, 2019 0

A civil money penalty (CMP) of $1.35 million assessed against a Seattle bank was among the enforcement actions and orders taken in November by the federal insurer of bank deposits, the agency said Dec. 27. […]

FDIC, Fed extend comment period to Feb. 28 on CAMELS request for info

December 31, 2019 0

Banking organizations will have more time – two months more – to provide input to a request for information (RFI) on the consistency of ratings provided through the Uniform Financial Institutions Rating System, better known […]

Community Reinvestment Act Regulations

December 31, 2019 0

Title: Community Reinvestment Act Regulations Subject: CRA Agency: FDIC, Federal Reserve, OCC Status: Final rule Summary: The OCC, the Board, and the FDIC (collectively, the Agencies) are amending their Community Reinvestment Act (CRA) regulations to […]

Four statements of policy withdrawn after agency deems them outdated

December 31, 2019 0

Four statements of policy that have been deemed as outdated – including two dealing with collateral – are being rescinded by the federal insurer of bank deposits, the agency said Tuesday. In a financial institution […]

Nine ‘de novo’ bank applications given green light in 2019 (so far), short of pace for preceding year

December 31, 2019 0

With the application approval of a bank to be located in St. George, Utah, earlier this month, nine “de novo” bank applications have been OK’d by the federal insurer of bank deposits in 2019 – […]

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Debit, prepaid card transactions slowed down in 2021-23 – but interchange fees grew, Fed report finds

December 19, 2025 0

Debit and general-use prepaid card transactions grew at a slower rate in the period 2021-23 than previous periods, the Federal Reserve said Friday, and interchange fees have been rising. In its biennial, statutorily mandated report on debit card transactions, summarizing [...]
Fed wants comments on new payment account, ‘tailored’ to meet ‘limited needs’ of banks, credit unions

December 19, 2025 0

A new “payment account” — tailored to meet the limited needs of eligible financial institutions seeking payments and settling services – is being considered by the Federal Reserve, and the agency said Friday it wants comments on the idea. In [...]
Banks’ Q3 trading revenue up 12.7% over year ago, OCC reports

December 19, 2025 0

U.S. commercial banks and savings associations had $18.4 billion in cumulative trading revenue in the third quarter of this year – $1.8 billion (10.9%) more than the previous quarter and $2.1 billion (12.7%) more than a year ago, the national [...]
Agency releases latest version of CECL accounting tool for use by small credit unions

December 19, 2025 0

The latest version of a tool for navigating current expect credit loss (CECL) accounting requirements for small, complex credit unions was released Thursday by the federal credit union regulator as part of a quarterly update. The tool is an option, [...]
NCUA 2026 budget set at $316.2 million, down 20% from 2025

December 18, 2025 0

The combined budgets of the National Credit Union Administration (NCUA) in 2026 will total $316.15 million, about $2.36 million more than proposed but 20% below the agency’s 2025 budget, according to action apparently taken Wednesday and announced in Thursday’s open [...]
NCUSIF still expected to close 2025 at 1.3%

December 18, 2025 0

No change in the projected year-end equity ratio of the National Credit Union Share Insurance Fund (NCUSIF) is offered in the latest briefing on the fund, provided during Thursday’s open meeting of the National Credit Union Administration (NCUA) Board. The [...]
Expecting rule change at Fed, agencies say they will no longer issue annual notice warning of insider lending restrictions

December 18, 2025 0

Two federal banking agencies will no longer issue an annual letter to banks outlining their expectations for compliance with insider lending restrictions and related reporting requirements, an effort toward “greater certainty,” they said in a joint letter issued Thursday. Instead, [...]
Comptroller terminates six enforcement actions, including one against Citibank

December 18, 2025 0

A 2024 amendment to an earlier consent order against Citibank, N.A., was among six terminations of orders issued by the national bank regulator in December and released Thursday. The order terminations were the only enforcements reported by the Office of [...]
Agency decides to clear the books of bulletins, other issuances made over 40-year period

December 18, 2025 0

Fifty-five outdated or replaced bulletins and other issuances – including advisory letters, circulars, and more — were rescinded by the national bank regulator Thursday; the issuances were published over a 40-year period, the regulator said. In addition, the Office of [...]