FDIC – Page 3 – Regulatory Report

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[ October 29, 2025 ] CFPB rescinds rule on nonbank persons registry, withdraws proposal on firms using form contracts; more CFPB
[ October 28, 2025 ] CFPB: FCRA’s state-law preemption on credit reporting broader than held in 2022 CFPB
[ October 27, 2025 ] OCC wants to rescind guidelines for big banks on recovery planning; says banks ‘should’ be doing it anyway OCC
[ October 27, 2025 ] Comptroller jumps on stress-test reform bandwagon, praising Fed request for comment OCC
[ October 24, 2025 ] Fed opens stress tests to public comment, citing need for transparency, public accountability The Fed

Profitability down for banks at midyear, continuing decline from year ago; DIF exceeds statutory minimum, ending restoration plan

August 26, 2025 0

Return on assets (ROA) for the nation’s banks was down at midyear as was net income, which the federal bank deposit insurance agency Tuesday blamed on an increase in provision expenses related to a large […]

UPDATED: Bank deposit signage rules on websites, mobile apps, ATMs would be ‘simplified’ under proposal

August 19, 2025 0

Rules intended to simplify display of bank deposit insurance official digital sign and non-deposit signage on websites and mobile applications, as well as on ATMs, would be amended under a proposal issued Tuesday. The Federal […]

AL bank executive pleads guilty to theft, receives 5 years in clink, 5 years in supervised release

August 14, 2025 0

Five years in prison – plus another five years in supervised release – was the sentence for a a former Alabama bank executive convicted of embezzlement, according to the inspector general for the federal bank […]

FDIC watchdog wants performance goals, metrics for program overseeing service providers to banks

August 13, 2025 0

A program overseeing service providers to banks does not have performance goals and metrics to measure overall effectiveness and efficiency, according to a report issued Wednesday by the inspector general for the federal bank deposit […]

FDIC opens door to use of ‘pre-populated’ customer info when accounts are opened

August 6, 2025 0

Banks may use pre-populated customer information to satisfy Customer Identification Program (CIP) requirements when opening an account, the federal bank deposit insurance agency said late Tuesday. In a financial institution letter (FIL), the Federal Deposit […]

Agencies release latest public versions of ‘living wills’ for some of largest banking organizations

August 5, 2025 0

Public sections of resolution plans for the eight largest and “most complex” domestic banking organizations, as well as those for 56 foreign banking organizations, were released Tuesday by two federal banking agencies. The Federal Reserve […]

Four banks rated ‘outstanding’ for CRA compliance – but two banks earn subpar ‘needs improvement’

August 5, 2025 0

Four banks earned “outstanding” ratings for their compliance with anti-redlining rules – but two banks earned the subpar “needs improvement” ratings – according to the latest release Tuesday of the scores by the federal bank […]

Report asserts workers doubted anti-harassment plan at FDIC since senior officials were involved in implementing

August 4, 2025 0

An anti-harassment plan at the federal bank deposit insurance agency could not be effectively implemented, workers at the agency believed, because executives leading the effort had misconduct allegations against them, a report issued by the […]

Banking agencies set 90-day comment period for latest EGRPRA reg review

July 23, 2025 0

The fourth notice in a process of regulatory review under the Economic Growth and Regulatory Paperwork Reduction Act (EGRPRA) was issued by federal banking regulators with a 90-day comment period attached. The aim of the […]

UPDATED: Agencies follow through on proposal rescinding latest CRA rules; apparent concern over lawsuit

July 17, 2025 0

Following through on an announcement made last spring, a proposal to revert anti-redlining rules to those that existed after 1995 – and rescinding new rules adopted two years ago – were proposed by the federal […]

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CFPB rescinds rule on nonbank persons registry, withdraws proposal on firms using form contracts; more

October 29, 2025 0

Nonbank “covered persons” who are subject to court or government agency’s final public orders related to offering or providing consumer financial products or services no longer need to get themselves on a registry maintained by the Consumer Financial Protection Bureau [...]
CFPB: FCRA’s state-law preemption on credit reporting broader than held in 2022

October 28, 2025 0

The Fair Credit Reporting Act’s (FCRA) preemption of state laws related to consumer credit reporting is broader than presented in a now-rescinded 2022 interpretive rule, the Consumer Financial Protection Bureau (CFPB) says. The CFPB, in a new interpretive rule published [...]
OCC wants to rescind guidelines for big banks on recovery planning; says banks ‘should’ be doing it anyway

October 27, 2025 0

Big banks – those with at least $100 billion in assets – are expected to be well managed and have appropriate risk-management processes in place; thus, no guidelines on “recovery planning” are necessary, the national bank regulator proposed late Monday. [...]
Comptroller jumps on stress-test reform bandwagon, praising Fed request for comment

October 27, 2025 0

Calling the current stress-test regime for large banks “too complex and opaque,” the national bank regulator late Monday praised the Federal Reserve for proposing changes to the stress test models. Comptroller of the Currency Jonathan V. Gould said the Fed’s [...]