OCC – Regulatory Report

What's up

[ September 15, 2026 ] Proposed rules on merger transactions, state bank parity on agenda for FDIC Board FDIC
[ September 14, 2026 ] Credit unions see delinquencies inch up as loan demand remains high; savings rise too NCUA
[ September 11, 2026 ] UPDATED: Proposed guidance focuses on risk management with third parties; statement on community banks ‘core service providers’ issued FDIC
[ September 11, 2026 ] Banks can start submitting CRA aggregate data via Fed portal in 2028 Other
[ September 11, 2026 ] Interim rule qualifies more banks for 18-month exam schedule FDIC

UPDATED: Proposed guidance focuses on risk management with third parties; statement on community banks ‘core service providers’ issued

September 11, 2026 0

Updated for Federal Register notices, comment deadline. Managing risks associated with third-party relationships is the subject of proposed guidance issued Friday by federal banking and credit union regulators. The banking agencies also issued a statement […]

Interim rule qualifies more banks for 18-month exam schedule

September 11, 2026 0

An extended, 18-month on-site exam cycle will apply to certain banks having assets of less than $6 billion under an interim final rule by the three federal prudential banking regulators. The Federal Reserve Board, Federal […]

New FAQs focus on permissible use of state-issued mobile drivers’ licenses for customer ID verification

September 8, 2026 0

Financial institutions may use state-issued mobile driver’s licenses (mDLs) and other government-issued digital credentials for ID verification under the Bank Secrecy Act (BSA)/anti-money laundering (AML) customer ID program (CIP) rule, federal regulators said Tuesday. Treasury’s […]

Public banks’ annual financial disclosures should be reviewed by SEC, GAO decides; SEC says ‘not it’

September 3, 2026 0

Authority to review some banks’ annual financial disclosures should be reassessed, perhaps shifted to the federal agency that oversees security markets, the congressional watchdog recommended in a report issued Thursday. The security market oversight agency, […]

Info on ‘suspicious activity’ reports may be shared – but not specific reference to reports, agencies declare

September 3, 2026 0

Banks and credit unions are not barred from sharing information contained on anti-money laundering reports about potentially fraudulent or other suspicious transactions with other financial institutions or customers if the existence of the report is […]

7 banks graded ‘outstanding’ for CRA by OCC

September 3, 2026 0

Seven of the 23 banks whose Community Reinvestment Act (CRA) ratings became public in August were rated “outstanding,” with the remaining 16 rated “satisfactory,” according to data released by the national bank regulator. The August […]

Comptroller sets schedules for 4th, 1st Quarter CRA exams; takes break in December

August 31, 2026 0

Seventy-nine banks – many of them in Texas – will face exams for anti-redlining rules compliance in the fourth quarter of this year, and the first quarter of next year, the national bank regulator said […]

UPDATED: ‘Unsafe, unsound practice’ redefined by bank agencies in interest of prioritizing material financial risks over policies

August 28, 2026 0

Updated for Federal Register notice, effective date. A uniform definition for the term “unsafe or unsound practice” for use in enforcement actions that is designed, banking regulators said, to ensure examiners prioritize concerns related to […]

Agencies rescind four-year policy on special purpose credit programs aimed to help disadvantaged consumers, businesses

August 25, 2026 0

Recission of a four-year-old policy aimed at helping creditors expand responsible credit access to economically or socially disadvantaged consumers and commercial enterprises was announced Tuesday by federal banking and credit union agencies, along with other […]

With GENIUS Act date looming, OCC chief says rules will be ready in November

August 19, 2026 0

Banking regulators are working to complete final rules on the application procedure banks must follow to issue payment stablecoins, with one agency on Wednesday pledging it will have a final rule ready in November. Meanwhile, […]

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Proposed rules on merger transactions, state bank parity on agenda for FDIC Board

September 15, 2026 0

Merger transactions and state bank parity are the subjects of two proposed rules the board of the federal bank deposit insurance agency will take up when it meets Thursday (Sept. 17) in Washington, D.C. According to the Federal Deposit Insurance [...]
Credit unions see delinquencies inch up as loan demand remains high; savings rise too

September 14, 2026 0

The loan delinquency rate was up at credit unions at midyear, compared to a year earlier, as credit union assets also grew during the same period, their federal regulator said Monday. In a release, the National Credit Union Administration (NCUA) [...]
UPDATED: Proposed guidance focuses on risk management with third parties; statement on community banks ‘core service providers’ issued

September 11, 2026 0

Updated for Federal Register notices, comment deadline. Managing risks associated with third-party relationships is the subject of proposed guidance issued Friday by federal banking and credit union regulators. The banking agencies also issued a statement on community banks’ engagement with [...]
Banks can start submitting CRA aggregate data via Fed portal in 2028

September 11, 2026 0

Banks required or choosing to report Community Reinvestment Act (CRA) aggregate data will be able to use a streamlined process beginning with the 2027 reporting year – meaning for submissions due by March 1, 2028, a regulators’ panel said Friday. [...]
Interim rule qualifies more banks for 18-month exam schedule

September 11, 2026 0

An extended, 18-month on-site exam cycle will apply to certain banks having assets of less than $6 billion under an interim final rule by the three federal prudential banking regulators. The Federal Reserve Board, Federal Deposit Insurance Corp. (FDIC), and [...]