https://arrowintsys.com/regulatory-activities Latest press releases, guidance, and enforcement actions from the FDIC. Compiled by Arrow AIM. en-us https://www.fdic.gov/news/press-releases/2026/agencies-issue-guidance-lending-individuals-not-legally-authorized-work https://www.fdic.gov/news/press-releases/2026/agencies-issue-guidance-lending-individuals-not-legally-authorized-work Mon, 13 Jul 2026 00:00:00 GMT The Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation, and National Credit Union Administration issued joint guidance reminding financial institutions of their credit risk management obligations when lending to individuals not legally authorized to work in the United States. The guidance highlights that such lending may present elevated credit risk due to greater uncertainty regarding borrowers' ability to generate income, maintain employment, and remain financially stable. Financial institutions are advised to identify, measure, monitor, and control these risks through sound underwriting practices that assess borrowers' willingness and capacity to repay. The guidance was issued pursuant to Executive Order 14406 to address risks to the financial system from extending credit to inadmissible and removable populations, and directs institutions to consider related Consumer Financial Protection Bureau guidance on Truth in Lending Act and Equal Credit Opportunity Act obligations. interagency regulatory-guidance credit-risk https://www.fdic.gov/news/press-releases/2026/kentland-bank-assumes-all-deposits-kentland-federal-savings-and-loan https://www.fdic.gov/news/press-releases/2026/kentland-bank-assumes-all-deposits-kentland-federal-savings-and-loan Fri, 10 Jul 2026 00:00:00 GMT The Office of the Comptroller of the Currency closed Kentland Federal Savings and Loan Association of Kentland, Indiana, and appointed the FDIC as receiver. Kentland Bank of Kentland, Indiana agreed to purchase substantially all assets and assume all deposits of the failed institution, which reported total assets of $3.73 million and total deposits of $3.65 million as of March 31, 2026, making it the smallest standalone bank in the United States. Depositors automatically became customers of Kentland Bank with continued FDIC insurance coverage and immediate access to their funds. The FDIC estimates the failure will cost the Deposit Insurance Fund approximately $1.2 million. bank-failure deposit-insurance purchase-assumption https://www.fdic.gov/news/press-releases/2026/fdic-issues-list-banks-examined-cra-compliance-5 https://www.fdic.gov/news/press-releases/2026/fdic-issues-list-banks-examined-cra-compliance-5 Thu, 02 Jul 2026 00:00:00 GMT The Federal Deposit Insurance Corporation issued its monthly list of state nonmember banks that were evaluated for compliance with the Community Reinvestment Act during April 2026. The CRA, enacted in 1977, requires the FDIC to assess how well banks meet the credit needs of their entire communities, including low- and moderate-income neighborhoods, while maintaining safe and sound operations. Under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, the FDIC is mandated to publicly disclose evaluation ratings for each bank examined under CRA since July 1, 1990. Individual bank CRA evaluations are available directly from the banks themselves or through the FDIC's Public Information Center. cra community-reinvestment-act examination-process https://www.fdic.gov/news/press-releases/2026/agencies-release-list-distressed-or-underserved-nonmetropolitan-middle https://www.fdic.gov/news/press-releases/2026/agencies-release-list-distressed-or-underserved-nonmetropolitan-middle Tue, 30 Jun 2026 00:00:00 GMT Federal bank regulatory agencies released the 2026 list of distressed or underserved nonmetropolitan middle-income geographies where certain bank activities qualify for Community Reinvestment Act credit. The list identifies areas where revitalization or stabilization activities are eligible for CRA consideration based on local economic conditions including unemployment, poverty, and population changes. These designations remain valid for 12 months following publication, with a one-year lag period applied to geographies that were included in 2025 but are no longer designated in the current list. The CRA requires agencies to assess how well banks meet the credit needs of their entire community, including low- and moderate-income neighborhoods, consistent with safe and sound banking operations. cra community-reinvestment-act interagency https://www.fdic.gov/news/press-releases/2026/fdic-publishes-may-enforcement-actions https://www.fdic.gov/news/press-releases/2026/fdic-publishes-may-enforcement-actions Fri, 26 Jun 2026 00:00:00 GMT The Federal Deposit Insurance Corporation published its list of administrative enforcement actions taken against banks and individuals during May 2026. The agency issued 22 orders and one adjudicated decision and order, which included actions such as civil money penalties, consent orders, prohibition orders, and terminations of previous orders. Notably, the FDIC terminated six orders affecting a total of 102 Section 19 waiver orders during this period. The announcement also indicated that no administrative hearings are scheduled for July 2026. enforcement consent-order https://www.fdic.gov/news/press-releases/2026/fdic-board-approves-proposal-amend-resolution-submissions-covered-insured https://www.fdic.gov/news/press-releases/2026/fdic-board-approves-proposal-amend-resolution-submissions-covered-insured Thu, 25 Jun 2026 00:00:00 GMT The FDIC Board of Directors approved a notice of proposed rulemaking to revise resolution submission requirements for insured depository institutions. The proposal would raise the asset threshold for covered institutions from $50 billion to $100 billion in total assets and establish automatic future adjustments through an indexing methodology. The rule would streamline filing requirements to focus on information directly supporting cost-effective resolution and move all covered institutions to a three-year filing cycle. The Board also approved an exemption from filing requirements in October 2026 and 2027 for all institutions currently subject to the rule while the rulemaking process continues. Comments on the proposal will be accepted for 60 days following Federal Register publication. rulemaking resolution public-comment https://www.fdic.gov/news/press-releases/2026/fdic-board-approves-proposal-revise-deposit-insurance-assessment https://www.fdic.gov/news/press-releases/2026/fdic-board-approves-proposal-revise-deposit-insurance-assessment Thu, 25 Jun 2026 00:00:00 GMT The FDIC Board of Directors approved a notice of proposed rulemaking to revise deposit insurance assessment regulations for all FDIC-insured institutions. The proposal increases the asset threshold for determining small versus large institutions from $10 billion to $30 billion, with periodic adjustments through an indexing methodology. Initial base assessment rates would decrease by two basis points for small institutions and one basis point for large or highly complex institutions, reflecting recent growth in the Deposit Insurance Fund and its reserve ratio. The proposal also introduces a downward resolution readiness adjustment of up to one basis point for large or highly complex institutions that successfully complete virtual data room testing exercises or provide temporary access to certain service providers and internal systems. Comments on the proposed rule will be accepted for 60 days following Federal Register publication. rulemaking deposit-insurance insurance-fund https://www.fdic.gov/news/press-releases/2026/fdic-board-approves-proposal-amend-regulations-regarding-disclosure https://www.fdic.gov/news/press-releases/2026/fdic-board-approves-proposal-amend-regulations-regarding-disclosure Thu, 25 Jun 2026 00:00:00 GMT The FDIC Board of Directors approved a notice of proposed rulemaking to amend Part 309 of its regulations governing the disclosure of confidential information. The proposal would expand the ability of insured depository institutions to share confidential FDIC information with third parties such as attorneys, accountants, auditors, and other partners without prior FDIC approval, provided the information is shared for a business purpose and both parties have entered into a confidentiality agreement. The proposed rule would also simplify the FDIC's process for discretionary disclosure of confidential information and update rules regarding Freedom of Information Act requests, disclosure of information in legal proceedings, and service of process. Comments on the proposed rule will be accepted for 60 days after publication in the Federal Register. rulemaking third-party-service-providers public-comment https://www.fdic.gov/news/press-releases/2026/fdic-statement-passing-chairman-william-isaac https://www.fdic.gov/news/press-releases/2026/fdic-statement-passing-chairman-william-isaac Mon, 22 Jun 2026 00:00:00 GMT The Federal Deposit Insurance Corporation announced the passing of former Chairman William Isaac, who served as the 14th Chairman from 1981 through 1985. Isaac was appointed to the FDIC Board of Directors in 1978 and became the youngest Chairman in the agency's history when named by President Ronald Reagan. During his tenure, he led the federal response to the banking and savings and loan crises of the 1980s, during which approximately 3,000 banks and thrifts failed, including many of the largest regional banks. Isaac is widely credited with maintaining stability in the financial system during this period and his contributions shaped important discussions about bank supervision, resolution practices, and deposit insurance policy. leadership bank-failure resolution https://www.fdic.gov/news/press-releases/2026/fdic-issues-list-banks-examined-cra-compliance-4 https://www.fdic.gov/news/press-releases/2026/fdic-issues-list-banks-examined-cra-compliance-4 Fri, 05 Jun 2026 00:00:00 GMT The Federal Deposit Insurance Corporation issued its list of state nonmember banks that were recently evaluated for compliance with the Community Reinvestment Act, covering ratings assigned in March 2026. The CRA is a 1977 law requiring the FDIC to assess how well banks meet the credit needs of their entire communities, including low- and moderate-income neighborhoods, while maintaining safe and sound operations. Under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, the FDIC is mandated to publicly disclose evaluations and ratings for each bank undergoing a CRA examination. Banks are required by law to make their individual CRA evaluations available upon request, and the public can also obtain these evaluations through the FDIC's Public Information Center. cra community-reinvestment-act examination-process https://www.fdic.gov/news/press-releases/2026/agencies-remove-additional-references-reputation-risk https://www.fdic.gov/news/press-releases/2026/agencies-remove-additional-references-reputation-risk Tue, 02 Jun 2026 00:00:00 GMT The federal bank regulatory agencies jointly updated certain interagency documents to remove references to reputation risk from their supervisory materials. This action complements earlier agency efforts to end the use of reputation risk in bank supervision. The agencies noted that reputation risk can be misused by supervisors to pressure banks into restricting access to financial services for individuals or legal businesses based on their constitutionally protected political or religious beliefs, speech, or lawful business activities. The updates are intended to ensure supervisory decisions are based on material financial risks and to increase clarity and precision in supervisory decision making. The agencies continue to review their supervisory materials and may update additional documents as appropriate. interagency supervision regulatory-guidance https://www.fdic.gov/news/press-releases/2026/fdic-publishes-april-enforcement-actions https://www.fdic.gov/news/press-releases/2026/fdic-publishes-april-enforcement-actions Fri, 29 May 2026 00:00:00 GMT The Federal Deposit Insurance Corporation published its list of administrative enforcement actions taken against banks and individuals during April 2026. The FDIC issued two orders, one notice of charges, and one adjudicated decision during this period, which included one consent order, one order terminating a consent order, one notice of intent to prohibit with civil money penalty assessment, and one decision and order to prohibit with civil money penalty. The agency announced that no administrative hearings are scheduled for June 2026. These enforcement actions are available for public viewing on the FDIC's website as part of the agency's regular disclosure of regulatory compliance matters. enforcement consent-order https://www.fdic.gov/news/press-releases/2026/fdic-issues-cra-examination-schedules-third-quarter-2026-and-fourth https://www.fdic.gov/news/press-releases/2026/fdic-issues-cra-examination-schedules-third-quarter-2026-and-fourth Fri, 29 May 2026 00:00:00 GMT The Federal Deposit Insurance Corporation has released the examination schedules for banks subject to Community Reinvestment Act compliance reviews during the third and fourth quarters of 2026. Under CRA regulations, federal banking regulators must publish quarterly examination schedules at least 30 days before each quarter begins to allow for public comment. The examination frequency depends on institution asset size and CRA rating, with smaller banks rated Satisfactory examined no more than every 48 months and those rated Outstanding examined no more than every 60 months. The schedules are subject to change based on factors such as deposit facility applications or examinations requiring additional time and resources. Federal regulators encourage public comments on institutions scheduled for examination, which will be considered if received before the examination is completed. cra community-reinvestment-act examination-process https://www.fdic.gov/news/press-releases/2026/fdic-insured-institutions-reported-return-assets-126-percent-and-net https://www.fdic.gov/news/press-releases/2026/fdic-insured-institutions-reported-return-assets-126-percent-and-net Wed, 27 May 2026 00:00:00 GMT The FDIC reported that insured institutions achieved a return on assets of 1.26 percent and aggregate net income of $80.5 billion in the first quarter of 2026, representing a 3.6 percent increase from the previous quarter. The banking industry maintained strong capital and liquidity levels while experiencing a decline in net interest margin to 3.31 percent as earning asset yields fell faster than funding costs. Domestic deposits grew for the seventh consecutive quarter at 2.1 percent, and loan growth accelerated to 7.1 percent annually. The Deposit Insurance Fund reserve ratio increased to 1.43 percent, while asset quality metrics remained generally favorable despite elevated delinquency rates in some commercial real estate and consumer portfolios. financial-results deposit-insurance insurance-fund https://www.fdic.gov/news/press-releases/2026/agencies-publish-resolution-plan-feedback-letters-certain-domestic-and https://www.fdic.gov/news/press-releases/2026/agencies-publish-resolution-plan-feedback-letters-certain-domestic-and Fri, 22 May 2026 00:00:00 GMT The Federal Deposit Insurance Corporation and the Federal Reserve Board published feedback letters for resolution plans submitted in July 2025 by eight large domestic banking organizations and 56 foreign banking organizations. The agencies conducted a joint review of these living wills, which describe strategies for orderly resolution in the event of material financial distress or failure, and found no shortcomings or deficiencies in any of the submissions. Additionally, the agencies determined that derivatives-related weaknesses previously identified in 2023 plans from Bank of America, Goldman Sachs, JPMorgan Chase, and Citigroup have been satisfactorily addressed. This represents a positive assessment of the resolution planning capabilities of the nation's largest and most complex banking institutions. living-will resolution systemically-important https://www.fdic.gov/news/press-releases/2026/fdic-board-approves-proposal-address-bank-secrecy-act-and-sanctions https://www.fdic.gov/news/press-releases/2026/fdic-board-approves-proposal-address-bank-secrecy-act-and-sanctions Fri, 22 May 2026 00:00:00 GMT The FDIC Board of Directors approved a notice of proposed rulemaking to establish Bank Secrecy Act and sanctions compliance standards for FDIC-supervised permitted payment stablecoin issuers as required by the GENIUS Act. The proposed rule would require these entities to comply with anti-money laundering, countering the financing of terrorism, and economic sanctions programs established by FinCEN and the Office of Foreign Assets Control. The rule would also align supervision and enforcement provisions for stablecoin issuer AML/CFT programs with FinCEN requirements. Under the GENIUS Act, the FDIC serves as the primary federal regulator for permitted payment stablecoin issuers that are subsidiaries of insured state nonmember banks and state savings associations, with a 60-day comment period following Federal Register publication. rulemaking bsa-aml digital-assets https://www.fdic.gov/news/press-releases/2026/fdic-releases-public-sections-informational-filings-six-insured-depository https://www.fdic.gov/news/press-releases/2026/fdic-releases-public-sections-informational-filings-six-insured-depository Thu, 14 May 2026 00:00:00 GMT The Federal Deposit Insurance Corporation announced the release of public sections of informational filings for six large insured depository institutions. FDIC regulations require certain covered institutions to submit these informational filings every three years, with submissions for this cycle due by April 1, 2026. Each filing consists of a public section, which is posted on the FDIC's website, and a confidential section that remains nonpublic. The public sections of these informational filings are now available for review on the FDIC's website. resolution transparency https://www.fdic.gov/news/press-releases/2026/fdic-approves-deposit-insurance-application-stellantis-bank-usa-salt-lake https://www.fdic.gov/news/press-releases/2026/fdic-approves-deposit-insurance-application-stellantis-bank-usa-salt-lake Thu, 14 May 2026 00:00:00 GMT The FDIC Board of Directors approved a deposit insurance application for Stellantis Bank USA, a Utah-chartered industrial bank to be established by Stellantis Financial Services U.S. Corporation. The bank's business model will focus on providing automotive financing products nationwide, primarily through purchasing retail installment contracts from independent Stellantis dealers, with funding from affiliated entities, brokers, and consumers through digital channels. The approval is subject to conditions including maintaining a minimum 15 percent tier 1 leverage ratio and capital and liquidity support from Stellantis N.V. and two subsidiaries. The approval order expires if the bank is not established within 12 months unless extended by the FDIC. deposit-insurance regulatory-capital banking https://www.fdic.gov/news/press-releases/2026/fdic-releases-staff-study-deposit-flows-three-failed-banks-spring-2023 https://www.fdic.gov/news/press-releases/2026/fdic-releases-staff-study-deposit-flows-three-failed-banks-spring-2023 Thu, 14 May 2026 00:00:00 GMT The FDIC released a staff study analyzing deposit flows at Silicon Valley Bank, Signature Bank, and First Republic Bank during their failures in spring 2023. The study used transaction-level data to examine depositor behavior on a day-by-day basis during what were the fastest bank runs in U.S. history. Key findings showed that depositors with substantial uninsured funds were far more likely to withdraw their money, while fully insured retail depositors generally did not run prior to the failures. The analysis also revealed that the largest depositors at all three banks were significantly more likely to withdraw all or nearly all their deposits, including accounts used for business operations, regardless of insurance status. bank-failure deposit-insurance liquidity-risk https://www.fdic.gov/news/press-releases/2026/fdic-issues-list-banks-examined-cra-compliance-3 https://www.fdic.gov/news/press-releases/2026/fdic-issues-list-banks-examined-cra-compliance-3 Tue, 05 May 2026 00:00:00 GMT The Federal Deposit Insurance Corporation issued its list of state nonmember banks that were recently evaluated for compliance with the Community Reinvestment Act, covering ratings assigned in February 2026. The CRA is a 1977 law requiring the FDIC to assess how well banks meet the credit needs of their entire communities, including low- and moderate-income neighborhoods, while maintaining safe and sound operations. Under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, these CRA evaluations and ratings must be publicly disclosed for examinations conducted on or after July 1, 1990. Banks are required by law to make their individual CRA evaluations available upon request, and the public can also obtain copies through the FDIC's Public Information Center. cra community-reinvestment-act examination-process https://www.fdic.gov/news/press-releases/2026/anchor-bank-assumes-insured-deposits-community-bank-and-trust-west-georgia https://www.fdic.gov/news/press-releases/2026/anchor-bank-assumes-insured-deposits-community-bank-and-trust-west-georgia Fri, 01 May 2026 00:00:00 GMT The Georgia Department of Banking and Finance closed Community Bank and Trust - West Georgia of LaGrange, Georgia, with the FDIC appointed as receiver. Anchor Bank of Palm Beach Gardens, Florida agreed to assume substantially all insured deposits and acquire certain assets, with the three branches reopening as Anchor Bank branches. As of December 31, 2025, the failed bank reported total assets of $288 million and total deposits of $268 million, with approximately $27 million in deposits exceeding FDIC insurance limits. The FDIC estimates the failure will cost its Deposit Insurance Fund approximately $97 million, marking the second bank failure in the nation for 2026. bank-failure bank-closing receivership https://www.fdic.gov/news/press-releases/2026/agencies-issue-host-state-loan-deposit-ratios https://www.fdic.gov/news/press-releases/2026/agencies-issue-host-state-loan-deposit-ratios Fri, 01 May 2026 00:00:00 GMT Federal bank regulatory agencies jointly issued updated host state loan-to-deposit ratios as required by law, replacing the ratios from May 2025. These ratios compare total loans to total deposits in each state for all banks legally operating there. The ratios are used to enforce the legal prohibition against banks establishing or acquiring branches outside their home state primarily to acquire deposits without meeting the credit needs of those communities. The updated ratios and information on how they evaluate compliance with interstate branching requirements are now available for use by the FDIC, Federal Reserve Board, and Office of the Comptroller of the Currency. interagency banking regulatory-guidance https://www.fdic.gov/news/press-releases/2026/fdic-publishes-march-enforcement-actions https://www.fdic.gov/news/press-releases/2026/fdic-publishes-march-enforcement-actions Fri, 24 Apr 2026 00:00:00 GMT The Federal Deposit Insurance Corporation published its list of administrative enforcement actions taken against banks and individuals during March 2026. The agency issued 22 orders that month, including one consent order, seven orders terminating consent orders, two orders to pay civil money penalties, one combined order of prohibition and order to pay, five orders of prohibition, and six orders of termination of deposit insurance. The FDIC announced that no administrative hearings were scheduled for May 2026. These enforcement actions are part of the FDIC's ongoing regulatory oversight and compliance activities within the banking industry. enforcement consent-order https://www.fdic.gov/news/press-releases/2026/agencies-finalize-changes-community-bank-leverage-ratio https://www.fdic.gov/news/press-releases/2026/agencies-finalize-changes-community-bank-leverage-ratio Thu, 23 Apr 2026 00:00:00 GMT The federal bank regulatory agencies have finalized a rule modifying the community bank leverage ratio to provide greater flexibility and reduce regulatory burden for community banks. The final rule lowers the community bank leverage ratio requirement from nine percent to eight percent, making it easier for community banks to opt into this simplified capital adequacy framework. Additionally, the grace period for banks that temporarily fall out of compliance has been extended from two quarters to four quarters. The framework allows qualifying community banks to use a simple leverage ratio instead of calculating and reporting more complex risk-based capital ratios, while still maintaining capital requirements that promote safety and soundness. These changes take effect on July 1, 2026. rulemaking regulatory-capital community-banks https://www.fdic.gov/news/press-releases/2026/agencies-issue-revised-model-risk-guidance https://www.fdic.gov/news/press-releases/2026/agencies-issue-revised-model-risk-guidance Fri, 17 Apr 2026 00:00:00 GMT The FDIC, along with the Office of the Comptroller of the Currency and the Federal Reserve Board, issued revised model risk management guidance for banking organizations. The updated guidance clarifies that model risk management should be tailored to match the size, complexity, and risk profile of each institution rather than following a one-size-fits-all approach. The guidance emphasizes sound principles for model development, validation, monitoring, governance, and controls, while also addressing considerations for vendor and third-party products. Importantly, the guidance does not establish enforceable standards or prescriptive requirements, meaning non-compliance will not trigger supervisory criticism. In connection with this release, the FDIC rescinded two previous financial institution letters related to model risk management from 2017 and 2021. interagency regulatory-guidance third-party-service-providers https://www.fdic.gov/news/press-releases/2026/principals-us-european-banking-union-and-uk-financial-authorities-meet https://www.fdic.gov/news/press-releases/2026/principals-us-european-banking-union-and-uk-financial-authorities-meet Tue, 14 Apr 2026 00:00:00 GMT The heads of resolution and regulatory authorities, central banks, and finance ministries from the United States, European Banking Union, and United Kingdom will participate in a Trilateral Principal Level Exercise on April 18, 2026. The FDIC will host this meeting, which is part of a regular series of exercises designed to enhance understanding of each jurisdiction's resolution regime for global systemically important banks. The exercise aims to strengthen coordination on cross-border resolution planning and promote confidence in the orderly resolution of G-SIBs. U.S. participants include officials from the Treasury Department, Federal Reserve, FDIC, SEC, and CFTC, while European and U.K. participants include representatives from the Single Resolution Board, European Commission, European Central Bank, His Majesty's Treasury, and Bank of England. resolution systemically-important orderly-liquidation https://www.fdic.gov/news/press-releases/2026/fdic-announces-four-senior-leadership-appointments https://www.fdic.gov/news/press-releases/2026/fdic-announces-four-senior-leadership-appointments Mon, 13 Apr 2026 00:00:00 GMT The Federal Deposit Insurance Corporation announced the appointment of four senior leaders to key positions within the agency. Benjamin Olson was named Director of the Division of Depositor and Consumer Protection, bringing over 24 years of experience from the Federal Reserve, Capital One, and the Consumer Financial Protection Bureau. Shawn Khani was appointed Director of the Division of Resolutions and Receiverships after serving as Acting Director, with prior experience in private sector fixed income trading. Trey Maust was designated as Chief Innovation Officer to promote innovative technology adoption, and Sam Lupas was appointed Deputy Chief of Staff after serving as a senior policy advisor at the Department of Housing and Urban Development. leadership consumer-protection resolution https://www.fdic.gov/news/press-releases/2026/agencies-issue-final-rule-prohibit-use-reputation-risk-regulators https://www.fdic.gov/news/press-releases/2026/agencies-issue-final-rule-prohibit-use-reputation-risk-regulators Tue, 07 Apr 2026 00:00:00 GMT The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation jointly issued a final rule eliminating reputation risk from their supervisory programs. The rule defines reputation risk and prohibits regulators from criticizing or taking adverse action against financial institutions based on reputation risk considerations. It also bars regulators from requiring or encouraging institutions to close customer accounts or take actions based on customers' political, social, cultural, or religious views, constitutionally protected speech, or lawful business activities perceived to present reputation risk. This regulatory action responds to concerns raised in Executive Order 14331 regarding the use of reputation risk as a potential pretext for restricting law-abiding individuals' and businesses' access to financial services based on their beliefs or lawful activities. rulemaking supervision interagency https://www.fdic.gov/news/press-releases/2026/agencies-request-comment-anti-money-launderingcountering-financing https://www.fdic.gov/news/press-releases/2026/agencies-request-comment-anti-money-launderingcountering-financing Tue, 07 Apr 2026 00:00:00 GMT The FDIC, OCC, and NCUA have issued a proposed rule to amend anti-money laundering and countering the financing of terrorism program requirements for supervised institutions. The proposal aims to align agency rules with changes proposed by FinCEN and implements provisions from the Anti-Money Laundering Act of 2020, which directed modernization of the AML/CFT regulatory framework. Key changes include incorporating risk-based program requirements that direct more resources toward higher-risk customers and activities, clarifying that AML/CFT officers must be located in the U.S., and establishing that only significant or systemic program failures would warrant enforcement actions. The proposal also enhances FinCEN's role in agency supervision and enforcement through a new consultation framework and allows banks to share information with FinCEN related to certain supervisory and enforcement actions. rulemaking bsa-aml public-comment https://www.fdic.gov/news/press-releases/2026/fdic-approves-proposal-implement-genius-act-requirements-and-standards https://www.fdic.gov/news/press-releases/2026/fdic-approves-proposal-implement-genius-act-requirements-and-standards Tue, 07 Apr 2026 00:00:00 GMT The Federal Deposit Insurance Corporation's Board of Directors approved a notice of proposed rulemaking to implement requirements and standards under the Guiding and Establishing National Innovation for U.S. Stablecoins Act. The proposed rule establishes a prudential framework for FDIC-supervised permitted payment stablecoin issuers, including requirements for reserve assets, redemption, capital, and risk management standards. It also sets requirements for FDIC-supervised stablecoin issuers and insured depository institutions providing payment stablecoin-related custodial and safekeeping services. The proposal addresses pass-through insurance applicability for deposits held as stablecoin reserves and clarifies that tokenized deposits meeting the statutory definition of "deposit" will be treated the same as other deposit types under the Federal Deposit Insurance Act. Comments on the proposed rule will be accepted for 60 days following Federal Register publication. rulemaking digital-assets deposit-insurance https://www.fdic.gov/news/press-releases/2026/fdic-issues-list-banks-examined-cra-compliance-2 https://www.fdic.gov/news/press-releases/2026/fdic-issues-list-banks-examined-cra-compliance-2 Fri, 03 Apr 2026 00:00:00 GMT The Federal Deposit Insurance Corporation issued its monthly list of state nonmember banks that were evaluated for compliance with the Community Reinvestment Act during January 2026. The CRA, enacted in 1977, requires the FDIC to assess how well banks meet the credit needs of their entire communities, including low- and moderate-income neighborhoods, while maintaining safe and sound operations. Under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, the FDIC is mandated to publicly disclose evaluation ratings for each examined institution. Banks are required by law to make their individual CRA evaluations available upon request, and the public can also obtain these evaluations through the FDIC's Public Information Center. cra community-reinvestment-act examination-process https://www.fdic.gov/news/press-releases/2026/fdic-issues-2026-consumer-compliance-supervisory-highlights https://www.fdic.gov/news/press-releases/2026/fdic-issues-2026-consumer-compliance-supervisory-highlights Tue, 31 Mar 2026 00:00:00 GMT The Federal Deposit Insurance Corporation issued the 2026 edition of its Consumer Compliance Supervisory Highlights on March 31, 2026. This publication aims to enhance transparency regarding the FDIC's consumer compliance supervisory activities by providing a high-level overview of consumer compliance issues identified in 2025 through supervision of state non-member banks and thrifts. The document includes a summary of overall consumer compliance performance for FDIC-supervised institutions in 2025, descriptions of the most frequently cited violations, and an overview of consumer complaint trends. The publication is available on the FDIC's website for banks, consumers, and other stakeholders to review compliance expectations and common regulatory issues. consumer-protection supervision transparency https://www.fdic.gov/news/press-releases/2026/fdic-publishes-february-enforcement-actions https://www.fdic.gov/news/press-releases/2026/fdic-publishes-february-enforcement-actions Fri, 27 Mar 2026 00:00:00 GMT The Federal Deposit Insurance Corporation published its list of administrative enforcement actions taken against banks and individuals during February 2026. The agency issued a total of eight orders and one notice during that month, which included one consent order, one order of prohibition, six orders terminating a total of 100 waiver orders, and one notice. The FDIC also announced that no administrative hearings are scheduled for April 2026. These enforcement actions are part of the FDIC's ongoing regulatory oversight and compliance activities within the banking industry. enforcement consent-order https://www.fdic.gov/news/press-releases/2025/fdic-approves-deposit-insurance-application-erebor-bank-na-columbus-ohio https://www.fdic.gov/news/press-releases/2025/fdic-approves-deposit-insurance-application-erebor-bank-na-columbus-ohio Tue, 16 Dec 2025 00:00:00 GMT The FDIC Board of Directors approved a deposit insurance application for Erebor Bank, N.A., a newly chartered national bank to be headquartered in Columbus, Ohio. The bank's business model will focus on providing deposit and lending products to businesses and individuals in the technology, payment systems, investment, and defense industries, including virtual currency market participants. The approval is subject to several conditions, including implementing protocols for deposit account processing in bank failures, maintaining a minimum 12 percent tier 1 leverage ratio during its first three years, and exercising capital call rights if it falls below well-capitalized status. The approval order expires if the bank is not established within 12 months unless extended by the FDIC. deposit-insurance digital-assets regulatory-capital https://www.fdic.gov/news/press-releases/2025/fdic-board-approves-2026-operating-budget https://www.fdic.gov/news/press-releases/2025/fdic-board-approves-2026-operating-budget Tue, 16 Dec 2025 00:00:00 GMT The FDIC Board of Directors approved a 2026 operating budget of $2.49 billion to support the agency's operations and receivership functions. This represents a $487 million decrease, or 16.4% reduction, from the previous year's budget. The budget reduction reflects staffing decreases resulting from workforce optimization efforts conducted in the first half of 2025, during which the agency streamlined operations while maintaining its ability to fulfill statutory missions. The approved budget continues to provide necessary resources for the FDIC's supervision, insurance, and resolution readiness functions to maintain stability and public confidence in the nation's financial system. supervision insurance-fund leadership https://www.fdic.gov/news/press-releases/2025/fdic-board-directors-approves-final-rule-establishment-and-relocation https://www.fdic.gov/news/press-releases/2025/fdic-board-directors-approves-final-rule-establishment-and-relocation Tue, 16 Dec 2025 00:00:00 GMT The FDIC Board of Directors approved a final rule to streamline processes for establishing and relocating domestic branches and main offices of insured state non-member banks and insured branches of foreign banks. The rule provides that most filings qualifying for expedited processing will be deemed approved three business days after submission and eliminates the FDIC's discretion to remove filings from expedited processing. Additional changes include eliminating filing requirements for de minimis branch facility changes, streamlining filing content requirements, removing public notice and comment requirements, and extending the expiration period for approved filings. The final rule, which is substantially similar to the July 2025 proposal with minor modifications, will take effect 60 days after publication in the Federal Register and is intended to improve speed, certainty, and reduce regulatory burden for branch and main office filings. rulemaking regulatory-burden community-banks https://www.fdic.gov/news/press-releases/2025/fdic-board-directors-issues-interim-final-rule-amend-collection-special https://www.fdic.gov/news/press-releases/2025/fdic-board-directors-issues-interim-final-rule-amend-collection-special Tue, 16 Dec 2025 00:00:00 GMT The FDIC Board of Directors approved an interim final rule to amend the collection of the special assessment designed to recover losses to the Deposit Insurance Fund from the March 2023 failures of Silicon Valley Bank and Signature Bank. The FDIC estimates total recoverable costs at approximately $16.7 billion as of September 30, 2025, and the rule reduces the assessment rate for the eighth collection quarter to avoid overcollection beyond current loss estimates. The rule establishes mechanisms to provide offsets to regular deposit insurance assessments if the FDIC overcollects, particularly following resolution of litigation with SVB Financial Trust, or to collect a final shortfall assessment if undercollection occurs upon termination of the receiverships. The interim final rule becomes effective upon Federal Register publication with a 30-day comment period. rulemaking insurance-fund bank-failure https://www.fdic.gov/news/press-releases/2025/fdic-approves-proposal-establish-genius-act-application-procedures-fdic https://www.fdic.gov/news/press-releases/2025/fdic-approves-proposal-establish-genius-act-application-procedures-fdic Tue, 16 Dec 2025 00:00:00 GMT The FDIC Board of Directors approved a notice of proposed rulemaking to implement application procedures under the GENIUS Act, which allows insured depository institutions to issue payment stablecoins through subsidiaries. FDIC-supervised state nonmember banks and state savings associations must apply to the FDIC for subsidiary approval to become permitted payment stablecoin issuers. The proposed rule establishes requirements for evaluating applications based on statutory factors, processing applications within specified timeframes, and creating an appeal process for denied applications. Comments on the proposed rule will be accepted for 60 days following publication in the Federal Register. rulemaking digital-assets public-comment https://www.fdic.gov/news/press-releases/2025/interagency-statement-occ-and-fdic-withdrawal-interagency-leveraged https://www.fdic.gov/news/press-releases/2025/interagency-statement-occ-and-fdic-withdrawal-interagency-leveraged Fri, 05 Dec 2025 00:00:00 GMT The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation are rescinding the 2013 Interagency Guidance on Leveraged Lending and the 2014 related FAQs, effective December 5, 2025. The agencies determined that the guidance was overly restrictive and impeded banks' risk management in leveraged lending, resulting in banks losing market share to nonbanks and pushing this lending activity outside the regulatory perimeter. Additionally, the guidance was never properly submitted to Congress as required under the Congressional Review Act. Banks are now expected to manage leveraged lending exposures using general principles for safe and sound lending rather than the specific 2013 framework, with any future guidance to be issued through a notice and comment process. interagency regulatory-guidance credit-risk https://www.fdic.gov/news/press-releases/2025/fdic-issues-list-banks-examined-cra-compliance-10 https://www.fdic.gov/news/press-releases/2025/fdic-issues-list-banks-examined-cra-compliance-10 Fri, 05 Dec 2025 00:00:00 GMT The Federal Deposit Insurance Corporation issued its monthly list of state nonmember banks that were evaluated for compliance with the Community Reinvestment Act during September 2025. The CRA, enacted in 1977, requires the FDIC to assess how well banks meet the credit needs of their entire communities, including low- and moderate-income neighborhoods, while maintaining safe and sound operations. Under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, the FDIC is mandated to publicly disclose evaluation ratings for each examined institution. Banks are required by law to make their individual CRA evaluations available upon request, and the public can also obtain these evaluations through the FDIC's Public Information Center. cra community-reinvestment-act examination-process https://www.fdic.gov/news/press-releases/2025/fdic-issues-cra-examination-schedule-first-quarter-2026 https://www.fdic.gov/news/press-releases/2025/fdic-issues-cra-examination-schedule-first-quarter-2026 Fri, 28 Nov 2025 00:00:00 GMT The Federal Deposit Insurance Corporation has released its schedule of financial institutions that will undergo Community Reinvestment Act examinations during the first quarter of 2026, covering January 1 through March 31. Federal regulations require bank and thrift regulators to publish CRA examination schedules at least 30 days before each quarter begins. The examination frequency depends on an institution's asset size and CRA rating, with smaller institutions rated Satisfactory examined no more than once every 48 months and those rated Outstanding examined no more than once every 60 months, absent reasonable cause. The FDIC encourages public comment on institutions scheduled for examination, with all comments received prior to examination completion being considered in the review process. cra community-reinvestment-act examination-process https://www.fdic.gov/news/press-releases/2025/fdic-publishes-october-enforcement-actions https://www.fdic.gov/news/press-releases/2025/fdic-publishes-october-enforcement-actions Fri, 28 Nov 2025 00:00:00 GMT The Federal Deposit Insurance Corporation published its list of administrative enforcement actions taken against banks and individuals during October 2025. The agency issued eight orders total, consisting of two orders terminating consent orders, four orders of prohibition from further participation, one combined order of prohibition with payment and restitution requirements, and one order terminating a Section 19 order. No administrative hearings are scheduled for December 2025. These enforcement actions are part of the FDIC's ongoing regulatory oversight of financial institutions and industry participants. enforcement consent-order supervision https://www.fdic.gov/news/press-releases/2025/agencies-issue-final-rule-modify-certain-regulatory-capital-standards https://www.fdic.gov/news/press-releases/2025/agencies-issue-final-rule-modify-certain-regulatory-capital-standards Tue, 25 Nov 2025 00:00:00 GMT The federal bank regulatory agencies issued a final rule modifying certain regulatory capital standards to reduce disincentives for banking organizations to engage in lower-risk activities such as intermediating in U.S. Treasury markets. The rule adjusts leverage capital standards for the largest and most systemically important banking organizations to serve as a backstop to risk-based capital requirements. For depository institution subsidiaries, the final rule caps the enhanced supplementary leverage ratio standard at one percent, making the overall requirement no more than four percent, which differs from the original proposal. The agencies estimate that overall capital levels will remain broadly unchanged, with tier 1 capital requirements for affected bank holding companies reduced by less than two percent. The final rule takes effect on April 1, 2026, with banking organizations having the option to adopt the modified standards beginning January 1, 2026. rulemaking regulatory-capital systemically-important https://www.fdic.gov/news/press-releases/2025/fdic-releases-public-sections-informational-filings-six-large-banks https://www.fdic.gov/news/press-releases/2025/fdic-releases-public-sections-informational-filings-six-large-banks Tue, 25 Nov 2025 00:00:00 GMT The Federal Deposit Insurance Corporation released the public sections of informational filings for six large insured depository institutions with total assets between $50 billion and $100 billion. Under FDIC regulations, covered institutions in this asset range must submit informational filings every three years to support the agency's resolution readiness planning in case of material financial distress or failure. The filing submissions were due by October 1, 2025, and the public portions are now available on the FDIC's website. These filings are part of the FDIC's framework for maintaining preparedness to resolve large bank failures under the Federal Deposit Insurance Act. resolution transparency banking https://www.fdic.gov/news/press-releases/2025/agencies-issue-proposal-enhance-community-banks-ability-serve-their https://www.fdic.gov/news/press-releases/2025/agencies-issue-proposal-enhance-community-banks-ability-serve-their Tue, 25 Nov 2025 00:00:00 GMT The federal bank regulatory agencies have proposed changes to the community bank leverage ratio framework that would reduce the requirement from nine percent to eight percent and extend the grace period for compliance from two to four quarters. The proposal aims to reduce regulatory burden and provide community banks with greater flexibility in capital management while maintaining safety and soundness standards. Banks that opt into this simplified framework are not required to calculate and report risk-based capital ratios, though the leverage ratio would remain double the minimum required for banks not using the framework. The agencies are accepting public comments on the proposal for 60 days after Federal Register publication. rulemaking community-banks regulatory-capital https://www.fdic.gov/news/press-releases/2025/fdic-finalizes-regulatory-threshold-updates-and-indexing-reflect-inflation https://www.fdic.gov/news/press-releases/2025/fdic-finalizes-regulatory-threshold-updates-and-indexing-reflect-inflation Tue, 25 Nov 2025 00:00:00 GMT The FDIC Board of Directors approved a final rule updating certain regulatory thresholds to reflect historical inflation and establishing a framework for future inflation-based adjustments. The rule modifies thresholds under 12 CFR part 363 related to annual independent audit and reporting requirements for insured depository institutions. The changes are designed to provide meaningful burden relief for community banks by preserving regulatory thresholds in real terms and avoiding unintended policy consequences. Institutions currently subject to part 363 requirements that fall below the updated thresholds will receive immediate relief when the new thresholds take effect on January 1, 2026. rulemaking regulatory-burden community-banks https://www.fdic.gov/news/press-releases/2025/fdic-appoints-dana-t-wade-deputy-chairman-and-chief-staff https://www.fdic.gov/news/press-releases/2025/fdic-appoints-dana-t-wade-deputy-chairman-and-chief-staff Mon, 24 Nov 2025 00:00:00 GMT The Federal Deposit Insurance Corporation announced that its Board of Directors has approved the appointment of Dana T. Wade as Deputy to the Chairman and Chief of Staff. In this position, Wade will advise the Acting Chairman on agency issues, manage day-to-day operations, and oversee all divisions and offices of the FDIC. Wade brings nearly two decades of financial sector experience, including previous roles as Commissioner of the Federal Housing Administration and Assistant Secretary of Housing at HUD, as well as senior positions at the Office of Management and Budget and multiple Congressional committees. She most recently served as an executive at the Peter J. Peterson Foundation and holds degrees in economics from Georgetown University and an MBA from the Wharton School. leadership https://www.fdic.gov/news/press-releases/2025/fdic-insured-institutions-reported-return-assets-127-percent-and-net https://www.fdic.gov/news/press-releases/2025/fdic-insured-institutions-reported-return-assets-127-percent-and-net Mon, 24 Nov 2025 00:00:00 GMT FDIC-insured institutions reported a return on assets of 1.27 percent and net income of $79.3 billion in the third quarter of 2025, representing a $9.4 billion increase from the prior quarter. The earnings growth was primarily driven by lower provision expense and higher net interest income, with the net interest margin increasing 9 basis points to 3.34 percent. Asset quality metrics remained generally favorable, though certain loan portfolios including commercial real estate, multifamily, auto, and credit card showed continued weakness above pre-pandemic averages. The Deposit Insurance Fund reserve ratio increased 4 basis points to 1.40 percent, while domestic deposits grew for the fifth consecutive quarter and total loan balances increased 1.2 percent from the prior quarter. financial-results insurance-fund deposit-insurance https://www.fdic.gov/news/press-releases/2025/federal-bank-regulatory-agencies-release-2024-small-business-small-farm https://www.fdic.gov/news/press-releases/2025/federal-bank-regulatory-agencies-release-2024-small-business-small-farm Thu, 13 Nov 2025 00:00:00 GMT The federal bank regulatory agencies, as members of the Federal Financial Institutions Examination Council, released data on small business, small farm, and community development lending activity during 2024. The Community Reinvestment Act regulations mandate that these agencies disclose this lending data on an annual basis. The FFIEC prepared aggregate reports covering small business and small farm lending for each metropolitan statistical area and county across the United States and its territories. This data release fulfills the agencies' regulatory obligation to provide transparency regarding financial institutions' lending activities in their communities. cra community-reinvestment-act interagency https://www.fdic.gov/news/press-releases/2025/fdic-issues-list-banks-examined-cra-compliance-9 https://www.fdic.gov/news/press-releases/2025/fdic-issues-list-banks-examined-cra-compliance-9 Mon, 03 Nov 2025 00:00:00 GMT The Federal Deposit Insurance Corporation issued its monthly list of state nonmember banks that were evaluated for compliance with the Community Reinvestment Act during August 2025. The CRA, enacted in 1977, requires the FDIC to assess how well banks meet the credit needs of their entire communities, including low- and moderate-income neighborhoods, while maintaining safe and sound operations. Under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, the FDIC is mandated to publicly disclose evaluation ratings for each examined institution. Individual bank CRA evaluations are available directly from the banks themselves or through the FDIC's Public Information Center, and a consolidated list of all evaluated state nonmember banks since July 1990 can be obtained from the agency. cra community-reinvestment-act examination-process