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U.S. Policy timeline

Proposals, final rules, guidance and court actions from U.S. authorities. See non-U.S. authority records.

Source dates identify the recorded document or agency action; they do not establish when a rule became binding. Effective and compliance dates appear only where explicitly identified. This is a selected timeline, not a complete docket or deadline calendar. Library updated 2026-10-01T12:13:55-06:00. Milestones use the dates stated in their linked sources. Targeted additions do not establish a review of every policy or court docket. Each entry retains its recorded source status.

122 timeline entries

  1. Targeted plan due date in official source
    Federal Reserve / FDIC · Targeted plan due date

    American Express coordinated-sale resolution strategy feedback ↗

    No formal shortcoming; strategy review requested

    Implementation milestone identified in the linked official source.

  2. Compliance date in official source
    CFPB · Compliance date

    Section 1071 small-business lending — 2026 final rule ↗

    Final; compliance Jan 1, 2028

    Coverage and implementation conditions apply

  3. Compliance date in official source
    FDIC · Compliance date

    FDIC digital signs and ATM disclosures — 2026 final rule ↗

    Effective; compliance Apr 1, 2027

    Applies to the January 2026 amendments

  4. Stated end date in official source
    FinCEN · Stated end date

    Border MSB order — expanded geographic coverage and October compliance date ↗

    Temporary order; stated term September 3, 2026–March 1, 2027; injunction exceptions apply

    Stated order term; verify any renewal or court disposition before treating obligations as ended.

  5. Separate model/reporting proposal comments due date in official source
    Federal Reserve · Separate model/reporting proposal comments due date

    Federal Reserve stress-test transparency and capital-buffer rules ↗

    Final rules announced September 30; the averaging provision applies to buffers effective January 1, 2029. A separate fee-income model change remains proposed.

    Comment deadline for the separate proposed stress-test model and reporting changes; this is not a final-rule implementation deadline.

  6. Comments due date in official source
    Federal Reserve · Comments due date

    GENIUS Act — published Fed implementation proposal ↗

    Proposed

    Implementation milestone identified in the linked official source.

    Read the analysis →
  7. Comments due date in official source
    Federal Reserve · Comments due date

    GENIUS Act — published Fed application procedures ↗

    Proposed

    Implementation milestone identified in the linked official source.

    Read the analysis →
  8. Comments due date in official source
    FDIC · Comments due date

    State-bank parity — FDIC host-state-law proposal ↗

    Proposed; comments due November 23, 2026

    Implementation milestone identified in the linked official source.

  9. Comments due date in official source
    Federal Reserve · Comments due date

    Regulation O modernization — comment deadline extended ↗

    Proposed; comments due November 4, 2026

    Extended comment deadline for the Regulation O proposal; existing Regulation O remains operative.

  10. Effective date in official source
    OCC / FDIC · Effective date

    Unsafe or unsound practices — OCC/FDIC final rule ↗

    Effective November 2, 2026

    Final rule; future effective date at review

    Read the analysis →
  11. Effective date in official source
    OCC / FDIC · Effective date

    Unsafe or unsound practices — OCC docket-number correction ↗

    Clerical correction; November 2, 2026 effective date unchanged

    Implementation milestone identified in the linked official source.

    Read the analysis →
  12. Comments due date in official source
    OCC / Federal Reserve / FDIC · Comments due date

    18-month examination cycle — eligibility expanded below $6 billion ↗

    Effective September 14, 2026; comments due October 14

    Implementation milestone identified in the linked official source.

    Read the analysis →
  13. Newly covered compliance date in official source
    FinCEN · Newly covered compliance date

    Border MSB order — expanded geographic coverage and October compliance date ↗

    Temporary order; stated term September 3, 2026–March 1, 2027; injunction exceptions apply

    Applies only to businesses not covered under the March 2026 order; court-injunction exceptions remain.

  14. Source / action date
    Federal Reserve · Proposed rule; comment-period extension

    Regulation O modernization — comment deadline extended ↗

    Proposed; comments due November 4, 2026

    The October 2 notice extends comments from October 5 to November 4 on the proposal published August 4 (91 FR 49526). Proposed changes address insider-lending thresholds, passive investment-fund interests, statutory requirements and existing interpretations. The extension does not finalize the amendments or replace current Regulation O.

  15. Source / action date
    Treasury / OFAC · Sanctions designations

    Hamas financing network — OFAC designations ↗

    Designations announced October 2, 2026

    OFAC designated three individuals and two entities under EO 13224, as amended. Treasury describes alleged fundraising through charitable fronts and cryptocurrency channels. The designations are operative sanctions actions, distinct from a criminal conviction; blocking and transaction scope depend on the official sanctions materials.

  16. Source / action date
    Treasury / FinCEN / OFAC · Proposed special measure; separate sanctions designation

    A7 Network — FinCEN proposed special measure and OFAC designation ↗

    FinCEN NPRM is on public inspection and scheduled for Federal Register publication October 5, 2026; the restriction remains proposed. The separate OFAC designation was announced October 1.

    FinCEN identifies transactions involving foreign companies controlled by A7 as a class of primary money-laundering concern and proposes prohibiting certain fund transmittals by covered financial institutions. Separately, OFAC designated the A7 Network; the designation and applicable blocking rules are distinct from the pending proposal. The comment period closes 30 days after Federal Register publication.

  17. Source / action date
    Treasury / OFAC · Sectoral determinations and sanctions designations

    Iran automotive and rail sectors — OFAC determinations and designations ↗

    Determinations and designations announced October 1, 2026

    OFAC issued automotive- and rail-sector determinations under EO 13902 and designated Iranian industrial businesses and foreign suppliers under EOs 13902 and 13871. The determinations authorize sanctions against persons operating in the sectors; they do not by themselves designate every sector participant. Separate from the A7 proposed special measure.

  18. Automatic enrollment on or about date in official source
    Treasury / IRS · Automatic enrollment on or about date

    Trump Accounts — temporary rules and auto-enrollment ↗

    Temporary regulations effective September 30

    Implementation milestone identified in the linked official source.

  19. Comments due date in official source
    FinCEN · Comments due date

    Banque Misr UAE — proposed correspondent-account restrictions ↗

    Proposed; comments due October 1, 2026

    Implementation milestone identified in the linked official source.

    Read the analysis →
  20. Source / action date
    Federal Reserve · Two final rules; separate fee-income model proposal

    Federal Reserve stress-test transparency and capital-buffer rules ↗

    Final rules announced September 30; the averaging provision applies to buffers effective January 1, 2029. A separate fee-income model change remains proposed.

    One final rule averages two annual stress-test capital declines for firms tested in both years and shifts the annual effective date to January 1. The companion final rule adds annual public input on scenarios and material model changes; the Fed separately solicited comment on its noninterest-income model. The separate model/reporting notice was published October 2 (91 FR 62729); comments are due December 1, 2026. Its reporting revisions would apply to the December 31, 2027 report date if adopted.

  21. Source / action date
    Treasury / IRS · Temporary regulations effective; companion proposal

    Trump Accounts — temporary rules and auto-enrollment ↗

    Temporary regulations effective September 30

    Section 530A temporary rules; auto-enrollment on or about October 1, eligibility and claiming requirements apply. Companion proposal is separate.

  22. Source / action date
    Federal Reserve · Final rule — earlier rate action codified

    Regulation A — September discount-rate codification ↗

    Rule effective September 30; rates applicable September 17

    Primary credit 4.00%, secondary 4.50%. Implements earlier September 16 approval, not an additional September 30 rate increase.

  23. Source / action date
    Treasury / OFAC · Final sanctions rule — effective September 30

    Cuba sanctions — new 31 CFR part 516 ↗

    Final rule effective September 30

    Abbreviated implementation of EO 14404; separate from part 515. Counterparty blocking and correspondent restrictions depend on applicable OFAC action.

  24. Source / action date
    Treasury / OFAC · Sanctions designations

    Tren de Aragua — ATM-fraud network sanctions ↗

    Designations announced September 30, 2026

    OFAC designated targets it associates with a Tren de Aragua ATM-malware and money-laundering network, plus a senior leader, under EOs 13581 and 13224, as amended. Treasury’s descriptions of criminal conduct are agency allegations, not a court judgment. Blocking and transaction scope follow the official designations and applicable sanctions rules.

  25. Source / action date
    Treasury / OFAC · Sanctions designations

    Sinaloa financial-facilitator designations ↗

    Designations announced September 29, 2026

    Covered U.S. property is blocked; ownership and transaction scope must follow official sanctions materials. Criminal conduct is alleged by Treasury, not adjudicated here.

  26. Source / action date
    SBA · Final rule

    SBA Title VI amendments — 13 CFR part 112 ↗

    Effective September 29, 2026

    Removes specified affirmative-action and disparate-impact provisions and revises the employment provision in SBA’s federally assisted-program regulations. Intentional discrimination remains prohibited; amendments are confined to part 112.

    Read the analysis →
  27. Source / action date
    Treasury / OFAC · Sanctions designations

    OFAC Iranian procurement-network designations ↗

    Designations announced September 29, 2026

    Treasury announced ten designations under EO 13382, with blocking, aggregate 50-percent ownership and specified foreign-financial-institution transaction risks described in the release.

  28. Source / action date
    Federal Reserve / FDIC · Supervisory feedback

    Fed/FDIC feedback on 15 large-bank resolution plans ↗

    No formal shortcomings or deficiencies identified

    September 29 assessment of October 2025 submissions; BNP Paribas’s 2021 shortcoming was satisfactorily addressed. Specific feedback can still require attention despite no formal deficiency.

  29. Source / action date
    Federal Reserve / FDIC · Supervisory feedback

    American Express coordinated-sale resolution strategy feedback ↗

    No formal shortcoming; strategy review requested

    Agencies identify significant uncertainty in coordinating bank receivership and bankruptcy asset sales and ask AmEx to review its strategy for the July 1, 2028 targeted plan. The OCC Comptroller dissented from the feedback.

  30. Source / action date
    Federal Reserve · Proposed rule

    GENIUS Act — published Fed implementation proposal ↗

    Proposed

    Published September 29, 2026; comments due November 30. Proposed requirements for Board-supervised issuers and other specified entities, including broader tying provisions. Not a final rule.

    Read the analysis →
  31. Source / action date
    Federal Reserve · Proposed rule

    GENIUS Act — published Fed application procedures ↗

    Proposed

    Published September 29, 2026; comments due November 30. Proposed approval procedures for an insured state member bank seeking a payment-stablecoin-issuing subsidiary.

    Read the analysis →
  32. Effective date in official source
    SBA · Effective date

    SBA Title VI amendments — 13 CFR part 112 ↗

    Effective September 29, 2026

    Implementation milestone identified in the linked official source.

    Read the analysis →
  33. Source / action date
    SEC · Settled administrative order

    SEC Zoe Financial referral-conflict settlement ↗

    Cease-and-desist order, censure and $450,000 penalty

    September 28 order finds inadequate and misleading conflict disclosures in adviser referrals. Zoe consented without admitting the findings except jurisdiction. The order distinguishes algorithmic matches from salesperson recommendations.

  34. Source / action date
    Federal Reserve · Proposed rule

    GENIUS Act — Federal Reserve implementation proposals ↗

    Proposed

    Announced September 24; both proposals published September 29, 2026. Comments due November 30. Substantive requirements and application procedures remain proposed; see the separate published notices below.

    Read the analysis →
  35. Source / action date
    FTC · Proposed rule

    Impersonation scams and platforms — FTC 2026 advance notice ↗

    Advance notice; not final

    Seeks input on possible changes to the government-and-business impersonation rule, including the role of platforms and services in facilitating scams. An advance notice explores options; it does not impose the contemplated new duties.

  36. Source / action date
    Federal Reserve · Supervisory statement

    Updated Statement of Supervisory Operating Principles — Federal Reserve, September 24, 2026 ↗

    Federal Reserve supervisory instructions; September 24 statement supersedes April 21 version. Guidance for Federal Reserve supervision, not a statute or other agencies’ policy.

    Clarifies supervisory escalation, descriptions of findings and evidence for remediation closure; see the official statement and accompanying PDF.

  37. Source / action date
    Federal Reserve / Federal Reserve Bank of Chicago · Written agreement

    Ontario Bancorporation — source-of-strength and capital agreement ↗

    Binding agreement dated September 24, 2026; publicly announced October 2

    The holding-company agreement requires a capital plan within 60 days and a 2026 cash-flow projection within 30 days, and prior approval for specified distributions and debt transactions. It references the separate August 6 FDIC/Wisconsin order for Bank of Ontario. These are institution-specific measures; written extensions are permitted by the agreement.

  38. Source / action date
    U.S. District Court, N.D. California · Court order

    Apple Pay card-issuer class certification ↗

    Class certified; no liability or damages judgment

    Case 22-cv-04174-JSW: U.S. issuers of Apple Pay-enabled cards that paid transaction fees. Signed September 23 order inspected through counsel-hosted copy; certification does not decide merits or alter fees.

  39. Source / action date
    FDIC · Proposed rule

    State-bank parity — FDIC host-state-law proposal ↗

    Proposed; comments due November 23, 2026

    Published September 22 after September 17 approval. Proposes host-state-law parity for out-of-state state banks serving customers with or without a branch. It would not change loan-interest-rate authority or itself determine that a particular state law is preempted.

  40. Source / action date
    OCC / FDIC · Final rule correction

    Unsafe or unsound practices — OCC docket-number correction ↗

    Clerical correction; November 2, 2026 effective date unchanged

    September 22 notice corrects the OCC docket identifier to OCC-2025-0174 in the September 1 final rule. It does not change the substantive requirements or the November 2 effective date. Read with the retained original rule.

    Read the analysis →
  41. Source / action date
    OCC · Guidance

    Cybersecurity supervision — OCC 2026-48 ↗

    Updated examiner work program

    Updates the structure and references of the Cybersecurity Supervision Work Program and rescinds the 2023 bulletin. The OCC says the update adds no procedures and establishes no new regulatory expectations.

  42. Source / action date
    Congress · Pending bill

    CFPB reform — adopted committee substitute ↗

    Committee-approved substitute

    BARR_154 substitute adopted September 16; proposed changes are not current law.

    Read the analysis →
  43. Source / action date
    Congress · Legislative record

    CLARITY Act — September 15 Senate action ↗

    Procedural record

    Official floor record of the unsuccessful cloture vote on proceeding.

    Read the analysis →
  44. Source / action date
    OCC / FDIC / Federal Reserve / NCUA · Proposed policy

    Third-party risk management — September 2026 proposal ↗

    Proposed; comments due Nov 16

    Proposes tailored interagency guidance and replacement of existing guidance if finalized. Comments are due November 16, 2026; the proposal itself does not replace the current framework.

    Read the analysis →
  45. Source / action date
    Congress · Pending bill

    CLARITY Act — September Senate substitute ↗

    Proposed legislation

    September 14 proposed substitute EHF26724; not enacted law.

    Read the analysis →
  46. Source / action date
    OCC / Federal Reserve / FDIC · Interim final rule

    18-month examination cycle — eligibility expanded below $6 billion ↗

    Effective September 14, 2026; comments due October 14

    Raises the asset threshold from $3 billion to less than $6 billion for qualifying institutions. Ratings, capital and other eligibility conditions still apply, and agencies retain authority to examine more frequently. This is an effective interim final rule accepting comments, not merely a proposal.

    Read the analysis →
  47. Effective date in official source
    OCC / Federal Reserve / FDIC · Effective date

    18-month examination cycle — eligibility expanded below $6 billion ↗

    Effective September 14, 2026; comments due October 14

    Implementation milestone identified in the linked official source.

    Read the analysis →
  48. Source / action date
    OCC / Federal Reserve / FDIC · Supervisory statement

    Core service providers — community-bank supervision statement ↗

    Issued supervisory guidance

    September 11 statement identifies transparency, contract terms and technology as factors in allocating supervisory attention to core providers. Community banks retain responsibility for safe operations and compliance. This statement is separate from the proposed general third-party guidance.

    Read the analysis →
  49. Source / action date
    FinCEN / OCC / Federal Reserve / FDIC / NCUA · Agency FAQs

    Digital credentials — customer-identification FAQs ↗

    Guidance; existing CIP requirements remain

    September 8 FAQs explain when unexpired government-issued digital credentials can support documentary identity verification under existing CIP requirements. Acceptance is optional; credentials and systems must meet the stated safeguards. The FAQs create no new BSA requirements or supervisory expectations.

    Read the analysis →
  50. Source / action date
    FinCEN · Geographic targeting order

    Border MSB order — expanded geographic coverage and October compliance date ↗

    Temporary order; stated term September 3, 2026–March 1, 2027; injunction exceptions apply

    Covers specified Texas and New Mexico ZIP codes and certain currency transactions of $1,000–$10,000. October 3 compliance applies only to newly covered businesses. The order expressly excludes businesses protected by an applicable injunction while it remains in force; individual coverage requires checking those terms.

  51. Effective date in official source
    FinCEN · Effective date

    Border MSB order — expanded geographic coverage and October compliance date ↗

    Temporary order; stated term September 3, 2026–March 1, 2027; injunction exceptions apply

    Implementation milestone identified in the linked official source.

  52. Source / action date
    Federal Reserve · Enforcement order

    United Texas Bank — termination of 2024 cease-and-desist order ↗

    The Federal Reserve terminated the August 29, 2024 order effective September 2, 2026; historical action, no longer active.

    The Federal Reserve terminated the August 29, 2024 order effective September 2, 2026; historical action, no longer active.

    Read the analysis →
  53. Source / action date
    OCC / FDIC · Final rule

    Unsafe or unsound practices — OCC/FDIC final rule ↗

    Effective November 2, 2026

    Final definitions and related supervisory standards, effective November 2, 2026. The September 22 correction changes the OCC docket number to OCC-2025-0174 only; the substantive rule and effective date are unchanged.

    Read the analysis →
  54. Source / action date
    FinCEN · Proposed rule

    Banque Misr UAE — proposed correspondent-account restrictions ↗

    Proposed; comments due October 1, 2026

    FinCEN identifies the defined five UAE branches as a primary money-laundering concern and proposes correspondent-account restrictions and special diligence. The finding is the agency’s assessment; the proposed special measure is not a final prohibition and does not cover Banque Misr operations in other countries.

    Read the analysis →
  55. Source / action date
    Congress · Pending bill

    CFPB Accountability and Reform Act — H.R. 10184 ↗

    Introduced legislation

    Introduced text; compare with the subsequently adopted committee substitute.

    Read the analysis →
  56. Source / action date
    FinCEN · Final rule

    Beneficial ownership reporting — August 2026 final rule ↗

    Effective August 14, 2026

    Revises CTA reporting; distinct from a bank’s customer due-diligence obligations.

  57. Effective date in official source
    CFPB · Effective date

    ECOA / Regulation B — April 2026 final amendments ↗

    Effective; July 21, 2026

    Implementation milestone identified in the linked official source.

    Read the analysis →
  58. Source / action date
    OCC · Guidance

    Allowances for Credit Losses — July 2026 handbook revision ↗

    Current posted supervisory guidance

    Transmits version 2.0 of the allowance handbook under ASC Topic 326, replacing the 2021 booklet and older loan-and-lease-loss material. Reflects CECL adoption and the April 2023 interagency allowance-policy revisions.

    Read the analysis →
  59. Source / action date
    Congress · Law

    21st Century ROAD to Housing Act — Public Law 119-101 ↗

    Enacted; dates vary by section

    Housing, mortgage and bank-funding provisions; includes Keeping Deposits Local in section 902.

    Read the analysis →
  60. Source / action date
    Supreme Court · Court decision

    Trump v. Slaughter — Supreme Court opinion ↗

    Decided June 29, 2026

    FTC commissioner removal protection and presidential control of executive officials.

    Read the analysis →
  61. Source / action date
    Supreme Court · Court decision

    Trump v. Cook — Supreme Court opinion ↗

    Stay denied June 29, 2026

    Federal Reserve governor removal, statutory process and the limits of the stay ruling.

    Read the analysis →
  62. Source / action date
    OCC · Guidance

    Lending and loan portfolio risk management — OCC 2026-29 ↗

    Updated examination guidance

    Introduces the updated Comptroller’s Handbook booklet and identifies superseded materials. Use the linked booklet for portfolio oversight and lending-risk examination practices, alongside product-specific guidance.

  63. Source / action date
    FinCEN · Guidance

    Section 314(b) — updated fraud-sharing guidance ↗

    Current agency guidance

    Links to the June 12, 2026 fact sheet and current participation resources.

    Read the analysis →
  64. Source / action date
    OCC / FDIC / Federal Reserve · Guidance

    Reputation risk — interagency guidance revisions ↗

    Updated guidance

    Removes additional reputation-risk references from interagency documents.

    Read the analysis →
  65. Source / action date
    Congress · Legislative record

    Keeping Deposits Local — H.R. 3234 House-passed text ↗

    Earlier bill; compare enacted law

    Legislative history: its upper tier differs from enacted Public Law 119-101 section 902.

    Read the analysis →
  66. Source / action date
    OCC · Enforcement order

    Community Federal Savings Bank — OCC BSA/AML consent order ↗

    Binding OCC consent order announced May 21, 2026. Status checked September 28, 2026; consult the order and OCC action page for current requirements.

    Binding OCC consent order announced May 21, 2026. Status checked September 28, 2026; consult the order and OCC action page for current requirements.

    Read the analysis →
  67. Source / action date
    Federal Reserve · Proposed rule

    Federal Reserve payment-account proposal ↗

    Proposed

    Separate limited-account proposal; does not expand statutory eligibility.

    Read the analysis →
  68. Source / action date
    FFIEC · Proposed policy

    CAMELS / UFIRS revisions proposal ↗

    Proposed

    Proposed changes to the Uniform Financial Institutions Rating System.

    Read the analysis →
  69. Source / action date
    CFPB · Final rule

    Section 1071 small-business lending — 2026 final rule ↗

    Final; compliance Jan 1, 2028

    Official implementation page links the May 1, 2026 final rule revising coverage, data collection and other provisions, with compliance extended to January 1, 2028. The CFPB notes that supporting implementation materials will be updated later.

  70. Source / action date
    CFPB · Final rule

    ECOA / Regulation B — April 2026 final amendments ↗

    Effective; July 21, 2026

    Final amendments addressing disparate impact, discouragement and special-purpose credit programs. The Federal Register specifies July 21, 2026 as the effective date; the CFPB’s current ECOA resource page links this action. Read the amended text when using older fair-lending examination materials.

    Read the analysis →
  71. Source / action date
    OCC / FDIC / Federal Reserve · Guidance

    Model risk management — revised SR 26-2 guidance ↗

    Current supervisory guidance

    Replaces SR 11-7 and SR 21-8; emphasizes a tailored, risk-based approach.

    Read the analysis →
  72. Source / action date
    FinCEN / OFAC · Proposed rule

    GENIUS Act — AML and sanctions proposal ↗

    Proposed

    Treasury proposal for stablecoin issuer AML and sanctions compliance programs.

    Read the analysis →
  73. Source / action date
    Federal Reserve · Proposed rule

    FedNow intermediaries — Regulation J proposal ↗

    Proposed

    Would allow additional intermediaries in FedNow transfer chains.

    Read the analysis →
  74. Source / action date
    FDIC · Proposed rule

    GENIUS Act — FDIC requirements proposal ↗

    Proposed

    Proposed standards for FDIC-supervised permitted payment stablecoin issuers.

    Read the analysis →
  75. Source / action date
    FinCEN · Proposed rule

    AML program reform proposal ↗

    Proposed

    April proposal concerning risk-based financial-institution AML programs.

  76. Source / action date
    OCC / FDIC · Final rule

    Reputation risk — OCC/FDIC final rule ↗

    Final rule issued

    Separate OCC/FDIC action; does not establish finality of the Fed proposal.

    Read the analysis →
  77. Original deadline, stayed
    CFPB · Compliance date

    Section 1033: original first compliance date — stayed ↗

    Compliance dates stayed; not an operative deadline

    The original first phase would have begun on this date. The CFPB’s compliance page reports that the court stayed the rule’s compliance dates on October 29, 2025. This row preserves the original schedule, not a current obligation.

    Read the analysis →
  78. Source / action date
    White House · Executive order

    Promoting Access to Mortgage Credit — EO 14393 ↗

    Issued; agency action varies

    Directs consideration of mortgage, capital, liquidity and process reforms.

    Read the analysis →
  79. Effective date in official source
    FDIC · Effective date

    FDIC digital signs and ATM disclosures — 2026 final rule ↗

    Effective; compliance Apr 1, 2027

    Applies to the January 2026 amendments

  80. Source / action date
    OCC · Final rule

    National bank chartering — OCC final clarification ↗

    Effective April 1, 2026

    Clarifies trust-company and related activities under Part 5.

    Read the analysis →
  81. Source / action date
    OCC · Proposed rule

    GENIUS Act — OCC proposed regulations ↗

    Proposed

    OCC proposal and links to implementing regulatory text.

    Read the analysis →
  82. Source / action date
    Federal Reserve · Proposed rule

    Reputation risk — Federal Reserve Part 262 proposal ↗

    Proposed

    Proposal to codify removal of reputation risk from Fed supervisory programs.

    Read the analysis →
  83. Source / action date
    FDIC · Final rule

    FDIC digital signs and ATM disclosures — 2026 final rule ↗

    Effective; compliance Apr 1, 2027

    Amends Part 328 requirements for digital deposit-taking channels, ATMs and related signs. Effective March 2, 2026, with an April 1, 2027 compliance date for these amendments; distinguish this timetable from other Part 328 obligations.

  84. Source / action date
    CFPB · Official collection

    Section 1033 — current compliance and litigation status ↗

    Compliance dates stayed

    CFPB status page notes the October 29, 2025 stay of compliance dates.

    Read the analysis →
  85. Source / action date
    CFPB · Proposed rule

    Section 1033 — reconsideration advance notice ↗

    Advance notice

    Reconsideration questions on representatives, fees, security and privacy.

    Read the analysis →
  86. Source / action date
    NIST · Guidance

    Digital identity — NIST SP 800-63-4 ↗

    Final technical guidance

    Final guidance on identity proofing, authentication and federation, replacing SP 800-63-3. Useful for evaluating assurance levels and vendor controls; it does not independently establish compliance with bank CIP requirements.

  87. Source / action date
    Congress · Law

    GENIUS Act — enacted stablecoin framework ↗

    Enacted; implementation pending

    Public Law 119-27. General effectiveness depends on the statutory timing trigger.

    Read the analysis →
  88. Effective date in final rule
    CFPB · Effective date

    Section 1033 final rule: original effective date ↗

    Historical milestone; compliance dates subsequently stayed

    The November 18, 2024 Federal Register rule specified January 17, 2025 as its effective date. This is distinct from phased compliance dates, which the court stayed on October 29, 2025.

    Read the analysis →
  89. Source / action date
    OCC · Guidance

    Unfair, Deceptive or Abusive Acts or Practices — Comptroller’s Handbook ↗

    Current posted examination handbook

    OCC examination handbook addressing UDAP and UDAAP risks. Read with the underlying statutory standards when reviewing product terms, marketing, servicing and consumer harm. The catalog dates this edition December 3, 2024.

    Read the analysis →
  90. Source / action date
    CFPB · Rule text

    Section 1033 — personal financial data rights rule text ↗

    Compliance dates stayed

    Open-banking provisions; read with the compliance-status page and pending reconsideration.

    Read the analysis →
  91. Source / action date
    NIST · Guidance

    NIST Generative AI Profile — AI 600-1 ↗

    Voluntary framework

    Generative-AI risk considerations and suggested actions.

  92. Source / action date
    OCC / FDIC / Federal Reserve · Guidance

    Third-party deposit arrangements — joint statement ↗

    Supervisory statement

    Responsibility, records and risks in bank-fintech deposit programs.

    Read the analysis →
  93. Source / action date
    OCC / FDIC / Federal Reserve · Guidance

    Community-bank third-party risk management guide ↗

    Voluntary guide

    Practical considerations for community-bank third-party relationships.

    Read the analysis →
  94. Source / action date
    OCC · Guidance

    Buy now, pay later — OCC risk-management guidance ↗

    Current posted supervisory guidance

    Covers loans with four or fewer installments and no finance charge, including repayment capacity, fraud, refunds and partner oversight. Reputation-risk references were removed March 20, 2025. Its older model-risk citation should be read alongside the replacement SR 26-2 guidance.

    Read the analysis →
  95. Source / action date
    OCC / FDIC / Federal Reserve · Guidance

    Interagency third-party relationship guidance ↗

    Supervisory guidance

    Planning, diligence, contracts, monitoring and termination; tailored to risk.

    Read the analysis →
  96. Source / action date
    OCC · Guidance

    Liquidity — Comptroller’s Handbook ↗

    Current posted examination handbook

    Examination guidance for assessing liquidity exposure and the quality of funding-risk management. Connects deposit behavior, available funding and liquidity controls; the agency page identifies version 1.2, May 2023.

    Read the analysis →
  97. Source / action date
    NIST · Guidance

    NIST AI Risk Management Framework ↗

    Voluntary framework

    AI governance and risk-management framework; not a banking regulation.

  98. Source / action date
    CFPB · Guidance

    Debt collection — CFPB examination procedures ↗

    Current posted examination procedures

    March 2022 procedures incorporate Regulation F and cover communications, debt validation, information sharing, payment processing and account maintenance. Examination scope determines the modules used.

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  99. Source / action date
    FTC · Guidance

    Holder Rule — Attorney fees and costs opinion ↗

    Commission interpretive opinion

    The January 2022 opinion explains the rule’s relationship to independent state-law rights to attorney fees and costs; it is not a universal fee entitlement.

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  100. Source / action date
    OCC · Guidance

    OCC — Retail Lending handbook ↗

    Current posted examination handbook

    Retail lending strategy, underwriting, portfolio monitoring, collections and controls; useful context for roll rates and risk-adjusted pricing.

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  101. Source / action date
    OCC · Guidance

    Payment Systems — Comptroller’s Handbook ↗

    Current posted examination handbook

    Overview of payment systems, payment types, operational exposures and risk-management practices. Useful context for bank payment operations and outsourced processing.

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  102. Source / action date
    CFPB · Guidance

    Compliance management and information technology — CFPB examination procedures ↗

    Current posted examination procedures

    Procedures for evaluating technology and service-provider controls as part of consumer-compliance management. Connects system design, oversight and testing to risks of consumer harm.

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  103. Source / action date
    OCC · Guidance

    OCC — Loan-purchase risk management ↗

    Current posted guidance; amended March 2025

    Credit analysis, documentation, monitoring and counterparty considerations for purchased loans and participations. The posted text removes reputation-risk references as of March 20, 2025.

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  104. Source / action date
    OCC / FDIC / Federal Reserve / NCUA · Guidance

    Responsible small-dollar lending — interagency principles ↗

    Current posted supervisory guidance

    Principles for responsibly offering small-dollar credit, with attention to successful repayment, clear terms and sound risk management. Provides product-design context alongside applicable consumer-credit rules.

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  105. Source / action date
    OCC / FDIC / Federal Reserve / NCUA · Guidance

    Independent credit risk review — SR 20-13 ↗

    Supervisory guidance

    Interagency guidance on independent, ongoing credit review and communication of portfolio performance to management and the board. Discusses tailoring review systems to the institution’s size, complexity and risk profile.

  106. Source / action date
    OCC · Guidance

    Interest Rate Risk — Comptroller’s Handbook ↗

    Current posted examination handbook

    Explains repricing, basis, yield-curve and option risk and the management of those exposures. Supports analysis of variable-rate cards, fixed-rate installments and funding-cost sensitivity.

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  107. Source / action date
    OCC / FDIC / Federal Reserve / CFPB / NCUA · Guidance

    Alternative data in credit underwriting — interagency statement ↗

    Current posted supervisory guidance

    Addresses consumer-protection opportunities and risks from alternative underwriting data, including cash-flow data. Encourages analysis of applicable laws and compliance controls before deployment; it does not exempt a model from consumer-protection requirements.

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  108. Source / action date
    CFPB · Guidance

    Automobile finance — CFPB examination procedures ↗

    Current posted examination procedures

    Examination modules span marketing, origination, servicing, collections, repossession, reporting and privacy. The posted August 2019 procedures should be read with later rule changes, including the 2026 Regulation B amendments.

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  109. Source / action date
    OCC · Guidance

    Internal and External Audits — Comptroller’s Handbook ↗

    Current posted examination handbook

    Examiner reference for risks, sound practices and regulatory requirements relating to the bank audit function. Helps distinguish independent assurance from management’s own monitoring.

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  110. Source / action date
    OCC · Guidance

    Fraud risk management — OCC 2019-37 ↗

    Current posted supervisory guidance

    Guidance on fraud governance, prevention, detection, response and loss monitoring across the bank. The posted bulletin marks removal of reputation-risk references on March 20, 2025.

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  111. Source / action date
    OCC · Guidance

    Corporate and Risk Governance — Comptroller’s Handbook ↗

    Current posted examination handbook

    Examination reference for board oversight, management responsibilities and bank risk governance. Use the posted revision notices and applicable rules alongside this July 2019 handbook.

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  112. Source / action date
    Treasury / OFAC · Guidance

    OFAC Framework for Compliance Commitments ↗

    Agency framework

    Sanctions risk assessment, internal controls, testing, training and management commitment.

  113. Source / action date
    OCC · Guidance

    Compliance Management Systems — Comptroller’s Handbook ↗

    Current posted examination handbook

    Consumer-compliance risk management within the OCC’s risk-based examination approach. Useful for evaluating compliance programs and oversight across products and service providers.

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  114. Source / action date
    CFPB · Guidance

    Compliance management review — CFPB examination procedures ↗

    Current posted examination procedures

    Covers management oversight, the compliance program, service-provider controls, violations and consumer harm. Useful for testing whether responsibilities and corrective actions work across the product lifecycle.

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  115. Source / action date
    OCC · Guidance

    Asset-Based Lending — Comptroller’s Handbook ↗

    Current posted examination handbook

    Collateral-based lending risks and examination guidance. Useful for borrowing-base design, collateral monitoring and warehouse-line controls. The catalog identifies the January 2017 edition; use the currently posted booklet and its revision notices.

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  116. Source / action date
    FDIC · Guidance

    Purchased loans and participations — FDIC risk-management advisory ↗

    Posted guidance; revised February 2026

    Guidance for underwriting and administering acquired loans and participations with appropriate independent credit assessment. Originally issued November 6, 2015; the FDIC identifies a February 2026 revision. Useful for forward-flow and loan-purchase diligence.

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  117. Source / action date
    CFPB · Guidance

    Credit-card account management — CFPB examination procedures ↗

    Current posted examination procedures

    Modular examination procedures for credit-card account management. The agency retains the February 2015 update; check current Regulation Z and subsequent policy changes when applying its review steps.

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  118. Source / action date
    OCC / FDIC / Federal Reserve · Guidance

    Credit-card account management and loss-allowance guidance ↗

    Current posted supervisory guidance

    Interagency guidance covering credit limits, over-limit practices, minimum payments, negative amortization and workouts. This is a historical issuance still posted for reference; allowance accounting must also follow current GAAP, CECL guidance and reporting instructions.

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  119. Source / action date
    OCC / FFIEC · Guidance

    Uniform Retail Credit Classification and Account Management Policy ↗

    Current posted interagency policy

    Retail classification and charge-off standards, re-aging criteria, and controls over extensions, deferrals, renewals and rewrites.

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