Laws, rulemaking, supervisory cases and governance.
327 of 327 entries. Dates use publication dates for news/research and recorded source dates for policy; undated entries are excluded by date filters.
OpenAI’s chief executive favors broad public access while calling catastrophic outcomes unacceptable. Anthropic says its regulatory proposals concern frontier models.
Published: Oct 4, 2026The Federal Reserve extended the comment period on its proposed Regulation O modernization from October 5 to November 4, 2026. The proposal concerns bank credit to insiders, including executive officers, directors and major shareholders.
Published: Oct 2, 2026The Federal Reserve Board published an enforcement action for Ontario Bancorporation on October 2. The written agreement with the Federal Reserve Bank of Chicago is dated September 24 and applies to the parent of Bank of Ontario in Wisconsin.
Published: Oct 2, 2026The FTC and the Utah and Nevada attorneys general sued Lens.com on October 2 in the U.S. District Court for the District of Nevada. Their complaint alleges that advertised contact-lens prices omit substantial mandatory checkout fees and that AutoRefill charges, cancellation instructions and cancellation deadlines were not clearly disclosed.
Published: Oct 2, 2026Reuters reported October 2 that the Independent Community Bankers of America sued the OCC over its rule and related guidance for limited national trust charters for crypto firms. ICBA argues the OCC exceeded its authority and seeks revocation.
Published: Oct 2, 2026U.S. commercial banks and savings associations reported $21.6 billion in second-quarter trading revenue, up 32.5% from Q1 and 30.6% from a year earlier. Derivative notional amounts reached $300.5 trillion, while net current credit exposure fell to $291 billion.
Published: Sep 30, 2026The September 30 Regulation A final rule sets primary credit at 4.00% and secondary credit at 4.50%, reflecting the Federal Reserve’s September 16 approval and rates applicable since September 17.
Published: Sep 30, 2026OFAC’s September 30 final rule adds 31 CFR part 516, effective that day, implementing Executive Order 14404 of May 1. OFAC describes these as abbreviated regulations with additional provisions expected later.
Published: Sep 30, 2026Treasury and IRS temporary regulations published September 30 direct automatic Trump Account establishment on or about October 1 for eligible children identified by Treasury without a prior election. The regulations are effective September 30.
Published: Sep 30, 2026A September 23 order in case 22-cv-04174-JSW certified a class of U.S. entities that issued an Apple Pay-enabled payment card and paid Apple a transaction fee. The court also denied Apple’s motion to exclude the plaintiffs’ economist. September 29 trade reporting brought the older procedural ruling into the current scan.
Published: Sep 29, 2026FINMA said September 29 that its latest Julius Baer enforcement proceeding found serious risk-management and anti-money-laundering failures involving private debt and Russian politically exposed persons. The regulator requires CHF250 million of additional capital until specified high-risk assets are separated, reporting through 2032 and approval for distributions. It ordered confiscation of about CHF10 million in profits.
Published: Sep 29, 2026Robinhood’s September 29 announcement introduces trading agents, perpetual futures and earnings-related contracts, with weekend equities planned for early 2027. Reuters reports that the initial weekend stock-and-ETF offering is pending regulatory review, and that users will be able to build agents to execute trades in the app.
Published: Sep 29, 2026The Los Angeles City National Bank combines commercial credit, private banking and entertainment-sector services. June 2026 bank financials and concrete service mechanisms put its relationship model and dated enforcement history in context.
Published: Oct 4, 2026USAA Federal Savings Bank combines a military-focused consumer franchise with substantial deposit funding. Its bank-level balance sheet, service economics and supervisory history require separation from the wider insurance group.
Published: Oct 4, 2026Cash-flow underwriting is already used in bank, CDFI, merchant and mortgage workflows. This expanded review maps adopters and motives, separates historical adoption statistics from live coverage, examines predictive and adverse evidence, and explains affordability, operational, economic and governance risks.
Published: Oct 4, 2026The MLA’s pricing and contract protections shape how covered credit can be offered. A useful product must meet those requirements while delivering understandable cost and reliable access.
Published: Oct 4, 2026The consolidated 2024 order connects unfinished remediation with business capacity, showing why replacement orders and successful closure must be distinguished.
Published: Oct 4, 2026The CFPB combines consumer-finance rulemaking, supervision, enforcement, complaints and research. Its statutory role, operational capacity and litigated funding arrangements are distinct questions.
Published: Oct 4, 2026Evolve combines a regional banking franchise with national payment and account infrastructure. Its public record shows ongoing service offerings, bank-level financial results and important boundaries between marketing, supervisory approvals and customer-fund disputes.
Published: Oct 4, 2026Safety-and-soundness standards connect prudent operation with reliable customer service, information security and sustainable growth. The compliance-plan process is one part of that wider business discipline.
Published: Oct 4, 2026GreenSky’s merchant distribution and bank-originated loans now sit within a Sixth Street-led ownership structure. Product terms, funding evidence and separate federal and state enforcement histories explain more than the financing brand alone.
Published: Oct 4, 2026Taxes and eligible benefits respond to economic weakness under existing law. Separating that automatic response from new legislation and longer-run budget forces makes deficit changes more informative.
Published: Oct 4, 2026The terminated order shows how an inaccurate account of data collection can weaken the information used to study mortgage access, compare channels and identify questions for further review.
Published: Oct 4, 2026The Hudson City settlement addressed access to mortgage distribution, not merely approval rates after application. Its subsidy, branch and outreach obligations explain the alleged mechanism while the entered order expressly preserves the difference between settlement and adjudicated fact.
Published: Oct 4, 2026The 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.
Source date: Oct 2, 2026One 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.
Source date: Sep 30, 2026Primary credit 4.00%, secondary 4.50%. Implements earlier September 16 approval, not an additional September 30 rate increase.
Source date: Sep 30, 2026OFAC 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.
Source date: Sep 30, 2026Section 530A temporary rules; auto-enrollment on or about October 1, eligibility and claiming requirements apply. Companion proposal is separate.
Source date: Sep 30, 2026Agencies 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.
Source date: Sep 29, 2026September 29 assessment of October 2025 submissions; BNP Paribas’s 2021 shortcoming was satisfactorily addressed. Specific feedback can still require attention despite no formal deficiency.
Source date: Sep 29, 2026Published September 29, 2026; comments due November 30. Proposed approval procedures for an insured state member bank seeking a payment-stablecoin-issuing subsidiary.
Source date: Sep 29, 2026Published 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.
Source date: Sep 29, 2026Swiss institution-specific measures; additional capital, reporting and distribution controls remain. The public release was inspected, not a full operative ruling; no U.S. rule or final binding status is inferred.
Source date: Sep 29, 2026Removes 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.
Source date: Sep 29, 2026Announced 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.
Source date: Sep 24, 2026