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New York Department of Financial Services Issues New Guidance on Cybersecurity Risks Arising from Artificial Intelligence

On October 16, the New York State Department of Financial Services (NY DFS) issued an industry letter to entities regulated by NY DFS (covered entities) providing guidance addressing the cybersecurity risks associated with...more

Q1 De Novo Bank Trends

There has been recent turmoil in the U.S. stock markets over the past few weeks as the country starts to take steps toward reopening as a result of the pandemic. However, financial institution stocks have been buoyed by...more

Model Risk Management and Its Implications Under the Bank Secrecy Act

On April 9, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency (collectively, the agencies), in consultation with the Financial...more

Regulators Continue to Take on Diversity

If it were not for the word “coronavirus,” the word of the year might have been “diversity” — the social unrest in 2020 pushed diversity and inclusion matters to the forefront of private and public institutions alike, and has...more

4/5/2021  /  Banking Sector , Diversity , Dodd-Frank , FDIC

Senate Confirms Merrick Garland as Attorney General: Is an Antitrust Czar on the Horizon?

On March 10, the Senate confirmed Merrick Garland as the 86th U.S. attorney general, laying the groundwork for the Biden administration to begin implementing its priorities, including the possible appointment of an antitrust...more

Considerations When Contemplating a Branch Consolidation and/or Closure Initiative

Prior to the COVID-19 pandemic, many combined factors pushed the banking industry toward consolidation, greater efficiency, and in many instances, smaller branch footprints. When COVID-19 forced banks to close branch lobbies...more

FDIC’s Final Rule on Brokered Deposits Adds Clarity to Fintech Partnerships and Other Common Arrangements

On December 15, the Federal Deposit Insurance Corporation (FDIC) issued a final rule (Final Rule) establishing a new framework for analyzing whether bank deposits obtained through third-party arrangements are brokered...more

Update: Federal Reserve's Revised Control Framework Now Effective and New FAQs Issued

New Rule Effective as of September 30 - The Federal Reserve’s revised control framework under the Bank Holding Company Act (BHCA) and Home Owners’ Loan Act (HOLA) issued on January 30, 2020 became effective on September 30...more

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