The proposals align with Trump administration policy by emphasizing supervision of material and quantifiable financial risks....more
10/27/2025
/ Banking Regulators ,
Banking Sector ,
Executive Orders ,
FDIC ,
Notice of Proposed Rulemaking (NOPR) ,
OCC ,
Public Comment ,
Risk Assessment ,
Risk Management ,
Supervision ,
Trump Administration
OCC Bulletins 2025-22 and 2025-23 clarify the agency’s approach to evaluating banks’ compliance with fair banking practices and protecting customers’ financial records....more
The request for comment aims to help Treasury devise clear guidelines for stablecoin issuers, promote international coordination, and protect consumers from potential risks....more
9/30/2025
/ Advanced Notice of Proposed Rulemaking (ANPRM) ,
Anti-Money Laundering ,
Comment Period ,
Cross-Border Transactions ,
Cryptocurrency ,
Digital Assets ,
Economic Sanctions ,
New Legislation ,
Proposed Regulation ,
Stablecoins ,
U.S. Treasury
The FDIC seeks to avoid overburdening financial services providers with regulations regarding its logo after assessing market feedback and implementation issues....more
9/8/2025
/ Advertising ,
Banking Sector ,
Comment Period ,
Depository Institutions ,
Disclosure Requirements ,
FDIC ,
Insured Depository Institutions ,
Logos ,
Notice of Proposed Rulemaking (NOPR) ,
Online Banking ,
Proposed Rules ,
Regulatory Reform ,
Signs
DOJ will focus on criminal intent over mere code creation, seeking to balance legal accountability with support for innovation....more
9/3/2025
/ Criminal Prosecution ,
Decentralized Finance (DeFi) ,
Department of Justice (DOJ) ,
Digital Assets ,
Enforcement Actions ,
FinCEN ,
Intent ,
Money Laundering ,
Money Transmitter ,
Regulatory Reform ,
Software Developers
Regulators are directed to avoid reputation risk, identify banks that have engaged in unlawful debanking, and take appropriate remedial actions. ...more
8/15/2025
/ Anti-Discrimination Policies ,
Banking Sector ,
Banks ,
ECOA ,
Enforcement Actions ,
Executive Orders ,
Fair Lending ,
Financial Institutions ,
Financial Regulatory Agencies ,
FTC Act ,
Regulatory Oversight ,
Regulatory Reform ,
Reputation Management ,
Trump Administration
The report reflects collaboration across federal agencies and aims to establish US leadership in digital assets through forward-thinking policy and a clear regulatory framework....more
8/11/2025
/ Banking Regulators ,
Blockchain ,
Central Bank Digital Currency (CBDCs) ,
CFTC ,
Digital Assets ,
Executive Orders ,
FinTech ,
Regulatory Agenda ,
Securities and Exchange Commission (SEC) ,
Stablecoins ,
Trump Administration ,
U.S. Treasury ,
Working Groups
On July 18, 2025, President Trump signed into law the Guiding and Establishing National Innovation for US Stablecoins Act (the GENIUS Act), legislation that establishes a regulatory framework for payment stablecoins. ...more
7/25/2025
/ CFTC ,
Commodities ,
Cryptocurrency ,
Digital Assets ,
Digital Currency ,
Federal Reserve ,
Financial Markets ,
New Legislation ,
OCC ,
Regulatory Requirements ,
Securities ,
Securities and Exchange Commission (SEC) ,
Stablecoins ,
U.S. Treasury
Banking organizations safekeeping digital assets for customers must do so in a safe and sound manner and in compliance with applicable laws and regulations....more
7/18/2025
/ Bank Secrecy Act ,
Banking Sector ,
Banks ,
BSA/AML ,
Cryptocurrency ,
Custodians ,
Digital Assets ,
FDIC ,
Federal Reserve ,
Financial Institutions ,
Joint Statements ,
OCC ,
Office of Foreign Assets Control (OFAC) ,
Regulatory Requirements ,
Risk Management
The federal banking agencies continue to open the channels for regulated entities to engage in digital asset activities.
On May 7, 2025, the Office of the Comptroller of the Currency (OCC) published Interpretive Letter...more
5/12/2025
/ Banking Sector ,
Banks ,
Cryptocurrency ,
Custody ,
Digital Assets ,
Financial Institutions ,
Interpretive Letters ,
New Regulations ,
OCC ,
Outsourcing ,
Regulatory Requirements ,
Risk Management
New FDIC guidance permits crypto activities by supervised institutions without prior approval, emphasizing risk management and compliance with applicable laws and regulations....more
In a break from restrictive Biden-era policies, OCC-supervised banks may now engage in crypto without supervisory nonobjection, potentially opening new avenues for innovation....more
On January 22, 2025, New York Attorney General (NYAG) Letitia James announced a judgment and settlement against cash advance provider Yellowstone Capital, its officers, and two dozen affiliates (Yellowstone) for more than $1...more
The CFPB’s proposal, its first attempt to regulate cryptocurrencies and stablecoins, is unlikely to survive the administration change....more
1/24/2025
/ Consumer Financial Products ,
Consumer Financial Protection Bureau (CFPB) ,
Cryptocurrency ,
Digital Assets ,
Electronic Fund Transfer Act ,
Financial Institutions ,
FinTech ,
Gaming ,
Online Gaming ,
Proposed Rules ,
Regulation E ,
Stablecoins
A Republican Congress and the incoming Trump administration may employ the CRA to quickly overturn recent rules that faced heavy criticism from the financial services industry....more
1/22/2025
/ Congressional Review Act ,
Consumer Financial Protection Bureau (CFPB) ,
Deregulation ,
Digital Assets ,
FDIC ,
Financial Regulatory Reform ,
Financial Services Industry ,
FinCEN ,
IRS ,
OCC ,
Open Banking ,
Trump Administration
The rule aims to reduce market concentration by guaranteeing consumer access to personal financial data, but faces strident criticism and immediate legal challenge....more
10/30/2024
/ Consumer Data Requests ,
Consumer Financial Products ,
Consumer Financial Protection Bureau (CFPB) ,
Depository Institutions ,
Dodd-Frank ,
Final Rules ,
Financial Institutions ,
Financial Services Industry ,
FinTech ,
Open Banking ,
Personal Data ,
Sensitive Personal Information
Remittance service providers would need to update their disclosure statements under a narrowly tailored proposed amendment which aims to resolve issues more efficiently and save consumers time....more
The proposal would make key changes to the definition of “deposit broker” with significant ramifications for banks, fintechs, bank-fintech partnerships, and other third parties in the financial services industry....more
Paycheck advance products that are deemed consumer loans under the CFPB’s new proposal would be subject to increased disclosure and regulatory protections....more
9/6/2024
/ Consumer Financial Products ,
Consumer Financial Protection Bureau (CFPB) ,
Earned Wage Access ,
Financial Services Industry ,
Payday Loans ,
Popular ,
Proposed Standards ,
Public Comment ,
Regulation Z ,
Truth in Lending Act (TILA) ,
Wages
A recent bipartisan bill, if enacted, would particularly benefit small lenders and bank/fintech partnerships by promoting transparency, appellate rights and examiner accountability.
On Dec. 14, 2023, a bipartisan group of...more
As person-to-person payments become mainstream, the proposal would proactively outlaw fees that financial institutions could assess on instantaneously declined transactions.
On January 24, 2024, the Consumer Financial...more
A recent bipartisan bill, if enacted, would particularly benefit small lenders and bank-fintech partnerships by promoting transparency, appellate rights, and examiner accountability.
On December 14, 2023, a bipartisan...more
The OCC outlines safety and soundness principles and appropriate risk management processes for its regulated institutions that engage in BNPL lending.
On December 6, 2023, the Office of the Comptroller of the Currency...more
The proposal would subject certain large non-bank companies offering wallet and payment services to federal regulatory oversight on par with banks and credit unions.
On November 7, 2023, the Consumer Financial Protection...more
The joint statement provides helpful guidance on the civil rights implications of considering an individual’s immigration status under the ECOA.
On October 12, 2023, the Consumer Financial Protection Bureau (CFPB) and...more