The OCC issued two interim final actions preempting the Illinois Interchange Fee Prohibition Act, causing the Seventh Circuit to vacate and remand related proceedings to the district court....more
The OCC and FDIC’s jointly codified rule prohibits regulators from using reputational risk as a basis for criticisms, adverse actions, or pressure on banks’ customer relationships....more
4/21/2026
/ Bank Secrecy Act ,
Banking Regulators ,
Banking Sector ,
BSA/AML ,
FDIC ,
Federal Reserve ,
Final Rules ,
Financial Institutions ,
OCC ,
Office of Foreign Assets Control (OFAC) ,
Regulatory Oversight ,
Regulatory Reform ,
Reputation Management ,
Risk Management
The Proposal would establish many requirements for OCC supervised entities, including reserves, capital standards, redemption timelines, and the extent of OCC supervisory authority....more
3/12/2026
/ Banking Sector ,
Capital Requirements ,
Cross-Border Transactions ,
Digital Assets ,
Notice of Proposed Rulemaking (NOPR) ,
OCC ,
Payment Systems ,
Regulatory Oversight ,
Regulatory Requirements ,
Stablecoins ,
The GENIUS Act
The Rule provides critical regulatory clarity for entities seeking national trust bank charters to engage in digital asset activities....more
The Proposal aims to center the FRB’s supervisory decisions on material financial risks and increase supervisory clarity and precision....more
2/27/2026
/ Bank Secrecy Act ,
Banking Sector ,
Banks ,
ECOA ,
Enforcement Authority ,
Executive Orders ,
Fair Housing Act (FHA) ,
FDIC ,
Federal Reserve ,
FRB ,
Notice of Proposed Rulemaking (NOPR) ,
OCC ,
Office of Foreign Assets Control (OFAC) ,
Proposed Rules ,
Regulatory Oversight ,
Regulatory Reform ,
Reputation Management ,
Risk Assessment ,
Risk Management ,
Supervision ,
Supervisory Guidance
The decision clears a legal path for state-level regulation of credit and debit card swipe fees (while striking down data usage restrictions), setting the stage for a high-stakes appeal....more
2/19/2026
/ Banking Sector ,
Data Collection ,
Data Use Policies ,
Debit and Credit Card Transactions ,
Federal Court Litigation ,
Fees ,
Interchange Fees ,
National Bank Act ,
New Legislation ,
OCC ,
Payment Systems ,
Preemption ,
State Legislatures ,
Transaction Fees ,
User Fees
In this publication, we explore 10 key focus areas for US bank regulators in the year ahead.
Building on a fast start in 2025, 2026 is shaping up to be an extraordinarily active year, as US bank regulators continue down...more
1/20/2026
/ Banking Regulators ,
Banking Sector ,
Basel Committee on Banking Supervision (BCBS) ,
Cryptocurrency ,
Deregulation ,
Digital Assets ,
Financial Services Industry ,
FinTech ,
Money Laundering ,
National Bank Charters ,
New Legislation ,
Regulatory Authority ,
Regulatory Oversight ,
Regulatory Reform ,
Stablecoins ,
Stress Tests ,
The GENIUS Act
The Proposal addresses recent comments about the scope of permissible activities for national trust banks, as applications to charter new banks continue to be filed....more
1/16/2026
/ Banking Sector ,
Banks ,
Digital Assets ,
Fiduciary Duty ,
National Bank Act ,
National Bank Charters ,
Notice of Proposed Rulemaking (NOPR) ,
OCC ,
Stablecoins ,
The GENIUS Act ,
Trusts
The proposal outlines the application process and the factors that the FDIC will consider in granting approval for an entity to issue payment stablecoins....more
1/13/2026
/ Banking Sector ,
Digital Assets ,
FDIC ,
FinTech ,
Payment Systems ,
Proposed Rules ,
Regulatory Oversight ,
Regulatory Requirements ,
Rulemaking Process ,
Stablecoins ,
The GENIUS Act
In this publication, we explore some of the core focus areas for UK-regulated financial services firms in the year ahead....more
1/7/2026
/ Artificial Intelligence ,
Consumer Financial Products ,
Corporate Governance ,
Deregulation ,
Environmental Social & Governance (ESG) ,
Financial Conduct Authority (FCA) ,
Financial Institutions ,
Financial Services Industry ,
HM Treasury ,
Prudential Regulation Authority (PRA) ,
Prudential Standards ,
Regulatory Agenda ,
Regulatory Oversight ,
Regulatory Reform ,
Regulatory Requirements ,
UK
The OCC affirmed that certain cryptoasset activities are part of, or incidental to, the business of banking and conditionally approved five national trust bank charters for digital asset entities....more
12/19/2025
/ Banking Sector ,
Banks ,
Blockchain ,
Cryptoassets ,
Cryptocurrency ,
Digital Assets ,
FinTech ,
National Bank Charters ,
New Guidance ,
OCC ,
Popular ,
Special Purpose National Bank Charter
Banks subject to the Agencies’ jurisdiction will now be expected to manage leveraged lending using general risk management principles for safe and sound lending....more
As the fintech landscape evolves, federal banking regulators are taking decisive steps to integrate stablecoins and payments innovations into the traditional banking system....more
12/2/2025
/ Banking Sector ,
Banks ,
Digital Assets ,
FDIC ,
Federal Reserve ,
FinTech ,
Payment Systems ,
Proposed Rules ,
Regulatory Agenda ,
Regulatory Oversight ,
Stablecoins ,
The GENIUS Act
The FRB will focus on overall safety and soundness rather than single deficiencies, allowing more large financial institutions to qualify as “well managed.”...more
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
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 proposal aims to free up large bank balance sheets and promote US Treasury market intermediation, which the current regulations may hinder....more
7/9/2025
/ Banking Regulators ,
Banks ,
Capital Requirements ,
Depository Institutions ,
Deregulation ,
FDIC ,
Federal Reserve ,
Financial Regulatory Reform ,
Global Systemically Important Banks (G-SIBs) ,
Leverage Ratio ,
OCC ,
Proposed Rules ,
Public Comment ,
Regulatory Reform ,
U.S. Treasury
The OCC is restoring its former practices and policies under the Bank Merger Act to reinstate expedited merger reviews and streamlined business combination applications....more
5/19/2025
/ Acquisitions ,
Bank Merger Act ,
Banking Sector ,
Biden Administration ,
Expedited Actions Process ,
Financial Institutions ,
Interim Final Rules (IFR) ,
Mergers ,
OCC ,
Rescission ,
Trump Administration
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