News & Analysis as of

Federal Deposit Insurance Corporation

The Federal Deposit Insurance Corporation is a United States federal agency created in 1933 in response to widespread bank failures in the 1920s and early 1930s.  The FDIC's mission is to maintain... more +
The Federal Deposit Insurance Corporation is a United States federal agency created in 1933 in response to widespread bank failures in the 1920s and early 1930s.  The FDIC's mission is to maintain stability and consumer confidence in the United States banking system by insuring deposits, monitoring the health of financial institutions and managing receiverships.  less -
Patomak Global Partners

Resolution Planning Faces Regulatory Uncertainty

Patomak Global Partners on

Situation Overview: A U.S. bank regulator signaled potential relaxation of resolution planning requirements for banks, while the Financial Stability Board (FSB) reiterated its support and focus on enhancing resolution...more

Troutman Pepper Locke

Financial Services Industry 2025 Digital Assets Year in Review

Troutman Pepper Locke on

In 2025, the U.S. digital asset landscape evolved more dramatically than in any year since the industry’s inception. A pro‑innovation White House, an active Congress, and key regulators — including the U.S. Securities and...more

Davis Wright Tremaine LLP

FDIC Finalizes New Official Digital Signage and Advertising Rule, With Some Changes

Davis Wright Tremaine LLP on

The FDIC published its final rule updating and easing the requirements for FDIC official digital signage and advertising FDIC deposit insurance status under 12 CFR Part 328. The final rule eliminates prescriptive formatting...more

White & Case LLP

FDIC Amends Its Supervisory Appeals Review Process

White & Case LLP on

On January 22, 2026, the Federal Deposit Insurance Corporation ("FDIC") amended its Guidelines for Appeals of Material Supervisory Determinations ("Guidelines"), creating a new standalone Office of Supervisory Appeals...more

Ballard Spahr LLP

FDIC creates new office to handle appeals of material supervisory determinations

Ballard Spahr LLP on

In a move viewed favorably by FDIC-regulated institutions, the FDIC has approved amendments to the agency’s Guidelines for Appeals of Material Supervisory Determinations that were proposed back in July of 2025  new...more

Snell & Wilmer

2026 Auto Finance Compliance Trends: What Lenders Need to Know Now

Snell & Wilmer on

2026 is now underway, and federal and state regulators are signaling continued attention on consumer protection in auto finance. Several themes have recently emerged across regulatory agencies’ public statements, enforcement...more

Orrick, Herrington & Sutcliffe LLP

State attorneys general split over FDIC and OCC bank supervision proposals

Orrick, Herrington & Sutcliffe LLP on

Recently, two coalitions of state attorneys general submitted separate comment letters in response to a set of proposed rules issued by the OCC and the FDIC... The first rule would redefine “unsafe or unsound practices” under...more

Orrick, Herrington & Sutcliffe LLP

Prudential regulators issue 2025 Shared National Credit Program report

Orrick, Herrington & Sutcliffe LLP on

On January 12, the Fed, the FDIC, and the OCC released their 2025 Shared National Credit Program report, presenting quantitative data on large syndicated loans shared by federally supervised institutions. The agencies...more

Orrick, Herrington & Sutcliffe LLP

FDIC requests comments on proposed survey of BSA/AML compliance costs

Orrick, Herrington & Sutcliffe LLP on

On January 8, the FDIC issued a notice and request for comment in the Federal Register regarding use of a proposed survey to collect data from insured depository institutions on the costs of anti-money laundering and...more

Orrick, Herrington & Sutcliffe LLP

FDIC approves amendments to supervisory appeals guidelines

Orrick, Herrington & Sutcliffe LLP on

On January 22, the FDIC Board of Directors announced it had approved amendments, published in the Federal Register, revising its guidelines governing the process by which insured depository institutions may appeal material...more

Nutter McClennen & Fish LLP

Nutter Bank Report: January 2026

Nutter McClennen & Fish LLP on

The FDIC has amended its Guidelines for Appeals of Material Supervisory Determinations (Guidelines) to replace the existing Supervision Appeals Review Committee (SARC) with an independent, standalone office to consider and...more

Orrick, Herrington & Sutcliffe LLP

FDIC approves final rule amending signage requirements

Orrick, Herrington & Sutcliffe LLP on

On January 22, the FDIC Board of Directors announced that it approved a final rule, issued in the Federal Register, to amend signage requirements for banks for their digital deposit channels and ATMs. In drafting this final...more

Cadwalader, Wickersham & Taft LLP

Crypto Within the Perimeter, January 2026 - Comptroller of the Currency Gould Floats Changes to Resolution Planning

Cadwalader, Wickersham & Taft LLP on

In remarks delivered on January 16, 2026, to the American Bar Association Banking Law Committee meeting in Washington, DC, Comptroller of the Currency Jonathan Gould offered a strong critique of the current U.S. bank...more

GeoDataVision

Important Lessons in OCC Simplified Strategic Plan Proposal for all ISB’s and Large Banks

GeoDataVision on

Even if you don't use the strategic plan option or are examined by FDIC or FRB you should read this - At first glance most bankers would think that the OCC’s proposed simplified CRA strategic plan process would not be of...more

Winthrop & Weinstine, P.A.

FDIC Amends the Signage Requirements for Member Banks' ATMs and Digital Deposit Channels

Winthrop & Weinstine, P.A. on

On January 22, 2026, the Federal Deposit Insurance Corporation (FDIC) issued a final rule to amend the signage requirements at 12 CFR 328.4 and 328.5 to provide insured depository institutions with greater flexibility in the...more

Troutman Pepper Locke

Troutman Pepper Locke Weekly Consumer Financial Services Newsletter – January 2026 # 4

Troutman Pepper Locke on

To keep you informed of recent activities, below are several of the most significant federal and state events that have influenced the Consumer Financial Services industry over the past week....more

Ballard Spahr LLP

FDIC Adopts New Signage Final Rule

Ballard Spahr LLP on

The FDIC has adopted a final rule intended to address concerns about the display of the FDIC official digital sign and non-deposit signage. “The rule simplifies requirements for banks’ display of the FDIC official digital...more

Moore & Van Allen PLLC

Four Themes Emerging from the 2026 ABA Banking Law Committee Meeting

Moore & Van Allen PLLC on

The 2026 ABA Banking Law Committee Meeting held in Washington, DC from January 15-17 delivered significant content in just over two full days of sessions. Conversations with state and federal regulators, agency general...more

Hudson Cook, LLP

CFS Bites of the Month - 2025 Annual Review - Privacy and Data Security

Hudson Cook, LLP on

In this article, we share a timeline of monthly "bites" for the past year applicable to privacy and data security. Despite the shift of regulatory activity and attention to the states in recent years, federal regulators have...more

Orrick, Herrington & Sutcliffe LLP

FDIC publishes November 2025 enforcement actions

Orrick, Herrington & Sutcliffe LLP on

Recently, the FDIC published its list of administrative enforcement actions issued in November 2025. The agency reported seven orders and stated one of those orders had previously been “inadvertently omitted.” ...more

Skadden, Arps, Slate, Meagher & Flom LLP

The Long-Anticipated Wave of Bank Consolidation Starts to Break

Skadden, Arps, Slate, Meagher & Flom LLP on

Coming into 2025, the long-predicted “great wave” of bank mergers still appeared theoretical. But by year’s end, announced U.S. bank deals exceeded 2024 totals, and aggregate transaction value had moved decisively higher,...more

Troutman Pepper Locke

Troutman Pepper Locke Weekly Consumer Financial Services Newsletter – January 2026 # 3

Troutman Pepper Locke on

To keep you informed of recent activities, below are several of the most significant federal and state events that have influenced the Consumer Financial Services industry over the past week. Federal Activities: On...more

Cadwalader, Wickersham & Taft LLP

Innovation Within Limits, January 2026 - Insured State Member Banks Receive Support to Engage in Crypto-Asset Activities

Cadwalader, Wickersham & Taft LLP on

On December 22, 2025, the Board of Governors of the Federal Reserve (the Board) issued a final rule that rescinded a 2023 policy statement and that in turn issued a new policy statement....more

FBT Gibbons LLP

FDIC Unveils Application Process for Stablecoin Issuers Under the GENIUS Act

FBT Gibbons LLP on

Banks interested in issuing stablecoins or otherwise operating in a manner which may require licensure (as described below) should now consider the requirements to satisfy their obligations under the Guiding and Establishing...more

Goodwin

FinCEN Issues Final Rule to Postpone Effective Date of Investment Adviser Rule to 2028

Goodwin on

Welcome to Goodwin’s Financial Services News Roundup. Our newsletter highlights important legal, regulatory, and business developments related to financial services and banking....more

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