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Effects of Stablecoin Yield Prohibition on Bank Lending
April 8, 2026 / Source: The White House
The White House April 8, 2026 Executive Summary The GENIUS Act, signed into law in July 2025, requires stablecoin issuers to maintain reserves backing outstanding stablecoins on at least a one-to-one basis. Reserves may only consist of certain specified assets, including US dollars, federal reserve notes, funds held at certain insured or regulated depository institutions,…
Treasury Proposes Rule to Implement the GENIUS Act’s Requirements to Counter Illicit Finance
April 8, 2026 / Source: FinCEN
Immediate Release April 08, 2026 Today, the U.S. Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) and the Office of Foreign Assets Control issued a joint proposed rule to implement provisions of the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act). The proposed rule, which implements the GENIUS Act’s anti-money laundering…
Federal Reserve Board invites public comment on proposal that would allow U.S. banks and credit unions to use intermediaries to transfer funds through the FedNow Service
April 8, 2026 / Source: The Federal Reserve
April 08, 2026 For release at 11:30 a.m. EDT The Federal Reserve Board on Wednesday invited public comment on a proposal that would allow U.S. banks and credit unions to use intermediaries to transfer funds through the FedNow Service. This additional flexibility would support new private sector use cases for the FedNow Service. For example,…
Community Bankers Remain Positive about Their Future Despite Concerns
April 8, 2026 / Source: CSBS
Press Releases Apr 7, 2026 Download PDF Share: Washington, D.C. – While community bankers remain optimistic about the future, their outlook on the impact of monetary policies and regulation is waning, according to the Conference of State Bank Supervisors’ (CSBS) most recent quarterly poll. The first quarter Community Banker Sentiment Index (CBSI) slipped one point to 131 from…
Agencies Issue Final Rule to Prohibit Use of Reputation Risk by Regulators
April 7, 2026 / Source: FDIC
Examination Procedures and Manual Updates Laws and Regulations Supervisory Guidance April 7, 2026 Summary: On April 7, 2026, the Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency (the agencies) jointly issued a final rule to codify the removal of reputation risk from their supervisory programs. Statement of Applicability: The contents of,…
Issuance of a new Anti-Money Laundering (AML)/Countering the Financing of Terrorism (CFT) Program Requirements Notice of Proposed Rulemaking
April 7, 2026 / Source: FDIC
Laws and Regulations April 7, 2026 Summary: On April 7, 2026, the FDIC Board of Directors approved the issuance of a new Notice of Proposed Rulemaking (NPR) and request for comment for the AML/CFT Program Requirements (PDF) to be issued jointly with the Office of the Comptroller of the Currency (OCC) and the National Credit Union Administration (NCUA) (collectively “the…
Notice of Proposed Rulemaking to Establish GENIUS Act Requirements and Standards for FDIC-Supervised Permitted Payment Stablecoin Issuers and Insured Depository Institutions
April 7, 2026 / Source: FDIC
Laws and Regulations April 7, 2026 Summary: On April 7, 2026, the FDIC Board of Directors approved a notice of proposed rulemaking that would implement the Guiding and Establishing National Innovation for U.S. Stablecoins Act by establishing requirements and standards applicable to FDIC-supervised permitted payment stablecoin issuers (PPSIs) and insured depository institutions (IDIs) that engage…
FinCEN Proposes Rule to Fundamentally Reform Financial Institution Programs Designed to Fight Illicit Finance
April 7, 2026 / Source: FinCEN
Immediate Release April 07, 2026 WASHINGTON—Today, the U.S. Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) issued a proposed rule intended to fundamentally reform financial institutions’ anti-money laundering and countering the financing of terrorism (AML/CFT) programs under the Bank Secrecy Act (BSA). The proposed rule supports Treasury’s efforts to modernize the U.S. AML/CFT regulatory…
Treasury, IRS provide guidance to States for nominating census tracts as qualified opportunity zones under the One, Big, Beautiful Bill
April 6, 2026 / Source: Internal Revenue Service
IR-2026-45, April 6, 2026 WASHINGTON — The Department of the Treasury and the Internal Revenue Service today issued guidance to the Chief Executive Officers of any State, the District of Columbia, and U.S. territories regarding the procedure for nominating population census tracts to be designated as qualified opportunity zones (QOZs) under the One, Big, Beautiful…
Treasury Department Designates BNY as Financial Agent to Support New Trump Accounts Program
April 6, 2026 / Source: US Department of the Treasury
April 6, 2026WASHINGTON, D.C. — The U.S. Department of the Treasury today announced that it has designated The Bank of New York Mellon Corporation (“BNY”) as a financial agent of the U.S. government to support implementation of the new Trump Accounts program. Under this designation, BNY will manage the initial accounts and help develop the…
Compliance Alliance’s New & Updated Tools
April 5, 2026
New: Updated Trust Tools: Note: Access to trust-related tools is subscription-specific; if you are interested in adding Trust tools to your subscription, please contact us for more information.
The 30-Year Fixed-Rate Mortgage Averages 6.46%
April 2, 2026 / Source: Freddie Mac
MCLEAN, Va., April 02, 2026 (GLOBE NEWSWIRE) — Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing the 30-year fixed-rate mortgage (FRM) averaged 6.46%. “The 30-year fixed-rate mortgage edged up, averaging 6.46% this week,” said Sam Khater, Freddie Mac’s Chief Economist. “With spring homebuying season in full swing, aspiring buyers should remember…
Consolidated Reports of Condition and Income for First Quarter 2026
April 2, 2026 / Source: Federal Deposit Insurance Corporation
Call Reports and Other FFIEC Related Forms and Reports April 2, 2026 This Financial Institution Letter and the attached Supplemental Instructions for the March 31, 2026, report date should be shared with the individual(s) responsible for preparing the Call Report at your institution. There are no new data items or revisions that take effect this quarter in…
Whistleblower Incentives and Protections
April 1, 2026 / Source: Financial Crimes Enforcement Network (FinCEN), Treasury
FinCEN is proposing a rule to establish a whistleblower program that offers incentives and protections to encourage individuals who have information about potential violations of the Bank Secrecy Act (BSA), International Emergency Economic Powers Act (IEEPA), Trading With the Enemy Act of 1917 (TWEA), and Foreign Narcotics Kingpin Designation Act (Kingpin Act) to voluntarily report…
Rescission of OCC Guidelines Establishing Standards for Recovery Planning by Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches
April 1, 2026 / Source: Office of the Comptroller of the Currency (OCC), Treasury.
The OCC is amending its regulations by rescinding “OCC Guidelines Establishing Standards for Recovery Planning by Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches.” This rule is effective May 1, 2026.
Treasury Seeks Public Comment on GENIUS Act Notice of Proposed Rulemaking Concerning State-Level Regulatory Regimes
April 1, 2026 / Source: U.S. Department of the Treasury
April 1, 2026 WASHINGTON – Today, the U.S. Department of the Treasury issued a notice of proposed rulemaking (NPRM) seeking public comment related to Treasury’s implementation of the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act. The NPRM is the first regulation Treasury has proposed to implement the GENIUS Act. Under the GENIUS Act,…
OCC Releases CRA Performance Evaluations for 18 National Banks and Federal Savings Associations
April 1, 2026 / Source: Office of the Comptroller of the Currency
News Release 2026-23|April 1, 2026 WASHINGTON—The Office of the Comptroller of the Currency (OCC) today released a list of Community Reinvestment Act (CRA) performance evaluations that became public during the period of March 1, 2026, through March 31, 2026. Under the CRA, the OCC assesses an institution’s record of meeting the credit needs of its entire…
2025 HMDA Data on Mortgage Lending Now Available
March 31, 2026 / Source: Consumer Financial Protection Bureau (CFPB)
MAR 31, 2026 WASHINGTON, D.C. — The Home Mortgage Disclosure Act (HMDA) Modified Loan Application Register (LAR) data for 2025 are now available on the Federal Financial Institutions Examination Council’s (FFIEC) HMDA Platform for approximately 4,768 HMDA filers. The published data contain loan-level information filed by financial institutions and modified to protect consumer privacy. To increase…
OCC Reports Fourth Quarter 2025 Bank Trading Revenue
March 31, 2026 / Source: Office of the Comptroller of the Currency
News Release 2026-22|March 31, 2026 WASHINGTON—The Office of the Comptroller of the Currency (OCC) reported cumulative trading revenue of U.S. commercial banks and savings associations of $14.9 billion in the fourth quarter of 2025. The fourth quarter trading revenue was $2.9 billion, or 16.3 percent, less than in the previous quarter and $680 million, or 4.4…
OCC Guidelines Establishing Standards for Recovery Planning by Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches: Final Guidelines
March 31, 2026 / Source: Office of the Comptroller of the Currency
OCC Bulletin 2026-10|March 31, 2026 Summary The Office of the Comptroller of the Currency (OCC) is rescinding its guidelines establishing standards for recovery planning by certain large insured national banks, federal savings associations, and federal branches (recovery planning guidelines) at 12 CFR 30, appendix E. The final rule will be effective 30 days after publication in…
OCC Issues Final Rule to Rescind Recovery Planning Guidelines
March 31, 2026 / Source: Office of the Comptroller of the Currency
News Release 2026-21|March 31, 2026 WASHINGTON—The Office of the Comptroller of the Currency (OCC) today announced a final rule to rescind its recovery planning guidelines for certain large insured national banks, federal savings associations, and federal branches (banks). “Recovery planning guidelines that require large banks to engage in prescriptive planning activities do little to improve their…
FDIC Issues 2026 Consumer Compliance Supervisory Highlights
March 31, 2026 / Source: FDIC
Miscellaneous March 31, 2026 Summary: The FDIC’s Consumer Compliance Supervisory Highlights is an annual publication. Its purpose is to enhance transparency regarding the FDIC’s consumer compliance supervisory activities and provide a high-level overview of consumer compliance issues identified in 2025 through the FDIC’s supervision of state non-member banks and thrifts. Statement of Applicability: The contents of, and material referenced…
Treasury Announces President Donald J. Trump’s Signature to Appear on Future U.S. Paper Currency
March 30, 2026 / Source: U.S. Department of the Treasury
March 26, 2026 WASHINGTON – In honor of the 250th anniversary of the United States of America, President Donald J. Trump’s signature will appear on future U.S. paper currency along with the Secretary of the Treasury, marking the first time in history for a sitting president. “Under President Trump’s leadership, we are on a path toward unprecedented…
OCC Reports Mortgage Performance for Fourth Quarter of 2025
March 30, 2026 / Source: Office of the Comptroller of the Currency
News Release 2026-20|March 30, 2026 WASHINGTON—The Office of the Comptroller of the Currency (OCC) reported on the performance of first-lien mortgages in the federal banking system during the fourth quarter of 2025. The OCC Mortgage Metrics Report, Fourth Quarter 2025 showed that 97.5 percent of mortgages included in the report were current and performing at the end of…
FinCEN Issues Advisory on Health Care Fraud Schemes Targeting Medicare, Medicaid, and Other Federal and State Health Care Benefit Programs
March 30, 2026 / Source: Financial Crimes Enforcement Network
Immediate Release March 30, 2026 Today, the U.S. Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) issued an Advisory urging financial institutions to be vigilant about health care fraud schemes targeting government health care benefit programs such as Medicare and Medicaid. FinCEN’s Advisory provides financial institutions with an overview of how fraudsters, organized crime…