Topic
Banking Regulation
392 published works
FinTalk
You Can Say More Than You Think: Regulators Clarify SAR Confidentiality for Customer Communications
By Carlton Greene, Anand Sithian, Cristina Diaz
Key Takeaway On September 2, 2026, the Federal Reserve, FDIC, NCUA, OCC, and FinCEN confirmed that a bank may tell a customer that an account restriction or closure, or a…
FinTalk
OCC and FDIC Redefine “Unsafe or Unsound Practices”: The New Supervisory Framework for Banks
By Cristina Diaz, Carlton Greene, Anand Sithian
On August 27, 2026, the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) jointly issued a final rule that, for the first time,…
Consumer Finance Monitor
OCC and FDIC Finalize Rules to Refocus Bank Supervision on Material Financial Risks
By Scott A. Coleman, John L. Culhane, Jr., Beau Hurtig, Alan S. Kaplinsky
The Office of the Comptroller of the Currency (OCC) and Federal Deposit Insurance Corporation (FDIC) on August 27, 2026, finalized a rule (which was published in the Federal Register on…
The CLS Blue Sky Blog
Challenging Banking Agency Examination Results
By Renholding
As part of a broader shift in the regulatory landscape, federal banking agencies are working to make exams more objective and financial in focus. For example, the Federal Financial Institutions…
Consumer Finance Monitor
FDIC Launches Office of Supervisory Appeals
By Scott A. Coleman, John L. Culhane, Jr.
The FDIC has announced the panel for its new Office of Supervisory Appeals. The panel is comprised of independent officials who will consider and resolve appeals of material supervisory determinations…
Consumer Finance Monitor
DIDMCA’s Section 525 Opt-Out: Congress Allowed States to Reimpose Usury Limits on Their Own Banks, Not on Out-of-State Lenders
By Alan S. Kaplinsky, Ronald K. Vaske
The purpose of this blog is to respond to questions we have received as to why a state like Colorado would ever use Section 525 of DIDMCA to opt out…
Consumer Financial Services Review
CRA Déjà Vu: OCC and FDIC Propose Community Reinvestment Act Regulations Again
By Kerri Webb, Kris D. Kully, Matthew Bisanz
The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation have proposed new regulations under the Community Reinvestment Act ("CRA"). Since 2020, the banking agencies have…
Global Regulation Tomorrow
EBA no-action letter and technical considerations to support the implementation of the market risk framework for EU banks
By Simon Lovegrove (UK), Michael Born (DE), Jochen Vester (UK)
On 3 August 2026, the European Banking Authority (EBA) issued an opinion on the application of the provisions relating to the boundary between trading book and banking book, and on…
Consumer Finance Monitor
GAO Report Reinforces Trump Administration’s Regulatory Reform Agenda for the Banking Industry
By Alan S. Kaplinsky, John L. Culhane, Jr., Richard J. Andreano, Jr.
The U.S. Government Accountability Office (GAO) recently issued a report recommending that the federal banking agencies adopt a more rigorous and transparent process for identifying and eliminating outdated, unnecessary, or…
FinTalk
Crowell & Moring Expands Financial Services Group with Former UBS Bank USA General Counsel Cristina Diaz
By Carlton Greene, Paul B. Haskel
Crowell & Moring has added Cristina Diaz, former executive director and general counsel of UBS Bank USA, and most recently head of legal for UBS’s U.S. Remediation Management Office, to…