What changed in the rules, and who it may reach.
A final FCC rule effective 25 November 2026 lets callers name one exclusive way to revoke consent, drops the "revoke all" approach for informational messages, sets a ten business day limit to honor an opt-out, and widens the numbers a financial institution may use for exempt fraud and transaction alerts.
A Labor Department final rule published on 2 November 2026 requires pharmacy benefit managers, and the brokers and consultants tied to them, to disclose their pay to fiduciaries of large self-insured ERISA health plans. It applies to plan years beginning on or after 1 July 2027.
Final IRS regulations effective 19 October 2026 let the IRS accept tax payments by credit or debit card directly, pay the card processing costs, and recoup the full amount from the people who pay by card through a reimbursement fee that is not a tax and cannot be refunded.
The OCC has adopted a new 12 CFR part 15 setting out how national banks, federal savings associations and their subsidiaries may issue payment stablecoins. It takes effect on 18 January 2027, the same day as the GENIUS Act itself.
A final rule published on 6 October 2026 moves the health plan price files from monthly to quarterly, lowers the out-of-network reporting threshold from 20 claims to 11, and adds a phone option for cost estimates. Most changes start in 2027.
On 6 October 2026 FinCEN withdrew two long-pending proposals, the 2023 section 311 special measure on convertible virtual currency mixing and the 2020 unhosted wallet reporting rule, which had $10,000 reporting and $3,000 recordkeeping thresholds.
An FDIC interim final rule, effective 1 September 2026, replaces the old reciprocal deposit cap with tiered limits that start at 50 percent of a bank's first $1 billion of liabilities, with a $30 billion maximum. It implements the 21st Century ROAD to Housing Act.
A joint final rule, effective 2 November 2026, defines "unsafe or unsound practice" around material harm to a bank's financial condition and sets standards for when examiners may issue matters requiring attention. A companion OCC proposal deals with violations of law.
On 25 September 2026 OFAC removed a Syria-specific general license because Syria is no longer a Terrorism List Government, and added a new 31 CFR part 505 that gathers its penalty provisions in one place without changing them.
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