https://getapplicable.ai/blog Rule changes and what's on the horizon for bank and credit union compliance, from the team building applicable.ai. en-us Wed, 04 Nov 2026 12:00:00 +0000 https://getapplicable.ai/blog/fcc-robocall-consent-revocation-final-rule https://getapplicable.ai/blog/fcc-robocall-consent-revocation-final-rule Wed, 04 Nov 2026 12:00:00 +0000 Regulatory changes 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. https://getapplicable.ai/blog/pbm-fee-disclosure-final-rule https://getapplicable.ai/blog/pbm-fee-disclosure-final-rule Mon, 02 Nov 2026 12:00:00 +0000 Regulatory changes 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. https://getapplicable.ai/blog/irs-direct-card-payments-final-rule https://getapplicable.ai/blog/irs-direct-card-payments-final-rule Fri, 30 Oct 2026 12:00:00 +0000 Regulatory changes 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. https://getapplicable.ai/blog/occ-genius-act-stablecoin-final-rule https://getapplicable.ai/blog/occ-genius-act-stablecoin-final-rule Wed, 28 Oct 2026 12:00:00 +0000 Regulatory changes 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. https://getapplicable.ai/blog/irs-premium-tax-credit-proposed-rules-obbba https://getapplicable.ai/blog/irs-premium-tax-credit-proposed-rules-obbba Mon, 26 Oct 2026 12:00:00 +0000 Horizon scanning Proposed IRS rules published on 15 October 2026 put the One, Big, Beautiful Bill Act's premium tax credit changes into the regulations, including full repayment of excess advance payments. Comments are due 30 November 2026. https://getapplicable.ai/blog/snap-ebt-chip-card-security-proposal https://getapplicable.ai/blog/snap-ebt-chip-card-security-proposal Fri, 23 Oct 2026 12:00:00 +0000 Horizon scanning A proposed rule published on 23 October 2026 would move SNAP EBT cards from magnetic stripes to chip and contactless cards, let households block online and out-of-state use, and stretch transaction history from 2 months to 12. Comments are due by 22 December 2026. https://getapplicable.ai/blog/ncua-share-insurance-member-notice-proposal https://getapplicable.ai/blog/ncua-share-insurance-member-notice-proposal Wed, 21 Oct 2026 12:00:00 +0000 Horizon scanning An NCUA proposal published on 21 October 2026 would rewrite 12 CFR 745.13 so each federally insured credit union picks its own way to tell members about share insurance, including a link to NCUA's website. Comments are due by 21 December 2026. https://getapplicable.ai/blog/transparency-in-coverage-final-rule-2026 https://getapplicable.ai/blog/transparency-in-coverage-final-rule-2026 Tue, 20 Oct 2026 12:00:00 +0000 Regulatory changes 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. https://getapplicable.ai/blog/sar-confidentiality-customer-communications-statement https://getapplicable.ai/blog/sar-confidentiality-customer-communications-statement Mon, 19 Oct 2026 12:00:00 +0000 Horizon scanning FinCEN and the four federal banking regulators say front-line staff may talk to customers about suspected fraud, frozen funds and account closures, as long as nothing reveals that a SAR exists. The statement changes no rule, but it answers a question branches ask every week. https://getapplicable.ai/blog/ncua-fidelity-bond-proposal https://getapplicable.ai/blog/ncua-fidelity-bond-proposal Fri, 16 Oct 2026 12:00:00 +0000 Horizon scanning An NCUA proposal published on 15 October 2026 would let one board or committee member approve and sign the fidelity bond renewal, drop the signer rotation, and end the 10-year expiry on approved bond forms. Comments are due 14 December 2026. https://getapplicable.ai/blog/cra-proposal-new-bank-size-tiers https://getapplicable.ai/blog/cra-proposal-new-bank-size-tiers Wed, 14 Oct 2026 12:00:00 +0000 Horizon scanning A joint OCC and FDIC proposal would rewrite the Community Reinvestment Act rules around three new size categories, with "small bank" set at under $1 billion in assets. The comment period closed on 13 October 2026. https://getapplicable.ai/blog/fincen-withdraws-crypto-mixing-and-unhosted-wallet-proposals https://getapplicable.ai/blog/fincen-withdraws-crypto-mixing-and-unhosted-wallet-proposals Mon, 12 Oct 2026 12:00:00 +0000 Regulatory changes 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. https://getapplicable.ai/blog/regulation-o-insider-lending-thresholds-proposal https://getapplicable.ai/blog/regulation-o-insider-lending-thresholds-proposal Fri, 09 Oct 2026 12:00:00 +0000 Horizon scanning A Federal Reserve proposal would raise the dollar limits in Regulation O for loans to insiders, some of them four times over, and index them every five years. The FDIC has proposed to match it. Comments are now due 4 November 2026. https://getapplicable.ai/blog/fincen-a7-network-sub-agents-proposal https://getapplicable.ai/blog/fincen-a7-network-sub-agents-proposal Wed, 07 Oct 2026 12:00:00 +0000 Horizon scanning FinCEN has found that transactions involving foreign companies controlled by the A7 Network, a Russia-linked sanctions evasion service, are a primary money laundering concern, and proposes to prohibit transmittals of funds to or from those sub-agents. Comments are due 4 November 2026. https://getapplicable.ai/blog/reciprocal-deposit-caps-road-to-housing-act https://getapplicable.ai/blog/reciprocal-deposit-caps-road-to-housing-act Mon, 05 Oct 2026 12:00:00 +0000 Regulatory changes 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. https://getapplicable.ai/blog/unsafe-or-unsound-practices-and-mras https://getapplicable.ai/blog/unsafe-or-unsound-practices-and-mras Fri, 02 Oct 2026 12:00:00 +0000 Regulatory changes 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. https://getapplicable.ai/blog/fed-genius-act-stablecoin-subsidiary-proposals https://getapplicable.ai/blog/fed-genius-act-stablecoin-subsidiary-proposals Wed, 30 Sep 2026 12:00:00 +0000 Horizon scanning Two Federal Reserve proposals under the GENIUS Act set out how an insured state member bank applies for a payment stablecoin subsidiary, with a 120-day decision clock and deemed approval, and how the Board would regulate those issuers. Comments are due 30 November 2026. https://getapplicable.ai/blog/ofac-syria-terrorism-list-and-penalties-rules https://getapplicable.ai/blog/ofac-syria-terrorism-list-and-penalties-rules Mon, 28 Sep 2026 12:00:00 +0000 Regulatory changes 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. https://getapplicable.ai/blog/state-bank-parity-proposal https://getapplicable.ai/blog/state-bank-parity-proposal Fri, 25 Sep 2026 12:00:00 +0000 Horizon scanning An FDIC proposal would apply host-state laws to an out-of-state state bank only to the same extent they would apply to an out-of-state national bank. It would not change the interest rates state banks may charge. Comments are due 23 November 2026. https://getapplicable.ai/blog/fdic-merger-review-proposal https://getapplicable.ai/blog/fdic-merger-review-proposal Wed, 23 Sep 2026 12:00:00 +0000 Horizon scanning An FDIC proposal would let well-rated, well-capitalized banks file small "de minimis" mergers by letter, deemed approved five business days after a complete filing, and promises a decision on most other filings within 90 days. Comments are due 23 November 2026. https://getapplicable.ai/blog/fed-community-bank-vendor-risk-guide-proposal https://getapplicable.ai/blog/fed-community-bank-vendor-risk-guide-proposal Mon, 21 Sep 2026 12:00:00 +0000 Horizon scanning Alongside the new interagency third-party guidance, the Federal Reserve has proposed a non-binding guide for "traditional community banking organizations" that walks through eight common vendor types, starting with the core provider. Comments are due 16 November 2026. https://getapplicable.ai/blog/interagency-third-party-risk-guidance-proposal https://getapplicable.ai/blog/interagency-third-party-risk-guidance-proposal Fri, 18 Sep 2026 12:00:00 +0000 Horizon scanning The OCC, Federal Reserve, FDIC and NCUA have proposed new third-party risk management guidance that would replace the 2023 interagency guidance, drop expected contract terms and tie oversight more closely to each relationship's assessed risk. Comments are due 16 November 2026. https://getapplicable.ai/blog/expanded-18-month-exam-cycle https://getapplicable.ai/blog/expanded-18-month-exam-cycle Wed, 16 Sep 2026 12:00:00 +0000 Regulatory changes An interim final rule from the OCC, Federal Reserve and FDIC, effective 14 September 2026, doubles the asset threshold for the 18-month on-site exam cycle from under $3 billion to under $6 billion. The agencies estimate about 188 more banks qualify. https://getapplicable.ai/blog/ofac-golden-global-iran-wind-down-license https://getapplicable.ai/blog/ofac-golden-global-iran-wind-down-license Mon, 14 Sep 2026 12:00:00 +0000 Regulatory changes OFAC's Iran General License CC, published on 11 September 2026, allows wind-down of transactions with three blocked Golden Global companies, including an investment bank, until 12.01 a.m. eastern daylight time on 19 September. Payments to them must go into blocked accounts. https://getapplicable.ai/blog/ofac-suspends-iran-aviation-and-bunkering-licenses https://getapplicable.ai/blog/ofac-suspends-iran-aviation-and-bunkering-licenses Fri, 11 Sep 2026 12:00:00 +0000 Regulatory changes OFAC has indefinitely stayed three provisions of the Iranian Transactions and Sanctions Regulations and Iran General License J-1, effective 8 September 2026. A separate general license, DD, allows wind-down of some of those transactions until 12.01 a.m. eastern daylight time on 23 September. https://getapplicable.ai/blog/car-loan-interest-deduction-lender-reporting https://getapplicable.ai/blog/car-loan-interest-deduction-lender-reporting Wed, 09 Sep 2026 12:00:00 +0000 Regulatory changes Final IRS regulations on the new deduction for passenger vehicle loan interest take effect on 9 November 2026. Lenders that receive $600 or more of qualifying interest from an individual in a year must report it on Form 1098-VLI, and must work out which loans qualify. https://getapplicable.ai/blog/trump-account-eligible-investments-proposal https://getapplicable.ai/blog/trump-account-eligible-investments-proposal Mon, 07 Sep 2026 12:00:00 +0000 Horizon scanning Proposed IRS rules under section 530A would limit Trump account funds to low-cost U.S. equity index funds during a child's growth period and put the job of policing that on the account trustee. Comments are due 20 October 2026. https://getapplicable.ai/blog/fincen-southwest-border-msb-targeting-order https://getapplicable.ai/blog/fincen-southwest-border-msb-targeting-order Fri, 04 Sep 2026 12:00:00 +0000 Regulatory changes A FinCEN geographic targeting order, effective 3 September 2026 and running through 1 March 2027, requires money services businesses in listed ZIP codes in Texas and New Mexico to file currency transaction reports on cash transactions from $1,000 to $10,000. https://getapplicable.ai/blog/fincen-section-311-banque-misr-uae https://getapplicable.ai/blog/fincen-section-311-banque-misr-uae Wed, 02 Sep 2026 12:00:00 +0000 Horizon scanning FinCEN has proposed to find the UAE branches of Banque Misr a primary money laundering concern and bar U.S. banks from opening or keeping correspondent accounts for them. Comments are due 1 October 2026. https://getapplicable.ai/blog/fdic-confidential-supervisory-information-sharing-proposal https://getapplicable.ai/blog/fdic-confidential-supervisory-information-sharing-proposal Mon, 31 Aug 2026 12:00:00 +0000 Horizon scanning The FDIC has extended the comment period on its June proposal to let banks share confidential supervisory information without asking first. Comments that were due 31 August are now due 5 October 2026. https://getapplicable.ai/blog/ofac-iran-general-licenses-suspended https://getapplicable.ai/blog/ofac-iran-general-licenses-suspended Fri, 28 Aug 2026 12:00:00 +0000 Regulatory changes OFAC has stayed five Iran general licenses, including the one for noncommercial personal remittances, effective 24 August 2026, with a wind-down license that runs to 8 September. It also named five more sectors of Iran's economy under Executive Order 13902. https://getapplicable.ai/blog/special-purpose-credit-program-statement-rescinded https://getapplicable.ai/blog/special-purpose-credit-program-statement-rescinded Wed, 26 Aug 2026 12:00:00 +0000 Regulatory changes Seven federal agencies rescinded their February 2022 interagency statement on special purpose credit programs under ECOA and Regulation B, effective 25 August 2026, and told creditors not to rely on it. https://getapplicable.ai/blog/ncua-final-rules-eligible-obligations-suretyship-chartering https://getapplicable.ai/blog/ncua-final-rules-eligible-obligations-suretyship-chartering Mon, 24 Aug 2026 12:00:00 +0000 Regulatory changes Seven more of NCUA's 6 August 2026 final rules cut prescriptive text on buying and selling eligible obligations, suretyship collateral and service contracts, and rescind four interpretive rulings on chartering. All take effect on 8 September 2026. https://getapplicable.ai/blog/ncua-share-insurance-notice-rules https://getapplicable.ai/blog/ncua-share-insurance-notice-rules Fri, 21 Aug 2026 12:00:00 +0000 Regulatory changes Two NCUA final rules published on 6 August 2026 drop the fixed 30-day notice before excess share insurance ends and remove the separate regulation on nonmember account disclosures. Both take effect on 8 September 2026. https://getapplicable.ai/blog/genius-act-stablecoin-issuance-proposal https://getapplicable.ai/blog/genius-act-stablecoin-issuance-proposal Wed, 19 Aug 2026 12:00:00 +0000 Horizon scanning A Treasury proposal would add a new 12 CFR part 1523 setting out how the GENIUS Act's bans on unpermitted payment stablecoin issuance, offer and sale work in practice. Comments are due 19 October 2026. https://getapplicable.ai/blog/fincen-beneficial-ownership-final-rule https://getapplicable.ai/blog/fincen-beneficial-ownership-final-rule Mon, 17 Aug 2026 12:00:00 +0000 Regulatory changes FinCEN's 14 August 2026 final rule adopts its earlier interim rule on beneficial ownership reporting with limited changes, adding exemptions for U.S. company applicants and for updates by U.S. persons. The bank customer due diligence rule is unchanged for now. https://getapplicable.ai/blog/occ-confidential-supervisory-information-proposal https://getapplicable.ai/blog/occ-confidential-supervisory-information-proposal Fri, 14 Aug 2026 12:00:00 +0000 Horizon scanning An OCC proposal would let national banks and federal savings associations share confidential supervisory information with service providers, affiliates, executive candidates and merger counterparties without asking first. Comments are due 5 October 2026. https://getapplicable.ai/blog/fincen-minnesota-geographic-targeting-order https://getapplicable.ai/blog/fincen-minnesota-geographic-targeting-order Wed, 12 Aug 2026 12:00:00 +0000 Regulatory changes A FinCEN geographic targeting order, effective 11 August 2026 to 6 February 2027, requires banks and money transmitters in Hennepin and Ramsey Counties to report certain outbound international funds transfers, to fight money laundering tied to benefits fraud. https://getapplicable.ai/blog/fdic-assessment-rate-cut-proposal https://getapplicable.ai/blog/fdic-assessment-rate-cut-proposal Mon, 10 Aug 2026 12:00:00 +0000 Horizon scanning An FDIC proposal would cut initial base assessment rates by 2 basis points for small banks, move the small and large bank line from $10 billion to $30 billion, and index it to inflation. Comments are due 31 August 2026. https://getapplicable.ai/blog/ncua-removes-credit-union-lending-rules https://getapplicable.ai/blog/ncua-removes-credit-union-lending-rules Fri, 07 Aug 2026 12:00:00 +0000 Regulatory changes Two of the eleven deregulatory final rules NCUA published on 6 August 2026 remove the regulatory requirements on loans to other credit unions and the cap on indirect vehicle loans serviced by one third party. Both take effect on 8 September 2026. https://getapplicable.ai/blog/fed-mutual-holding-company-relief-proposal https://getapplicable.ai/blog/fed-mutual-holding-company-relief-proposal Wed, 05 Aug 2026 12:00:00 +0000 Horizon scanning A Federal Reserve proposal would ease Regulation MM for mutual holding companies, including dividend waiver votes, stock plan limits and the federal charter requirement for mid-tier companies, and confirm capital treatment for mutual capital certificates. Comments are due 5 October 2026. https://getapplicable.ai/blog/ncua-fee-preemption-illinois-interchange https://getapplicable.ai/blog/ncua-fee-preemption-illinois-interchange Mon, 03 Aug 2026 12:00:00 +0000 Regulatory changes An NCUA interim final rule, effective 30 June 2026, says federal credit unions may set non-interest charges and fees, including interchange, under federal law. It is aimed squarely at the Illinois Interchange Fee Prohibition Act. https://getapplicable.ai/blog/fed-aml-cft-program-rule-proposal https://getapplicable.ai/blog/fed-aml-cft-program-rule-proposal Fri, 31 Jul 2026 12:00:00 +0000 Horizon scanning A Federal Reserve proposal would rewrite the BSA program rule for the banks it supervises to match the April 2026 proposals from FinCEN, the OCC, the FDIC and the NCUA. It would limit enforcement to significant or systemic failures. Comments are due 8 September 2026. https://getapplicable.ai/blog/cfpb-ability-to-repay-immigration-status https://getapplicable.ai/blog/cfpb-ability-to-repay-immigration-status Wed, 29 Jul 2026 12:00:00 +0000 Regulatory changes A CFPB statement, applicable from 8 June 2026, says mortgage lenders relying on US employment income may need to consider whether an applicant's immigration status will let that income continue. It is guidance, not a rule. https://getapplicable.ai/blog/fdta-joint-data-standards-final-rule https://getapplicable.ai/blog/fdta-joint-data-standards-final-rule Mon, 27 Jul 2026 12:00:00 +0000 Regulatory changes Nine agencies have finalised joint data standards under the Financial Data Transparency Act, effective 1 October 2026. The rule adopts identifiers such as the LEI but changes no reporting requirement on its own; each agency must act within two years. https://getapplicable.ai/blog/fincen-huione-group-section-311-amendment https://getapplicable.ai/blog/fincen-huione-group-section-311-amendment Fri, 24 Jul 2026 12:00:00 +0000 Horizon scanning FinCEN has proposed adding H-Pay Service PLC and any "successor entity" to the Huione Group definition in its section 311 rule. After a portal outage, comments are now due 2 August 2026. https://getapplicable.ai/blog/occ-interest-on-escrow-preemption https://getapplicable.ai/blog/occ-interest-on-escrow-preemption Wed, 22 Jul 2026 12:00:00 +0000 Regulatory changes Two OCC final rules, effective 18 June 2026, say national banks and federal savings associations set escrow account terms at their own discretion, and name 14 state and territorial interest-on-escrow laws as preempted. https://getapplicable.ai/blog/section-1071-small-business-lending-rule-narrowed https://getapplicable.ai/blog/section-1071-small-business-lending-rule-narrowed Mon, 20 Jul 2026 12:00:00 +0000 Regulatory changes A final rule raises the coverage threshold for small business lending data collection from 100 to 1,000 loans a year, cuts the small business definition to $1 million in revenue, and moves compliance to 1 January 2028. Lenders below the new threshold are out of scope. https://getapplicable.ai/blog/hmda-and-hpml-escrow-thresholds-2026 https://getapplicable.ai/blog/hmda-and-hpml-escrow-thresholds-2026 Fri, 17 Jul 2026 12:00:00 +0000 Regulatory changes The CFPB's annual adjustments raised the HMDA reporting exemption to $59 million and the Regulation Z escrow exemption thresholds for 2026. Here is what moved and who it may reach.