Rule changes and what's on the horizon for bank and credit union compliance, from the team building applicable.ai. · Page 6
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.
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.
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.
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