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Guidance intelligence

Focus on guidance developments affecting Texas credit unions.

Start with the clearest developments below, then open the original source material when you need the governing detail. The source remains the authority.

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OCC News Releases Apr 02, 2026 Guidance

OCC Announces Deputy Comptrollers for Chartering, Organization and Structure

Why it matters

While the OCC regulates national banks, Texas credit unions are primarily governed by NCUA. However, national regulatory trends may indirectly influence state-level compliance expectations or cross-regulatory exam coordination.

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Federal Register - OCC Apr 01, 2026 Guidance

Rescission of OCC Guidelines Establishing Standards for Recovery Planning by Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches

Why it matters

While the rule does not explicitly apply to Texas credit unions (regulated by NCUA), it reflects broader federal regulatory shifts that could influence future guidance for state-chartered institutions. Texas credit unions should monitor for potential cross-regulatory impacts or related changes in federal...

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FDIC Press Releases Mar 31, 2026 Guidance

Financial Institution Letter: FDIC Consumer Compliance Supervisory Highlights

Why it matters

While the guidance applies to all FDIC-supervised institutions nationwide, Texas credit unions must track it due to national applicability and potential overlap with state-specific compliance expectations under Texas law.

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OCC News Releases Apr 02, 2026 Guidance

OCC Announces Deputy Comptrollers for Chartering, Organization and Structure

The OCC's promotion of new Deputy Comptrollers for Chartering, Organization & Structure signals potential shifts in chartering processes and organizational oversight priorities, which could affect capital planning, disclosures, or exam preparation for credit unions...

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Federal Register - OCC Apr 01, 2026 Guidance

Rescission of OCC Guidelines Establishing Standards for Recovery Planning by Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches

The OCC is removing recovery planning guidelines that previously applied to large national banks and federal savings associations, potentially simplifying capital planning and disclosure requirements for affected institutions. This change may reduce regulatory burden...

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FDIC Press Releases Mar 31, 2026 Guidance

Financial Institution Letter: FDIC Consumer Compliance Supervisory Highlights

The FDIC highlights consumer compliance issues from 2025, emphasizing areas like disclosures, fair lending, and data security. These focus areas could affect capital planning, disclosures, and vendor oversight for credit unions facing heightened supervisory...

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OCC News Releases Mar 30, 2026 Guidance

OCC Reports Mortgage Performance for Fourth Quarter of 2025

The OCC's mortgage performance report highlights trends impacting capital planning and risk management for federally chartered banks, which may influence supervisory expectations for Texas credit unions with federal deposits or loan portfolios.

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Fed Supervision & Regulation Mar 05, 2026 Guidance

Agencies clarify the capital treatment of tokenized securities

The article clarifies how tokenized securities should be treated in terms of capital requirements. Agencies have provided guidance on the regulatory treatment of these assets, which will affect how credit unions manage their risk...

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OCC News Releases Mar 05, 2026 Guidance

Agencies Clarify the Capital Treatment of Tokenized Securities

The agencies clarified the capital treatment of tokenized securities; this impacts how credit unions account for these assets in their risk management and capital adequacy calculations.

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FDIC Press Releases Mar 05, 2026 Guidance

Press Release: Agencies Clarify the Capital Treatment of Tokenized Securities

The agencies clarified that tokenized securities should receive the same capital treatment as their non-tokenized counterparts. The clarification emphasizes that the technology used does not impact capital treatment, and banks must apply sound risk...

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OCC News Releases Feb 27, 2026 Guidance

OCC Issues Second and Third Quarter 2026 CRA Evaluation Schedule

- OCC released the schedule for CRA evaluations in the second and third quarters of 2026. - The schedule does not contain any specific mentions of Texas, TX, TCUD, or Texas-specific entities.

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Federal Register - FinCEN Feb 25, 2026 Guidance

Bank Secrecy Act Advisory Group; Solicitation of Application for Membership

FinCEN invites public nominations for membership in the Bank Secrecy Act Advisory Group; three-year terms available.

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ABA Banking Journal Feb 23, 2026 Guidance

Compliance question of the month: February 2026

The article addresses the requirement for adverse action notices and provides guidance on how credit unions should handle these notifications. It emphasizes the importance of providing clear and accurate information to members who are...

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ABA Banking Journal Feb 18, 2026 Guidance

Treasury to release financial sector AI resources

The Treasury Department will release six resources aimed at ensuring secure and resilient AI in the financial sector. These resources are intended to enhance cybersecurity measures across U.S. financial systems.

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Federal Register - OCC Feb 17, 2026 Guidance

Agency Information Collection Activities: Information Collection Renewal; Submission for OMB Review; Guidance on Sound Incentive Compensation Policies

- OCC invites comment on the renewal of an information collection titled 'Guidance on Sound Incentive Compensation Policies'. - The collection has been submitted to OMB for review.

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ABA Banking Journal Feb 13, 2026 Guidance

FinCEN eases beneficial ownership reporting requirements

• Covered financial institutions, including Texas credit unions, are exempt from identifying and verifying beneficial owners each time a new account is opened. • This easing of the requirement aims to reduce regulatory burden...

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CISA Alerts Feb 13, 2026 Guidance

CISA Announces New Town Halls to Engage with Stakeholders on Cyber Incident Reporting for Critical Infrastructure

CISA will host town halls on cyber incident reporting for critical infrastructure; relevant for Texas credit unions due to potential impact on cybersecurity practices.

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OCC News Releases Feb 12, 2026 Guidance

OCC Releases Dodd-Frank Act Stress Test Scenarios for 2026

- OCC released stress test scenarios for 2026. - These scenarios will be used in upcoming stress tests for covered institutions.

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FDIC Press Releases Feb 12, 2026 Guidance

Press Release: FDIC Releases Economic Scenarios for 2026 Stress Testing

• The FDIC has released economic scenarios for 2026 stress testing for covered institutions with total consolidated assets of more than $250 billion. • These scenarios include baseline and severely adverse scenarios, each covering...

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ABA Banking Journal Feb 11, 2026 Guidance

Banking agencies rescind Liquidity Coverage Ratio rule FAQs

• The banking agencies have rescinded the FAQs on the Liquidity Coverage Ratio. • The documents will remain available for public viewing.

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ABA Banking Journal Feb 11, 2026 Guidance

ABA Regulatory Policy and Compliance Inbox: The intricacies of following up on a SAR filing

The article discusses the complexities of following up on a Suspicious Activity Report (SAR) filing. It highlights the need for thorough and timely responses to regulatory inquiries.

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CISA Alerts Feb 10, 2026 Guidance

CISA Releases Guide to Help Critical Infrastructure Users Adopt More Secure Communication

CISA has released a guide aimed at helping critical infrastructure users, including credit unions, implement more secure communication practices. The document provides best practices and recommendations for enhancing cybersecurity measures.

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ABA Banking Journal Feb 10, 2026 Guidance

Loans to non-depository financial institutions: new granularity and a rapidly growing segment

The article discusses the growing importance of loans to non-depository financial institutions in credit intermediation and highlights new regulatory granularity. These entities are playing a significant role outside traditional banking systems.

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ABA Banking Journal Feb 09, 2026 Guidance

OFAC launches online portal for self-disclosures of sanctions violations

OFAC has created an online portal for voluntary self-disclosures of potential sanctions violations; this can be used by individuals and entities to report such issues.

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Banking Dive Feb 06, 2026 Guidance

Dive Deposits: CFPB tamps down on complaint portal

• Credit Union consumers are advised to file complaints with credit agencies first. • The CFPB provides clear guidance on this process.

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Federal Register - FDIC Feb 06, 2026 Guidance

Notice of Termination of Receiverships

The article discusses the termination of receiverships for certain financial institutions. No specific actions or deadlines are mentioned.

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CISA Alerts Jan 28, 2026 Guidance

CISA Urges Critical Infrastructure Organizations to Take Action Against Insider Threats

CISA urges critical infrastructure organizations to implement measures against insider threats; highlights the importance of robust cybersecurity practices.

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ABA Banking Journal Jan 27, 2026 Guidance

ABA offers recommendations for improving third-party supervision

ABA recommended third-party service providers enhance transparency and support innovation; steps include regular risk assessments and clear communication channels.

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