Guidance Articles

FinCEN is inviting the public to nominate financial institutions, trade groups, and non-federal regulators or law enforcement agencies for membership in the Bank Secrecy Act Advisory Group. New members will be selected for three-year membership terms.

Compliance QOTM answers question on adverse action notice. The post Compliance question of the month: February 2026 appeared first on ABA Banking Journal .

The Treasury Department announced it will soon release six resources to enable “secure and resilient” artificial intelligence across the U.S. financial system. The post Treasury to release financial sector AI resources appeared first on ABA Banking Journal .

The OCC, as part of its continuing effort to reduce paperwork and respondent burden, invites comment on a continuing information collection, as required by the Paperwork Reduction Act of 1995 (PRA). In accordance with the requirements of the PRA, the OCC may not conduct or sponsor, and the respondent is not required to respond to, an information collection unless it displays a currently valid Office of Management and Budget (OMB) control number. The OCC is soliciting comment concerning the renewal of its information collection titled, "Guidance on Sound Incentive Compensation Policies." The OCC also is giving notice that it has sent the collection to OMB for review.

FinCEN issued an order exempting covered financial institutions from the requirement to identify and verify the beneficial owners of a legal entity customer each time the customer opens a new account. The post FinCEN eases beneficial ownership reporting requirements appeared first on ABA Banking Journal .

The Office of the Comptroller of the Currency (OCC) released economic and financial market scenarios for use in the upcoming stress tests for covered institutions.

PRESS RELEASE | FEBRUARY 12, 2026 FDIC Releases Economic Scenarios for 2026 Stress Testing WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) today released the hypothetical economic scenarios for use in the upcoming stress tests for covered institutions with total consolidated assets of more than $250 billion. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 requires certain financial companies, including certain state nonmember banks and state savings associations, to conduct stress tests. In 2018, Congress increased the size of what is considered a covered institution from $10 billion to $250 billion. The supervisory scenarios include baseline and severely adverse scenarios. The baseline scenario is in line with a survey of private sector economic forecasters. The severely adverse scenario is not a forecast, rather, it is a hypothetical scenario designed to assess the strength and resilience of financial institutions. Each scenario includes 28 variables—such as gross domestic product, the unemployment rate, stock market prices, and interest rates—covering domestic and international economic activity. The FDIC coordinated with the Board of Governors of the Federal Reserve System and the Office of the Comptroller of the Currency in developing and distributing these scenarios. ATTACHMENTS: Stress Test Scenarios # # # MEDIA CONTACT: [email protected] The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US

The banking agencies announced they are rescinding the FAQs on the Liquidity Coverage Ratio but will leave the documents online for public viewing. The post Banking agencies rescind Liquidity Coverage Ratio rule FAQs appeared first on ABA Banking Journal .

And just what is a mobile home when it comes to flood regulation? The post ABA Regulatory Policy and Compliance Inbox: The intricacies of following up on a SAR filing appeared first on ABA Banking Journal .

These entities play a central role in credit intermediation outside the traditional banking system. The post Loans to non-depository financial institutions: new granularity and a rapidly growing segment appeared first on ABA Banking Journal .

The Office of Foreign Assets Control has launched an online portal for individuals to submit voluntary self-disclosures of potential violations of OFAC-administered sanctions programs. The post OFAC launches online portal for self-disclosures of sanctions violations appeared first on ABA Banking Journal .

The bureau published three pages urging consumers to file complaints with credit agencies before contacting the CFPB. It’s not subtle.

In response to a recent OCC request, ABA offered several recommendations for steps third-party service providers should take to support financial sector innovation and increase competition and market transparency. The post ABA offers recommendations for improving third-party supervision appeared first on ABA Banking Journal .

The Federal Deposit Insurance Corporation (FDIC) is adopting revised Guidelines for Appeals of Material Supervisory Determinations to replace the existing Supervision Appeals Review Committee with an independent, standalone office to consider and decide supervisory appeals.

Agencies issue 2025 Shared National Credit Program report

Federal bank regulatory agencies today released the 2025 Shared National Credit (SNC) report that indicates credit risk associated with large, syndicated bank loans remains moderate. Credit risk trends continue to reflect the effects of borrowers' ability to manage higher interest expenses and other macroeconomic factors.

PRESS RELEASE | JANUARY 12, 2026 Agencies Issue 2025 Shared National Credit Program Report WASHINGTON – Federal bank regulatory agencies today released the 2025 Shared National Credit (SNC) report that indicates credit risk associated with large, syndicated bank loans remains moderate. Credit risk trends continue to reflect the effects of borrowers’ ability to manage higher interest expenses and other macroeconomic factors. The 2025 report reflects the examination of SNC loans originated on or before June 30, 2025. The reviews focused on leveraged loans and stressed borrowers from various industry sectors and assessed aggregate loan commitments of $100 million or more that are shared by multiple regulated financial institutions. The 2025 SNC portfolio included 6,857 borrowers, totaling $6.9 trillion in commitments, an increase of 6 percent from a year ago. The percentage of loans that deserve management’s close attention (“non-pass” loans rated “special mention” and “classified”) decreased to 8.6 percent of total commitments from 9.1 percent in 2024. The decline is primarily due to growth in new commitments rather than an underlying improvement in credit quality. U.S. banks hold 45 percent of all SNC commitments. However, they only hold 22 percent of non-pass loans, down slightly from the prior year. Nearly half of total SNC commitments are leveraged, and leveraged loans comprise 81 percent of non-pass loans. # # # Related Link: 2025 SNC Program Charts (PDF) MEDIA CONTACT: Federal Deposit Insurance Corporation Julianne Fisher Breitbeil (202) 898-6895 Federal Reserve Board Karolina Kalset (202) 452-2955 Office of the Comptroller of the Currency Monica McCoy (202) 649-6870 The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US