Proposals Articles

The Federal Reserve Board voted 6-1 on Friday to gather public comment on creating a new special payments account for use by financial institutions.

Federal Reserve Board requests public input on “payment account,” which eligible financial institutions could use for the limited purpose of clearing and settling their payments

The company also appointed an alum of SoFi, Green Dot and Goldman Sachs to serve as CEO of the proposed bank. The move comes after the OCC approved five crypto firms for a different type of charter.

This notice informs the public of the National Credit Union Administration's (NCUA's) proposal to modify system of records notice NCUA-19. This system of records serves as the core financial and acquisition system and integrates NCUA's program, financial, and budgetary information.

The National Credit Union Administration (NCUA) will submit the following information collection requests to the Office of Management and Budget (OMB) for review and clearance in accordance with the Paperwork Reduction Act of 1995, on or after the date of publication of this notice.

The NCUA Board is proposing to amend its regulations governing supervisory committee audits to eliminate unnecessary, redundant, and overly prescriptive provisions. This action is necessary to reduce regulatory burden, increase operational flexibility for credit unions, and streamline the rules by removing requirements that are outdated or duplicative of other authorities. The intended effect of this proposal is to simplify compliance for credit unions without compromising the integrity of the audit process.

The NCUA Board (Board) is proposing to amend its regulations for corporate credit unions by removing the requirement that a corporate credit union's asset and liability management committee (ALCO) must have at least one member who is also a member of the corporate credit union's board of directors. The proposed rule would also remove filing requirements related to a corporate credit union's annual report and any management letter or other report issued by its independent public accountant. The intended effect is to reduce unnecessary regulatory burden and provide corporate credit unions with greater flexibility.

Agencies issue proposal to enhance community banks’ ability to serve their communities while maintaining strong capital requirements

Federal Reserve Board announces it will extend until February 21, 2026, the comment period on proposal to improve stress test model and scenario transparency and accountability

BOARD MEETING | OCTOBER 7, 2025 FDIC Board of Directors Meeting Today, the Federal Deposit Insurance Corporation's Board of Directors met in open and closed sessions. Materials and information relative to the open Board actions are available on the  Board Matters webpage . Items Addressed in Open Session: Notice of Proposed Rulemaking regarding Unsafe or Unsound Practices, Matters Requiring Attention Press Release Statement by Acting Chairman Hill Financial Institution Letter Notice of Proposed Rulemaking regarding Prohibition on Use of Reputation Risk by Regulators Press Release Statement by Acting Chairman Hill A recording of the  full webcast of the open session  is available. Board Materials 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

BOARD MATTERS | AUGUST 19, 2025 FDIC Board Approves Proposal to Amend Official Signs and Advertising Requirements By notational vote, the Federal Deposit Insurance Corporation's Board of Directors today unanimously approved the following matter. Materials and information related to  this Board action are available on the Board Matters webpage . Notice of Proposed Rulemaking: FDIC Official Signs, Advertisement of Membership, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC’s Name or Logo Press Release Financial Institution Letter Board Materials 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

BOARD MEETING | JULY 15, 2025 FDIC Board of Directors Meeting Today, the Federal Deposit Insurance Corporation's Board of Directors met in open and closed sessions. Materials and information relative to the open Board actions are available on the Board Matters webpage . Items addressed in Open Session: Notice regarding Proposed Amendments to FDIC Guidelines for Appeals of Material Supervisory Determinations Press Release Statement by Acting Chairman Hill Financial Institution Letter Notice of Proposed Rulemaking regarding Adjusting and Indexing Part 363 and Certain Other FDIC Regulatory Thresholds Press Release Statement by Acting Chairman Hill Financial Institution Letter Request for Information regarding Industrial Banks and Industrial Loan Companies and Their Parent Companies; and Notice regarding Parent Companies of Industrial Banks and Industrial Loan Companies; Withdrawal of Proposed Rule Press Release Statement by Acting Chairman Hill Financial Institution Letter Notice of Proposed Rulemaking regarding Community Reinvestment Act Regulations Notice of Proposed Rulemaking regarding Establishment and Relocation of Branches and Offices Press Release Statement by Acting Chairman Hill Financial Institution Letter Notice regarding Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996 A recording of the  full webcast of the open session  is available. Board Materials 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

PRESS RELEASE | MARCH 3, 2025 FDIC Board of Directors Withdraws Four Outstanding Proposed Rules WASHINGTON – The Federal Deposit Insurance Corporation’s (FDIC) Board of Directors today approved the withdrawal of three outstanding proposed rules relating to brokered deposits, corporate governance, and the Change in Bank Control Act (CBCA).  The FDIC is also withdrawing authority for staff to publish in the Federal Register a proposed rule related to incentive-based compensation arrangements. The brokered deposits proposal was published in the Federal Register on August 23, 2024 and would have significantly disrupted many aspects of the deposit landscape. The corporate governance proposal was published in the Federal Register on October 11, 2023 and would have created a number of overly prescriptive and process-oriented expectations for management and boards of directors of FDIC-supervised institutions with $10 billion or more in total consolidated assets. The proposal related to the CBCA was published in the Federal Register on August 19, 2024 and would have removed an exemption from the requirement to submit a notice to the FDIC for an acquisition of voting securities of a depository institution holding company for which the Federal Reserve reviews a CBCA notice. The proposal related to incentive-based compensation arrangements was approved by the FDIC Board on May 3, 2024, but was never published in the Federal Register . If the FDIC pursues regulatory action on these matters in the future, it will do so by publishing new proposals or other issuances consistent with the Administrative Procedure Act. ATTACHMENTS: Federal Register Notice Financial Institution Letter ### MEDIA CONTACT:  [email protected] The FDIC does not send unsolicited e-mail. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . STAY CONNECTED

PRESS RELEASE | MARCH 3, 2025 FDIC Board of Directors Approves Proposal to Rescind 2024 Bank Merger Policy Statement WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) Board of Directors today approved a proposal to rescind the agency’s 2024 Statement of Policy on Bank Merger Transactions . The FDIC’s proposal will reinstate, on an interim basis, the Merger Policy Statement that was in effect prior to 2024 as the agency conducts a broader reevaluation of its bank merger review process. The proposal approved today seeks to address concerns the 2024 Statement added considerable uncertainty to the merger application process.  While the FDIC considers broader revisions to its merger policy, the FDIC is proposing to return to its historical approach, which is well-understood by market participants.  Interested parties may submit written comments on this proposal up until 30 days after publication in the Federal Register . ATTACHMENTS: Federal Register Notice Financial Institution Letter ### MEDIA CONTACT:  [email protected] The FDIC does not send unsolicited e-mail. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . STAY CONNECTED

BOARD MEETING | DECEMBER 17, 2024 FDIC Board of Directors Meeting Today the Federal Deposit Insurance Corporation’s Board of Directors met in open and closed sessions. Materials and information relative to the Board actions are available  here . Open Session: Proposed 2025 FDIC Operating Budget Discussion Draft relating to FDIC Policy regarding the Annunzio-Wylie Anti-Money Laundering Act Discussion Draft relating to FDIC Policy on Bank Capital Distributions in Unusual and Exigent Circumstances Closed Session: Request for Authority to Sue Six Former Officers and Eleven Former Directors Silicon Valley Bank, Santa Clara, CA A recording of the full webcast of the open meeting is available  here . Read more The FDIC does not send unsolicited e-mail. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . STAY CONNECTED

CFPB Issues Required Rulemaking on Personal Financial Data Rights (CFPA section 1033).