Banking Dive
Feb 24, 2026
Rules
The Office of the Comptroller of the Currency (OCC) has conditionally approved Crypto.com for a charter, following similar approvals for Circle, Ripple, Paxos, and Bridge. This approval comes roughly four months after Crypto.com's application.
The green light, which came roughly four months after Crypto.com applied, follows conditional approval for trust charters at Circle, Ripple, Paxos and, most recently, Bridge.
Federal Reserve Press
Feb 19, 2026
Rules
• Federal Reserve Board approved Fulton Financial Corporation's application.
• No explicit mention of Texas or Texas-specific entities.
Federal Reserve Board announces approval of application by Fulton Financial Corporation
Banking Dive
Feb 18, 2026
Rules
The Office of the Comptroller of the Currency (OCC) has conditionally approved Stripe subsidiary Bridge for a trust charter. This approval follows similar approvals given to digital-asset firms Circle, Ripple, and Paxos.
The nod comes roughly two months after digital-asset firms Circle, Ripple and Paxos received a similar green light.
ABA Banking Journal
Feb 10, 2026
Rules
• FHFA has repealed a 2024 final rule that codified fair housing and fair lending oversight practices for Fannie Mae, Freddie Mac, and the Federal Home Loan Banks.
• This repeal may impact how these institutions approach compliance with fair lending regulations.
FHFA has repealed a 2024 final rule that codified many of its existing practices and programs regarding fair housing and fair lending oversight of Fannie Mae, Freddie Mac and the Federal Home Loan Banks. The post FHFA finalizes repeal of fair lending rule appeared first on ABA Banking Journal .
Banking Dive
Feb 05, 2026
Rules
A 1.2% tax applies to gross income generated from transactions where Washington state credit unions buy banks, effective for deals submitted after Jan. 1, 2026; no deductions are allowed.
A 1.2% tax applies to gross income generated from such transactions, meaning there are no deductions for labor and materials, to deals submitted for regulatory approval after Jan. 1, 2026.
ABA Banking Journal
Feb 04, 2026
Rules
- The Federal Reserve finalized the stress test scenarios for large banks.
- Current stress capital buffer requirements will remain until 2027.
The Federal Reserve finalized the hypothetical scenarios for its annual stress test for large banks. In addition, the Fed board voted to maintain the current stress capital buffer requirements until 2027. The post Fed finalizes annual stress test scenarios for large banks appeared first on ABA Banking Journal .
Federal Reserve Press
Feb 04, 2026
Rules
- The Federal Reserve Board has finalized hypothetical scenarios for the annual stress test.
- Capital requirements related to the stress test will remain unchanged until public feedback is considered.
Federal Reserve Board finalizes hypothetical scenarios for its annual stress test and votes to maintain the current stress test-related capital requirements until public feedback can be considered
ABA Banking Journal
Feb 02, 2026
Rules
The ABA has filed an amicus brief urging the Eighth Circuit to reverse a decision by a North Dakota district court which vacated Reg. II; this decision impacts credit union compliance and operations.
ABA filed a coalition amicus brief urging the Eighth Circuit to reverse a North Dakota district court decision which vacated Reg. II. The post ABA files amicus brief urging Eighth Circuit to reverse vacatur of Reg. II appeared first on ABA Banking Journal .
Federal Reserve Press
Jan 30, 2026
Rules
• Federal Reserve Board approved Cornerstone Capital Bancorp, Inc.'s application.
• No explicit mention of Texas or Texas-specific entities.
Federal Reserve Board announces approval of application by Cornerstone Capital Bancorp, Inc.
Banking Dive
Jan 23, 2026
Rules
Both automakers must establish their banks within 12 months and maintain a minimum 15% tier 1 leverage ratio thereafter; this does not explicitly mention Texas but could have broader implications for compliance practices.
Both automakers must stand up their respective banks within 12 months. After that, they must maintain a minimum 15% tier 1 leverage ratio.
ABA Banking Journal
Jan 22, 2026
Rules
The FDIC finalized changes to its signage rules and delayed the compliance date. The new rules will take effect in June 2024.
The FDIC board finalized several proposed changes to its recently revised signage rules and pushed back the compliance date by a few months. The post FDIC adopts changes to signage rules appeared first on ABA Banking Journal .
ABA Banking Journal
Jan 16, 2026
Rules
The Community Development Institutions Fund will receive $324 million in 2026, maintaining current funding levels; no explicit mention of Texas or Texas-specific entities.
Lawmakers have agreed to budget $324 million for the Community Development Institutions Fund in fiscal year 2026, which would maintain the program’s funding at current levels, according to a conference report released by the Senate Appropriations Committee. The post Congress budgets $342M for CDFI Fund in 2026 appeared first on ABA Banking Journal .
Federal Reserve Press
Jan 13, 2026
Rules
• Federal Reserve Board approved Fifth Third Bancorp’s application.
• No explicit Texas-specific information provided.
Federal Reserve Board announces approval of application by Fifth Third Bancorp
Federal Register - Credit Unions
Jan 12, 2026
Rules
• The NCUA Board issued an interim final rule correcting the numbering of one system of records and exempting another from certain Privacy Act requirements.
• The rule was issued without advance notice-and-comment procedures due to good cause and is effective immediately.
In accordance with the Privacy Act of 1974, the National Credit Union Administration (NCUA) Board is issuing this interim final rule to make a correction to the numbering of one system of records and to exempt one system of records from certain requirements of the Act. NCUA has previously published System of Records Notices (SORN) for these systems. The Board has found good cause to issue the interim final rule without advance notice-and-comment procedures and with an immediate effective date.
Federal Reserve Press
Jan 08, 2026
Rules
• Federal Reserve Board approved the application by Prosperity Bancshares, Inc.
• No direct impact or action required for Texas credit unions based on this announcement.
Federal Reserve Board announces approval of application by Prosperity Bancshares, Inc.
Federal Reserve Press
Dec 30, 2025
Rules
- Community Reinvestment Act (CRA) asset-size thresholds have been released for the current year.
- These thresholds will be used by regulators when assessing a credit union's CRA performance.
Agencies release annual asset-size thresholds under Community Reinvestment Act regulations
Federal Reserve Press
Dec 23, 2025
Rules
• Federal Reserve Board approved National Bank Holdings Corporation’s application.
• No explicit impact or relevance to Texas credit unions mentioned.
Federal Reserve Board announces approval of the application by National Bank Holdings Corporation
CFPB Final Rules
Dec 17, 2025
Rules
The final rule rescinds certain amendments made in 2022 and 2023 to the Rules of Practice for Adjudication Proceedings. These rules govern proceedings conducted by the Consumer Financial Protection Bureau (CFPB).
The Rules of Practice for Adjudication Proceedings govern adjudication proceedings conducted by the Consumer Financial Protection Bureau (CFPB). This final rule rescinds certain amendments it adopted to the Rules of Practice on February 22, 2022, and March 29, 2023 (2022 and 2023 amendments).
Federal Reserve Press
Dec 15, 2025
Rules
- Smaller loan exemption from appraisal requirements for higher-priced mortgage loans announced with specific dollar thresholds
- No explicit mention of Texas-specific entities or regulations
Agencies announce dollar thresholds for smaller loan exemption from appraisal requirements for higher-priced mortgage loans
Federal Reserve Press
Dec 15, 2025
Rules
The agencies have established new dollar thresholds for the applicability of Truth in Lending and Consumer Leasing rules. These changes will affect how these regulations apply to consumer credit and lease transactions.
Agencies announce dollar thresholds for applicability of truth in lending and consumer leasing rules for consumer credit and lease transactions
CFPB Final Rules
Dec 15, 2025
Rules
The OCC, the Board, and the Bureau are finalizing amendments to their regulations based on the CPI-W as of June 1, 2025. These changes will affect appraisals for higher-priced mortgage loans.
The OCC, the Board, and the Bureau are finalizing amendments to the official interpretations for their regulations that implement section 129H of the Truth in Lending Act (TILA) based on the CPI-W in effect as of June 1, 2025.
CFPB Final Rules
Dec 15, 2025
Rules
- The exemption threshold for consumer credit transactions in Regulation Z will increase from $71,900 to $73,400 effective January 1, 2026.
- This change is based on the annual percentage increase in the CPI-W as of June 1, 2025.
Based on the annual percentage increase in the CPI-W as of June 1, 2025, the exemption threshold for consumer credit transactions in Regulation Z will increase from $71,900 to $73,400 effective, January 1, 2026.
CFPB Final Rules
Dec 15, 2025
Rules
The exemption threshold for consumer leases under Regulation M will increase from $71,900 to $73,400 effective January 1, 2026; this change is based on the annual percentage increase in the CPI-W as of June 1, 2025.
Based on the annual percentage increase in the CPI-W as of June 1, 2025, the exemption threshold for consumer leases in Regulation M will increase from $71,900 to $73,400 effective January 1, 2026.
CFPB Final Rules
Dec 15, 2025
Rules
The Consumer Financial Protection Bureau has established the maximum allowable charge for disclosures by a consumer reporting agency to a consumer in 2026; this rule does not provide specific details on the dollar amount.
The Consumer Financial Protection Bureau is required to calculate annually the dollar amount of the maximum allowable charge for disclosures by a consumer reporting agency to a consumer pursuant to section 609 of the FCRA; this final rule establishes the maximum allowable charge for the 2026 calendar year.
CFPB Final Rules
Dec 15, 2025
Rules
The Bureau has revised the dollar amounts for certain provisions in Regulation Z implementing Truth in Lending Act (TILA), including adjustments for credit cards, Home Ownership and Equity Protection Act (HOEPA) loans, and Qualified Mortgages. These changes take effect on January 1, 2024.
The Bureau is required to calculate annually the dollar amounts for several provisions in Regulation Z; this final rule revises dollar amounts for certain provisions implementing TILA and amendments to TILA.