Rules Articles

The nod comes roughly two months after digital-asset firms Circle, Ripple and Paxos received a similar green light.

FHFA has repealed a 2024 final rule that codified many of its existing practices and programs regarding fair housing and fair lending oversight of Fannie Mae, Freddie Mac and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 .

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 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 .

The Federal Deposit Insurance Corporation (FDIC) is amending its signage requirements for insured depository institutions' (IDIs) digital deposit-taking channels and automated teller machines (ATMs) and like devices. This final rule is intended to address implementation issues and sources of potential confusion raised following the adoption of signage requirements for these banking channels in 2023. The final rule provides additional flexibility to IDIs while also enabling consumers to better understand when they are conducting business with an IDI and when their funds are protected by the FDIC's deposit insurance coverage.

Both automakers must stand up their respective banks within 12 months. After that, they must maintain a minimum 15% tier 1 leverage ratio.

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 .

PRESS RELEASE | JANUARY 22, 2026 FDIC Approves the Deposit Insurance Applications for Ford Credit Bank, Salt Lake City, Utah, and GM Financial Bank, Salt Lake City, Utah WASHINGTON – The Board of Directors of the Federal Deposit Insurance Corporation (FDIC) today approved deposit insurance applications submitted by Ford Motor Company to establish Ford Credit Bank and General Motors Company to establish GM Financial Bank. Ford Credit Bank and GM Financial Bank will both be Utah-chartered industrial banks. Applications for deposit insurance are evaluated under a statutory framework of seven factors that include: the financial history and condition of the institution; the adequacy of the institution’s capital structure; the future earnings prospects of the institution; the general character and fitness of the management of the institution; the risk presented by the institution to the Deposit Insurance Fund; the convenience and needs of the community to be served by the institution; and whether the institution’s corporate powers are consistent with the purposes of the Federal Deposit Insurance Act. Ford Credit Bank’s proposed business model will focus on providing automotive financing products nationwide, primarily through the purchase of retail installment sales contracts from independent Ford dealers. Funding will primarily consist of retail savings accounts and time deposits obtained via the bank’s website and mobile application. FDIC staff found that Ford Credit Bank satisfied the statutory factors for approval, subject to certain conditions and written agreements. Among other conditions, Ford Credit Bank will be required to maintain a minimum 15 percent tier 1 leverage ratio, and Ford Motor Company will be required to support the bank’s capital and liquidity positions. GM Financial Bank’s proposed business model will focus on providing automotive financing products nationwide, primarily through the purchase of retail installment sales contracts from GMF. Funding will primarily consist of savings accounts and time deposits via the bank’s website and a mobile application. FDIC staff found that GM Financial Bank satisfied the statutory factors for approval, subject to certain conditions and written agreements. Among other conditions, GM Financial Bank will be required to maintain a minimum 15 percent tier 1 leverage ratio, and General Motors Company will be required to support the bank’s capital and liquidity positions. The FDIC approval orders expire if Ford Credit Bank and GM Financial Bank are not established within 12 months, unless extended by the FDIC. ATTACHMENTS: Deposit Insurance Approval Order Documents – Ford Credit Bank Deposit Insurance Approval Order Documents – GM Financial Bank # # # 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

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.

Agencies release annual asset-size thresholds under Community Reinvestment Act regulations

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).

PRESS RELEASE | DECEMBER 16, 2025 FDIC Approves the Deposit Insurance Application for Erebor Bank, N.A., Columbus, Ohio WASHINGTON – The Board of Directors of the Federal Deposit Insurance Corporation (FDIC) today approved a deposit insurance application to establish Erebor Bank, N.A. (Erebor Bank), a newly chartered national bank to be headquartered in Columbus, Ohio. The organizers of Erebor Bank applied to the Office of the Comptroller of the Currency for a national bank charter and received preliminary conditional approval on October 15, 2025. Erebor Bank’s proposed business model will focus on providing deposit and lending products to businesses and individuals in the technology, payment systems, investment, and defense industries, including virtual currency market participants. Applications for deposit insurance are evaluated under a statutory framework of seven factors that include: the financial history and condition of the institution; the adequacy of the institution's capital structure; the future earnings prospects of the institution; the general character and fitness of the management of the institution; the risk presented by the institution to the Deposit Insurance Fund; the convenience and needs of the community to be served by the institution; and whether the institution's corporate powers are consistent with the purposes of the Federal Deposit Insurance Act. FDIC staff found that Erebor Bank satisfied the statutory factors for approval, subject to certain conditions. Among other conditions, Erebor Bank will be required to implement protocols to comply with the FDIC’s regulations regarding processing of deposit accounts in the event of a bank failure, to maintain a minimum 12 percent tier 1 leverage ratio during its first three years of operation, and, in the event it ceases to be considered “well capitalized” or falls below the minimum capital levels required by its primary Federal regulator, to exercise its rights under its Capital Call Agreement to obtain at minimum the amount of capital necessary to be considered “well capitalized.” The FDIC Board’s approval order expires if Erebor Bank is not established within 12 months, unless extended by the FDIC. ATTACHMENTS: Deposit Insurance Approval Order # # # 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

Agencies announce dollar thresholds for smaller loan exemption from appraisal requirements for higher-priced mortgage loans

Agencies announce dollar thresholds for applicability of truth in lending and consumer leasing rules for consumer credit and lease transactions

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.

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.

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.

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.

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.

The CFPB and the FRB are announcing the dollar thresholds used to determine whether certain consumer credit and lease transactions in 2026 are subject to certain protections under Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing).

The CFPB, FRB, and OCC are announcing that the 2026 threshold for higher-priced mortgage loans that are subject to special appraisal requirements will increase from $33,500 to $34,200.

The CFPB is issuing a final rule to rescind its rule establishing a registry of certain final public orders applicable to certain nonbank covered persons.

PRESS RELEASE | NOVEMBER 28, 2025 FDIC Issues CRA Examination Schedule for First Quarter 2026 WASHINGTON—The Federal Deposit Insurance Corporation (FDIC) today issued the list of institutions scheduled for a Community Reinvestment Act (CRA) examination during the first quarter 2026.  CRA regulations require each federal bank and thrift regulator to publish its quarterly CRA examination schedule at least 30 days before the beginning of each quarter. The Community Reinvestment Act is a 1977 law that requires the FDIC to assess a bank’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operations.  CRA examinations allow federal regulators to assess an institution's record of helping to meet those needs. CRA examinations are scheduled based on an institution’s asset size and CRA rating.  Absent reasonable cause, an institution with $250 million or less in assets and a CRA rating of Satisfactory can be subject to a CRA examination no more frequently than once every 48 months.  Absent reasonable cause, an institution with $250 million or less in assets and a CRA rating of Outstanding can be subject to a CRA examination no more frequently than once every 60 months. The schedules of institutions to be examined January 1, 2026, through March 31, 2026, is based on the best information now available and is subject to change.  For example, a regulated financial institution not otherwise scheduled for an examination may be examined in connection with the application for a deposit facility.  Alternatively, some institutions may require more time and resources than originally allotted, thus delaying other scheduled examinations.  If an institution is rescheduled for a different quarter, that information will be included on a later list. Federal bank and thrift regulators encourage public comment on the institutions to be examined under the CRA. Comments about FDIC-supervised institutions should be directed to the institutions themselves or to the Deputy Regional Director of the appropriate FDIC regional office (attached).  All public comments received prior to completion of a CRA examination will be considered. The CRA examination schedule for the first quarter of 2026 is attached.  Schedules also can be obtained by calling (703) 562-2200 or (877) 275-3342, faxing a request to (703) 562-2296, or writing to: FDIC Public Information Center 3501 Fairfax Drive Room E-1002 Arlington, VA 22226 ATTACHMENTS: CRA Exam Schedule Listings for First Quarter 2026 FDIC CRA Regional Office Contacts # # # 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