NEW
Fed Supervision & Regulation
Nov 25, 2025
Rules
The agencies have finalized a rule modifying certain regulatory capital standards. This change will affect how credit unions calculate and maintain their capital ratios.
Agencies issue final rule to modify certain regulatory capital standards
CFPB Final Rules
Nov 13, 2025
Rules
• Compliance dates for small business lending under Regulation B have been extended until June 2025.
• The CFPB finalized an interim final rule that amends Regulation B, making other adjustments.
CFPB finalizes its June 2025 interim final rule amending Regulation B, extending compliance dates in its 2023 small business lending rule and making other adjustments.
NEW
Fed Supervision & Regulation
Nov 05, 2025
Rules
- The Federal Reserve Board has finalized changes to its supervisory rating framework for large bank holding companies.
- These changes will affect how the Fed evaluates and rates these institutions.
Federal Reserve Board finalizes changes to its supervisory rating framework for large bank holding companies
CFPB Final Rules
Jun 18, 2025
Rules
The Equal Credit Opportunity Act (Regulation B) compliance dates for small business lending have been extended until 2025. This extension applies to all credit unions, including those in Texas.
Small business lending rule extension of compliance dates 2025
CFPB Newsroom
Mar 31, 2025
Rules
• The data includes loan-level information from financial institutions, modified for consumer privacy.
• The data set is now available for 2024 HMDA reporting.
The published data contain loan-level information filed by financial institutions and modified to protect consumer privacy.
NEW
FDIC Financial Institution Letters
Mar 03, 2025
Rules
TX
• Compliance date for certain provisions in the FDIC’s Sign and Advertising Rule has been delayed until March 1, 2026.
• The delay applies specifically to requirements related to digital channels and ATMs.
PRESS RELEASE | MARCH 3, 2025 FDIC Board of Directors Approves Delay of Compliance Date For Certain Provisions in Sign and Advertising Rule WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) Board of Directors today delayed the compliance date of certain provisions under the FDIC’s Sign and Advertising Rule. Specifically, the delay applies to requirements related to the display of the FDIC’s official sign on insured depository institutions’ (IDIs) digital channels, as well as to provisions related to IDIs’ automated teller machines (ATMs) and like devices. On December 20, 2023, the FDIC adopted a final rule that amended the FDIC’s signage and advertisement requirements for IDIs. Full compliance with these amendments was scheduled to take effect on May 1, 2025. Today’s Board action postpones the compliance date for sections 328.4 and 328.5 of the rule to March 1, 2026. The FDIC plans to use the additional time to propose adjustments to the regulation. Consistent with Section 18 of the FDI Act, the FDIC will continue to promote proper disclosure of FDIC insurance. However, the new requirements to display the FDIC official digital sign continue to generate questions regarding implementation, and may result in consumer confusion. The remaining provisions in the rule will still take effect on May 1, 2025. 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
CFPB Final Rules
Jan 07, 2025
Rules
The CFPB is finalizing a rule amending Regulation V under the FCRA, which prohibits creditors and consumer reporting agencies from including medical information in consumer reports. This change aims to protect consumers' privacy by limiting the types of information that can be reported.
The CFPB is finalizing a rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information.
CFPB Final Rules
Dec 18, 2024
Rules
The final rule adjusts the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the CPI-W. This affects how these institutions report home mortgage data under Regulation C.
The Consumer Financial Protection Bureau (Bureau) is issuing a final rule amending the official commentary that interprets the requirements of the Bureau's Regulation C (Home Mortgage Disclosure) to reflect the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).
CFPB Final Rules
Dec 18, 2024
Rules
• The rule amends Regulation Z to implement changes made by the Dodd-Frank Act and updates asset-size thresholds for certain creditors. • The exemption for escrow accounts in higher-priced mortgage loans now applies to insured depository institutions and credit unions with assets of $10 billion or less, adjusted annually for...
This rule amends Regulation Z (Truth in Lending) to implement certain amendments to the Truth in Lending Act made by the Dodd-Frank Act. This rule amends the official commentary that interprets the requirements of the Bureau’s Regulation Z (Truth in Lending) to reflect changes in the asset-size thresholds for certain creditors to qualify for an exemption to the requirement to establish an escrow account for a higher-priced mortgage loan. These changes reflect updates to, together with affiliates that regularly extended covered transactions secured by first liens, had total assets of less than $2 billion (adjusted annually for inflation) and the exemption the Bureau added, by implementing section 108 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA), for certain insured depository institutions and insured credit unions with assets of $10 billion or less (adjusted annually for inflation). These amendments are based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).
CFPB Final Rules
Dec 17, 2024
Rules
The CFPB amends Regulation Z to clarify how the Truth in Lending Act applies to PACE transactions. This rule does not specify a deadline for compliance.
In this final rule, the CFPB amends Regulation Z to address how the Truth in Lending Act applies to Property Assessed Clean Energy (PACE) transactions.
CFPB Final Rules
Dec 12, 2024
Rules
The CFPB final rule aims to enhance consumer comparison shopping for overdraft lending products and includes substantial protections similar to those in other consumer credit products. This regulation applies to very large financial institutions.
The CFPB is issuing this final rule to allow consumers to better comparison shop across credit products and provide substantive protections that apply to other consumer credit.
CFPB Final Rules
Nov 21, 2024
Rules
Final rule grants the CFPB authority to supervise and examine larger participants in the market for general-use digital consumer payment applications; no explicit action items or deadlines are mentioned.
Final rule to establish CFPB authority to supervise and examine larger participants of a market for general-use digital consumer payment applications (funds transfer apps and digital payment wallets.)
CFPB Final Rules
Nov 21, 2024
Rules
The final rule amends an appendix for Regulation V implementing the Fair Credit Reporting Act. This adjustment requires credit unions to update their FCRA disclosures annually.
This final rule amends an appendix for Regulation V, which implements the Fair Credit Reporting Act (FCRA).
CFPB Final Rules
Nov 20, 2024
Rules
The final rule revises dollar amounts for provisions implementing TILA and its amendments. It affects credit cards, HOEPA loans, and qualified mortgages.
This final rule revises, as applicable, dollar amounts for provisions implementing TILA and amendments to TILA.
CFPB Final Rules
Oct 04, 2024
Rules
The dollar threshold for exempt consumer leases under Regulation M has increased from $61,000 to $66,400. This change will take effect on January 1, 2023.
This final rule increases the dollar threshold for exempt consumer leases under Regulation M from $61,000 to $66,400, effective January 1, 2023.
CFPB Final Rules
Oct 04, 2024
Rules
- The dollar threshold for exemptions from special appraisal requirements for higher-priced mortgage loans has increased from $28,500 to $31,000.
- This change becomes effective January 1, 2023.
This final rule increases the dollar threshold exempting certain credit extensions from the special appraisal requirements for higher-priced mortgage loans from $28,500 to $31,000, effective January 1, 2023.
CFPB Final Rules
Oct 04, 2024
Rules
The dollar threshold for exempt consumer credit transactions under Regulation Z has been increased from $61,000 to $66,400; this change takes effect on January 1, 2023.
This final rule increases the dollar threshold for certain exempt consumer credit transactions under Regulation Z from $61,000 to $66,400, effective January 1, 2023.
CFPB Final Rules
Aug 13, 2024
Rules
The Truth in Lending Act applies to transactions where consumers purchase homes under a contract for deed. Credit unions need to ensure compliance with these regulations to protect consumer rights.
The Truth in Lending Act generally applies to transactions in which a consumer purchases a home under a “contract for deed.”
CFPB Final Rules
Jul 17, 2024
Rules
The final rule implements quality control standards for the use of automated valuation models by mortgage originators and secondary market issuers. These standards aim to ensure accurate determination of collateral worth in mortgages secured by a consumer’s principal dwelling.
The final rule implements quality control standards for the use of automated valuation models by mortgage originators and secondary market issuers in determining the collateral worth of a mortgage secured by a consumer’s principal dwelling.