ABA Banking Journal
Jan 29, 2026
Security
The article discusses the challenge of spoofed calls from criminals and the need to protect lawful bank communications. It highlights the importance of identifying legitimate calls amidst fraudulent ones.
Confronting the increasing challenge of spoofed calls to customers from criminals, while protecting lawful bank calls The post ABA Fraudcast: Who is calling me? appeared first on ABA Banking Journal .
ABA Banking Journal
Jan 28, 2026
Security
Artificial intelligence remains a top priority for community financial institutions in 2026; cybersecurity and digital assets also areas of focus. The survey was conducted by software solutions provider CSI.
Artificial intelligence remains a top priority for community financial institutions in 2026, with cybersecurity and digital assets also areas of focus, according to a new survey by software solutions provider CSI. The post Survey: AI, cybersecurity top priorities to community banks in 2026 appeared first on ABA Banking Journal .
ABA Banking Journal
Jan 27, 2026
Guidance
ABA recommended third-party service providers enhance transparency and support innovation; steps include regular risk assessments and clear communication channels.
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 .
ABA Banking Journal
Jan 27, 2026
Sen. Marshall has dropped an amendment to add credit card routing mandates to a cryptocurrency regulation bill; this decision may impact the broader regulatory landscape for financial institutions, including credit unions.
Sen. Roger Marshall (R-Kan.) no longer plans to offer an amendment to add credit card routing mandates to an unrelated bill on cryptocurrency regulation, Politico and Punchbowl News reported. The post Reports: Sen. Marshall to drop credit card routing mandate amendment to crypto bill appeared first on ABA Banking Journal .
ABA Banking Journal
Jan 26, 2026
Proposals
- Senator Marshall has proposed an amendment to add credit card routing mandates to a cryptocurrency regulation bill.
- The new language would allow state attorneys general to seek civil penalties for violations of the proposed law.
Den. Roger Marshall (R-Kan.) has proposed an amendment to add credit card routing mandates to an unrelated bill on cryptocurrency regulation, including new language that would empower state attorneys general to seek civil penalties for violations of the proposed law. The post Sen. Marshall proposes to add Credit Card Competition Act to crypto bill appeared first on ABA Banking Journal .
ABA Banking Journal
Jan 26, 2026
Enforcement
• OFAC updated its list of Specially Designated Nationals and Blocked Persons.
• No specific actions required for Texas credit unions at this time.
News items that are the most recent sanctions-related actions from the Office of Foreign Assets Control. The post Recent news from Treasury’s Office of Foreign Assets Control: January 26 appeared first on ABA Banking Journal .
ABA Banking Journal
Jan 26, 2026
The article discusses the potential benefits and risks of using artificial intelligence in banking operations. It highlights the need for credit unions to be prepared with robust risk management strategies when integrating AI technologies.
Risk, readiness and the next frontier The post Banking on AI appeared first on ABA Banking Journal .
ABA Banking Journal
Jan 23, 2026
Proposals
The House Financial Services Committee advanced three bills supported by ABA: regulatory tailoring for community banks, reauthorization of the Terrorism Risk Insurance Program, and raising Bank Secrecy Act reporting thresholds.
The House Financial Services Committee advanced three bills supported by ABA, covering regulatory tailoring for community banks, reauthorization of the Terrorism Risk Insurance Program, and raising Bank Secrecy Act reporting thresholds. The post House committee advances three ABA-backed bills appeared first on ABA Banking Journal .
ABA Banking Journal
Jan 22, 2026
Security
The FDIC has approved deposit insurance applications for Ford and GM to establish industrial banks. This move could potentially impact the competitive landscape in the banking industry, particularly for auto manufacturers.
The FDIC has approved two deposit insurance applications submitted by automobile manufacturers Ford and GM to establish industrial banks, according to an agency statement. The post FDIC approves deposit insurance applications for Ford, GM industrial banks appeared first on ABA Banking Journal .
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 22, 2026
Enforcement
- The FDIC has reinstated an independent office to oversee bank appeals of its supervisory decisions.
- The OCC plans to explore similar reforms for its supervisory appeals process.
The FDIC board voted to bring back an independent office at the agency to oversee bank appeals of its supervisory decisions. In addition, the OCC plans to explore similar reforms to its supervisory appeals process. The post FDIC reinstates independent supervisory appeals office appeared first on ABA Banking Journal .
ABA Banking Journal
Jan 21, 2026
Security
Artificial intelligence is enhancing cybersecurity efforts but also enabling fraud. Cyber-enabled fraud will affect people of various backgrounds in 2026.
Artificial intelligence is “supercharging” the cybersecurity arms race, with cyber-enabled fraud affecting people of all stripes, according to a new Global Cybersecurity Outlook report by the World Economic Forum and professional services firm Accenture. The post Survey: AI, fraud among top cybersecurity trends for 2026 appeared first on ABA Banking Journal .
ABA Banking Journal
Jan 21, 2026
The American Bankers Association (ABA) has urged the FDIC to defer collection of a special assessment on certain banks, citing ongoing litigation related to recent bank failures. This move would provide more time for legal proceedings regarding loss recovery.
The FDIC should defer collection of the special assessment imposed on certain banks following the failures of Silicon Valley Bank and Signature Bank, which would give more time for litigation to play out regarding the recovery of losses caused by the closures, ABA said in a letter to the agency. The post ABA urges FDIC to pause special assessment collection appeared first on ABA Banking Journal .
ABA Banking Journal
Jan 20, 2026
Proposals
- ABA supports the OCC's proposal to overhaul community bank licensing requirements as part of reducing regulatory burden.
- The proposal aims to streamline and simplify existing licensing processes for community banks.
ABA said it supports a proposal by the OCC to revise licensing requirements for community banks as part of a broader effort to reduce the overall regulatory burden on the institutions. The post ABA supports OCC proposal to overhaul community bank licensing requirements appeared first on ABA Banking Journal .
ABA Banking Journal
Jan 20, 2026
Proposals
The ABA and four other associations have requested an extension of the comment period for the FDIC's proposal on issuing stablecoins through a subsidiary. This request aims to allow more time for stakeholders to provide feedback.
ABA joined four other associations to request that the FDIC push back the deadline for comment on its proposal to create a process through which banks can seek agency approval to issue stablecoins through a subsidiary. The post ABA, associations seek extension of comment period for FDIC’s Genius Act implementation appeared first on ABA Banking Journal .
ABA Banking Journal
Jan 20, 2026
Enforcement
- OFAC has issued recent sanctions-related actions.
- No explicit mentions of Texas or Texas-specific entities.
News items that are the most recent sanctions-related actions from the Office of Foreign Assets Control. The post Recent news from Treasury’s Office of Foreign Assets Control: January 20 appeared first on ABA Banking Journal .
ABA Banking Journal
Jan 16, 2026
Proposals
Three Democratic senators have introduced legislation to lower the cap on credit card late fees to $8; this rule was previously implemented during the Biden administration.
Three Democratic senators have introduced legislation to revive a Biden-era rule that would lower the cap on credit card late fees to $8. The post Democratic senators introduce bill to lower credit card late fee cap appeared first on ABA Banking Journal .
ABA Banking Journal
Jan 14, 2026
Proposals
HUD proposes to rescind rules allowing the use of disparate impact in determining Fair Housing Act violations; this could affect how credit unions assess and mitigate housing discrimination risks.
The Department of Housing and Urban Development is proposing to rescind three rules allowing the use of disparate impact in determining Fair Housing Act violations. The post HUD proposes to remove disparate impact from Fair Housing Act rule appeared first on ABA Banking Journal .
ABA Banking Journal
Jan 14, 2026
Security
Artificial intelligence (AI)-driven romance scams and machine-to-machine frauds are identified as top 2026 fraud trends. Credit reporting agency Experian highlights these emerging threats.
Romance scams carried out by artificial intelligence and computers scamming other computers are among the top five fraud trends to watch out for in 2026, according to a new report by credit reporting agency Experian. The post AI romance, ‘machine-to-machine’ scams among top 2026 fraud trends appeared first on ABA Banking Journal .