On December 10, 2025, the NCUA announced the first round of proposed regulatory changes associated with a new initiative to review and potentially revise the agency’s regulations. The NCUA’s “Deregulation Project” follows Executive Order 14192 Unleashing Prosperity Through Deregulation.

Dec 10
Dec 10 FinCEN Fines Paxful $3.5 Million for Facilitating Suspicious Activity

Adam Witmer

BSA, Regulatory Update

On December 9, 2025, FinCEN assessed a $3,500,000 civil money penalty against Paxful, Inc. and Paxful USA, Inc. for willful violations of the BSA. Paxful is a convertible virtual currency (CVC), peer-to-peer (P2P) trading platform.

Dec 8
Dec 8 FinCEN Issues Financial Trend Analysis on Ransomware

Adam Witmer

Regulatory Update, BSA

On December 4, 2025, FinCEN issued a Financial Trend Analysis of ransomware incidents in BSA data from 2022 to 2024, totaling more than $2.1 billion in ransom payments. The report shifts the focus to the incident dates of each ransomware attack and provides greater visibility into the activities of ransomware actors.

Dec 2
Dec 2 FDIC Extends Official Signs and Advertising Requirements Compliance

Adam Witmer

Regulatory Update

On November 25, 2025, the FDIC announced that it is extending the compliance date for the requirements to display the FDIC official digital sign on an insured depository institution’s (IDI’s) digital deposit-taking channels and like devices from March 1, 2026, to January 1, 2027. The extension aligns the compliance date with the FDIC’s proposal issued earlier this year that would make adjustments to those provisions.

Dec 2
Dec 2 OCC Establishes Community Bank Minimum BSA/AML Exam Procedures

Adam Witmer

BSA, Regulatory Update

On November 24, 2025, the OCC issued the Community Bank Minimum Bank Secrecy Act (BSA/AML) Examination Procedures for BSA/AML compliance examinations. The new Community Bank Procedures will become effective for examinations beginning February 1, 2026.

Dec 1
Dec 1 CFPB Publishes FDCPA 2025 Annual Report

Adam Witmer

Regulatory Update

On November 21, 2025, the CFPB published its Fair Debt Collection Practices Act Annual (FDCPA) Report for 2025. The report includes a summary of the CFPB's activities to administer the FDCPA in 2024 and activities related to debt collection that were conducted by the Federal Trade Commission.

Nov 26
Nov 26 FATF Updates List of Deficient Countries (11/21/25)

Paula Parras

BSA, Regulatory Update

On November 21, 2025, FinCEN released an advisory on the FATF-identified jurisdictions with AML/CFT/CPF deficiencies. This advisory informs U.S. financial institutions about jurisdictions the Financial Action Task Force (FATF) has identified as having strategic deficiencies in their anti-money laundering, countering the financing of terrorism, and countering the financing of proliferation (AML/CFT/CPF) regimes.

Nov 26
Nov 26 CFPB Announces Year-End Furloughs and Transfer of Enforcement Work to DOJ

Adam Witmer

Regulatory Update

On November 20, 2025, the Government Executive reported that the CFPB will furlough much of its workforce on December 31, 2025, and transfer its remaining litigation and enforcement cases to the DOJ. This development follows the administration’s decision to stop drawing funds from the Federal Reserve, the statutory mechanism that has historically supported the bureau’s operations.

Nov 24
Nov 24 Trump Nominates New CFPB Director

Adam Witmer

Regulatory Update

On November 20, 2025, the America’s Credit Unions reported that President Donald Trump nominated Stuart Levenbach to fill CFPB Director position. If confirmed, Levenbach would step in for current CFPB Acting Director Russ Vought and replace former director Rohit Chopra.

Nov 24
Nov 24 Fed Enhances Bank Oversight to Prioritize Material Risks

Adam Witmer

Regulatory Update

On November 18, 2025, the Federal Reserve Board released information regarding enhancements to bank supervision. According to the announcement, the new supervisory operating principles have been distributed to supervisory leadership and staff across the Federal Reserve System with the primary goal of ensuring that examiners identify, prioritize, and act on the risks that matter most—while doing so in a timely and proportionate manner.

Dec 11
Dec 11 NCUA Publishes 4 Proposed Rules

Dec 10
Dec 10 FinCEN Fines Paxful $3.5 Million for Facilitating Suspicious Activity

Dec 8
Dec 8 FinCEN Issues Financial Trend Analysis on Ransomware

Dec 2
Dec 2 FDIC Extends Official Signs and Advertising Requirements Compliance

Dec 2
Dec 2 OCC Establishes Community Bank Minimum BSA/AML Exam Procedures

Dec 1
Dec 1 CFPB Publishes FDCPA 2025 Annual Report

Nov 26
Nov 26 FATF Updates List of Deficient Countries (11/21/25)

Nov 26
Nov 26 CFPB Announces Year-End Furloughs and Transfer of Enforcement Work to DOJ

Nov 24
Nov 24 Trump Nominates New CFPB Director

Nov 24
Nov 24 Fed Enhances Bank Oversight to Prioritize Material Risks

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