On December 18, 2025, the OCC and the FDIC issued a joint statement to clarify supervisory expectations for OCC-supervised institutions’ and FDIC-supervised institutions’ compliance with insider lending restrictions and related reporting requirements with respect to certain types of related interests.

On December 19, 2025, the OCC rescinded 55 outdated or replaced OCC issuances published between 1983 and 2023 and 21 transmittal (or cover) bulletins issued between 2003 and 2023. The rescinded issuances were either outdated, replaced, incorporated, or is a cover letter that conveyed another document.

On December 17, 2025, the CFPB, together with the Attorney General of Massachusetts, reached a settlement with Key Credit Repair to resolve a lawsuit originally filed in 2020. This settlement underscores the ongoing efforts of regulatory agencies to protect consumers from potentially deceptive practices within the credit repair industry.

On December 16, 2025, the FDIC approved a notice of proposed rulemaking that would implement the application provisions under the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act). The GENIUS Act allows insured depository institutions to issue payment stablecoins through a subsidiary and to engage in certain related activities. 

On December 16, 2025, the OCC released their Fall 2025 edition of the publication Semiannual Risk Perspective. The publication addresses key issues facing banks, focusing on those that pose threats to the safety and soundness of banks and their compliance with applicable laws and regulations. 

On December 17, 2025, the Federal Reserve Board withdrew a 2023 policy statement and issued a new policy statement regarding the treatment of certain Board-supervised banks that facilitates responsible innovation. The updated policy statement provides a pathway for both insured and uninsured state member banks under Board supervision to participate in specific innovative activities.