All in Regulatory Update

FDIC Issues Final Rule Amending Official Signs and Advertising Requirements

Adam Witmer
Regulatory Update

On  January 29, 2026, the FDIC issued a final rule amending its signage requirements for insured depository institutions' (IDIs) digital deposit-taking channels and automated teller machines (ATMs) and like devices. The final rule addresses implementation issues and sources of potential confusion raised following the adoption of signage requirements for these banking channels in 2023. 

NCUA Announces 2026 Supervisory Priorities

Adam Witmer
Regulatory Update

On January 14, 2026, the NCUA announced its 2026 Supervisory Priorities, which it said would continue the agency’s policy of “No Regulation by Enforcement,” while prioritizing safety and soundness. According to the Agency, it will continue to focus on risk-based supervision, tailoring the examination scope to the credit union’s unique risk profile.

CFPB Discontinues HMDA Email Announcements

Adam Witmer
Regulatory Update, HMDA

On January 16, 2026, the Regulatory Report reported that the CFPB will discontinue its email service for notifying users about changes to Home Mortgage Disclosure Amendment (HMDA) requirements, starting January 20, 2026. According to the report, the Bureau cited "operational constraints" as the reason for discontinuation but did not provide any details about what these "operational constraints" were.

HUD Proposes to Eliminate Disparate Impact Liability Under the FHA

Adam Witmer
Fair Lending, Regulatory Update

On January 14, 2026, the HUD issued a proposed rule to remove its discriminatory effects regulations and leaving to courts questions related to interpretations of disparate impact liability under the Fair Housing Act. The proposal to remove disparate impact liability aligns with E.O. 14281issued in April 2025 titled “Restoring Equality of Opportunity and Meritocracy.” 

CFPB, DOJ Withdraw Statement on the ECOA and Noncitizen Borrowers

Adam Witmer
Fair Lending, Regulatory Update

On January 12, 2026, the CFPB and the DOJ withdrew their joint statement issued in October 2023 regarding the implications of a creditor's consideration of an individual's immigration status under the Equal Credit Opportunity Act (ECOA). The joint statement was issued to remind financial institutions that all credit applicants are protected from discrimination on the basis of their national origin, race, and other characteristics covered by the ECOA, regardless of their immigration status.

2026 HMDA Exemption Threshold

Adam Witmer
Regulatory Update, HMDA

On January 7, 2026, the CFPB issued a final rule that adjusted the HMDA exemption threshold from $58 million to $59 million. The adjustment is based on the 2.5 percent increase in the average of the CPI-W for the 12-month period ending in November 2025. Therefore, banks, savings associations, and credit unions with assets of $59 million or less as of Dec. 31, 2025, are exempt from collecting data in 2026.

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