On April 7, 2026, the OCC and the FDIC jointly issued a final rule that codifies the elimination of reputation risk from their supervisory programs. The agencies believe that banking regulators’ use of the concept of reputation risk as a basis for supervisory criticisms increases subjectivity in banking supervision without adding material value from a safety and soundness perspective. 

On April 7, 2026, the FDIC issued a proposed rule that would implement certain requirements and standards under the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act). This is the second rulemaking issued by the FDIC to implement provisions of the GENIUS Act.

On April 7, 2026, the NCUA announced its ninth round of proposed regulatory changes associated with NCUA’s Deregulation Project. The project is an ongoing review of NCUA’s regulations to ensure regulations are focused on credit unions’ safety, soundness, and resilience. 

On April 6, 2026, the HUD issued a Notice informing the public that the Office of Fair Housing and Equal Opportunity (FHEO) has withdrawn several guidance documents. The withdrawal became effective on September 17, 2025.

The Federal Reserve System recently published its First Issue of Consumer Compliance Outlook for 2026. Consumer Compliance Outlook is the agency’s publication focusing on consumer compliance topics.

On April 1, 2026, the Treasury issued a proposed rule seeking public comment related to its implementation of the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act. The proposed rule establishes broad-based principles for determining when a State-level regulatory regime is substantially similar to the Federal regulatory framework.

In late March, the Federal Deposit Insurance Corporation (FDIC) made significant updates to its Risk Management Manual of Examination Policies. Notably, these revisions were implemented in Section 3.2, which focuses on Loans.