On April 15, 2026, FinCEN published a Fact Sheet detailing that FinCEN’s Rapid Response Program (RRP) has facilitated the interdiction of $1.8 billion and the recovery of over $1 billion in stolen proceeds on behalf of 5,790 U.S. victims. RRP is a partnership between FinCEN, U.S. law enforcement, and foreign partners working together to help victims and their financial institutions recover stolen funds sent abroad as the result of cyber-enabled fraud.

Apr 14
Apr 14 FDIC Rescinds Supervisory Guidance on Multiple Re-Presentment NSF Fees

Adam Witmer

Regulatory Update

On April 10, 2025, the FDIC rescinded FIL-32-2023 titled FDIC Clarifying Supervisory Approach Regarding Supervisory Guidance on Multiple Re-Presentment NSF Fees, describing the FDIC’s supervisory approach relating to supervised institutions assessing multiple non-sufficient funds (NSF) fees arising from the re-presentment of the same unpaid transaction.

Apr 13
Apr 13 Treasury Proposes Rule to Enforce GENIUS Act Against Illicit Finance

Adam Witmer

BSA, Regulatory Update

On April 8, 2026, FinCEN and the OFAC issued a joint proposed rule to implement provisions of the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act) in countering illicit finance. The GENIUS Act directs the Treasury to issue regulations that would treat permitted payment stablecoin issuers (PPSIs) as financial institutions for purposes of the BSA and impose anti-money laundering obligations on PPSIs.

Apr 13
Apr 13 FinCEN Issues Proposed Rule to Reform AML/CFT Programs

Adam Witmer

Regulatory Update, BSA

On April 7, 2026, FinCEN issued a proposed rule intended to fundamentally reform financial institutions’ anti-money laundering and countering the financing of terrorism (AML/CFT) programs under the Bank Secrecy Act (BSA). According to FinCEN, the proposed rule would promote risk-based, reasonably designed programs and greater consistency in how banks are evaluated for effectiveness.

Apr 9
Apr 9 Agencies Issue Proposed Rule on AML/CFT

Adam Witmer

BSA, Regulatory Update

On April 7, 2026, the FDIC, the OCC, and the NCUA jointly issued a proposed rule to amend the respective requirements for their supervised institutions to establish and maintain effective risk-based anti-money laundering and countering the financing of terrorism (AML/CFT) programs designed to identify, assess, and mitigate risks of illicit finance. The amendments are intended to align each agency’s AML/CFT rules with changes concurrently proposed by FinCEN.

Apr 9
Apr 9 Agencies Issue Final Rule Prohibiting the Use of Reputation Risk by Regulators

Adam Witmer

Regulatory Update

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.

Apr 8
Apr 8 FDIC Issues Proposed Rule to Implement GENIUS Act

Adam Witmer

Regulatory Update

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.

Apr 8
Apr 8 NCUA Announces Ninth Round of Deregulation Proposals

Adam Witmer

Regulatory Update

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.

Apr 7
Apr 7 HUD Withdraws Several Fair Housing and Equal Opportunity Guidance Documents

Adam Witmer

Regulatory Update

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.

Apr 7
Apr 7 First Issue of Consumer Compliance Outlook for 2026 Released

Adam Witmer

Regulatory Update

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.

Apr 16
Apr 16 FinCEN’s Rapid Response Program Intercepts Nearly $2 Billion for Cyber Fraud Victims

Apr 14
Apr 14 FDIC Rescinds Supervisory Guidance on Multiple Re-Presentment NSF Fees

Apr 13
Apr 13 Treasury Proposes Rule to Enforce GENIUS Act Against Illicit Finance

Apr 13
Apr 13 FinCEN Issues Proposed Rule to Reform AML/CFT Programs

Apr 9
Apr 9 Agencies Issue Proposed Rule on AML/CFT

Apr 9
Apr 9 Agencies Issue Final Rule Prohibiting the Use of Reputation Risk by Regulators

Apr 8
Apr 8 FDIC Issues Proposed Rule to Implement GENIUS Act

Apr 8
Apr 8 NCUA Announces Ninth Round of Deregulation Proposals

Apr 7
Apr 7 HUD Withdraws Several Fair Housing and Equal Opportunity Guidance Documents

Apr 7
Apr 7 First Issue of Consumer Compliance Outlook for 2026 Released

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