On December 31, 2025, FinCEN issued a final rule to extend the effective date of the rule establishing Anti-Money Laundering/Countering the Financing of Terrorism Program and Suspicious Activity Report Filing Requirements for Registered Investment Advisers and Exempt Reporting Advisers (IA AML Rule) from January 1, 2026, until January 1, 2028.

Dec 31
Dec 31 Agencies Release CRA Asset-Size Thresholds for 2026

Adam Witmer

CRA, Regulatory Update

On December 30, 2025, the Federal Reserve Board and the FDIC issued the 2026 updated asset-size thresholds used to define "small bank" and "intermediate small bank" under their Community Reinvestment Act (CRA) regulations.

Dec 30
Dec 30 NCUA Issues Second Set of Deregulation Proposals

Adam Witmer

Regulatory Update

On December 23, 2025, the NCUA announced the second round of proposed regulatory changes associated with NCUA’s Deregulation Project. The NCUA issued the first set of proposed rules earlier this month.

Dec 29
Dec 29 OCC and FDIC Statement on Investment Funds and Insider Lending Restrictions

Adam Witmer

Regulatory Update

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.

Dec 29
Dec 29 OCC Issues CRA Plan to Ease Community Bank Regulations

Adam Witmer

Regulatory Update, CRA

On December 17, 2025, the OCC issued proposed guidance for a simplified strategic plan process for community banks to comply with the Community Reinvestment Act (CRA). This action is part of OCC’s reform to reduce burden and tailor examination activities for community banks.

Dec 24
Dec 24 FinCEN’s Data-Driven Border Operation to Address Potential Money Laundering

Adam Witmer

BSA, Regulatory Update

On December 22, 2025, FinCEN announced a multi-tiered operation targeting more than 100 U.S. money services businesses (MSBs) operating along the southwest border to look for potential non-compliance with regulations designed to detect money laundering and combat illicit finance. According to FinCEN, the operation resulted in the issuance of six notices of investigation, dozens of examination referrals to the Internal Revenue Service (IRS), and over 50 compliance outreach letters.

Dec 23
Dec 23 FinCEN Exchange to Identify and Dismantle Money Laundering Networks

Adam Witmer

BSA, Regulatory Update

On December 19, 2025, FinCEN held a FinCEN Exchange focused on denying individual Chinese money launders access to the U.S. and global financial systems. The Exchange was attended by global financial institutions, federal law enforcement agencies, and Treasury officials.

Dec 23
Dec 23 OCC Rescinds Several Issuances

Adam Witmer

Regulatory Update

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.

Dec 22
Dec 22 CFPB Settles with Key Credit Repair

Adam Witmer

Regulatory Update

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.

Dec 22
Dec 22 FDIC Approves GENIUS Act Procedures for Payment Stablecoin Issuance

Adam Witmer

Regulatory Update

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.

Jan 5
Jan 5 FinCEN Issues Final Rule Postponing the Implementation of the Investment Adviser Rule

Dec 31
Dec 31 Agencies Release CRA Asset-Size Thresholds for 2026

Dec 30
Dec 30 NCUA Issues Second Set of Deregulation Proposals

Dec 29
Dec 29 OCC and FDIC Statement on Investment Funds and Insider Lending Restrictions

Dec 29
Dec 29 OCC Issues CRA Plan to Ease Community Bank Regulations

Dec 24
Dec 24 FinCEN’s Data-Driven Border Operation to Address Potential Money Laundering

Dec 23
Dec 23 FinCEN Exchange to Identify and Dismantle Money Laundering Networks

Dec 23
Dec 23 OCC Rescinds Several Issuances

Dec 22
Dec 22 CFPB Settles with Key Credit Repair

Dec 22
Dec 22 FDIC Approves GENIUS Act Procedures for Payment Stablecoin Issuance

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