On March 3, 2026, the OCC issued two final rules to reduce the regulatory burden for community banks. These actions, according to the OCC, build upon its ongoing efforts to tailor bank supervision and regulation to bank risk profile and reduce burden for its regulated institutions so they can focus resources on core functions.

On February 25, 2025, the OCC issued a proposed rulemaking to implement the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act. The GENIUS Act provides a federal regulatory framework for payment stablecoin.

On February 24, 2026, the NCUA announced the sixth round of proposed regulatory changes associated with its Deregulation Project. The project is an ongoing review of NCUA’s regulations to ensure that regulations are focused on credit unions’ safety, soundness, and resilience.

On February 19, 2026, the Federal Reserve Board announced that it will hold a hybrid public outreach meeting on March 26, 2026, as part of its review of regulations under the Economic Growth and Regulatory Paperwork Reduction Act (EGRPRA). EGRPRA mandates that the Board, with public input, review its regulations every 10 years to identify outdated or unnecessarily burdensome requirements for certain supervised institutions.

On February 16, 2026, Vice Chair for Supervision Michelle Bowman spoke at the American Bankers Association 2026 Conference for Community Bankers, where she talked about the significant migration of mortgage origination and servicing from banks to nonbanks and the regulatory factors that may be driving this shift. In her speech, Bowman highlighted a long-term contraction in bank participation in the mortgage market.