Fed Reserve & Banking
Material regulatory developments from U.S. Federal Reserve System and Office of the Comptroller of the Currency are tracked daily by Cresthaven Analytics. Over the last 90 days, 20 material briefs relevant to professionals operating in the financial & capital markets sector have been published below. Each brief is sourced directly from the primary regulatory feed, summarized for institutional readers, and scored for materiality.
Recent material activity
Federal Reserve terminates cease-and-desist order against United Texas Bank and written agreement with Quontic entities
The Federal Reserve Board terminated two enforcement actions effective September 2, 2026. The terminations close a cease-and-desist order issued to United Texas Bank in August 2024 and a written agreement with Quontic Ba…
Read the full Fed Reserve & Banking brief →Five federal regulators issue joint statement clarifying SAR confidentiality rules for customer-facing communications
On September 2, 2026, the OCC, Federal Reserve, FDIC, FinCEN, and NCUA issued a joint statement clarifying how Bank Secrecy Act SAR confidentiality requirements apply when financial institutions communicate with customer…
Read the full Fed Reserve & Banking brief →OCC revises internal enforcement and MRA policies governing how examiners escalate supervisory actions against national banks
On August 27, 2026, the OCC released revised versions of PPM 5310-3 and PPM 5400-11, updating its internal frameworks for bank enforcement actions and Matters Requiring Attention. The revisions govern how OCC examiners i…
Read the full Fed Reserve & Banking brief →OCC and FDIC issue joint final rule defining unsafe or unsound practice and revising MRA supervisory framework
The OCC and FDIC issued a joint final rule on August 27, 2026 that defines 'unsafe or unsound practice' under the Federal Deposit Insurance Act and revises the supervisory framework governing matters requiring attention.…
Read the full Fed Reserve & Banking brief →OCC proposes two-tier MRA standard separating substantive from technical violations of law
The OCC issued a notice of proposed rulemaking on August 27, 2026 to refine the standard governing when examiners issue Matters Requiring Attention for violations of laws and regulations. The proposal establishes two dis…
Read the full Fed Reserve & Banking brief →OCC and FDIC issue final rule refocusing examiners on material financial risks and legal compliance
The OCC and FDIC jointly issued a final rule on August 27, 2026, directing examiner and institution attention toward material financial risks and compliance with banking and banking-related laws. The rule adopts the agen…
Read the full Fed Reserve & Banking brief →OCC revises MRA and enforcement action policies and proposes amendments to violations framework for national banks
The OCC announced revised policies and procedures manuals on August 27, 2026, governing Matters Requiring Attention and enforcement actions, alongside a proposed amendment to its Violations of Laws and Regulations framew…
Read the full Fed Reserve & Banking brief →Federal Reserve & Banking release pending Cresthaven Analytics full analysis: Special Purpose Credit Programs: Rescission of Interagency Statement
Federal Reserve & Banking published a regulatory release titled 'Special Purpose Credit Programs: Rescission of Interagency Statement'. Cresthaven Analytics' full intelligence brief is pending re-analysis; see the source…
Read the full Fed Reserve & Banking brief →OCC terminates a single bank enforcement action in August 2026 monthly release
The OCC's August 2026 enforcement release, published August 20, 2026, contains a single termination. No new formal actions, civil money penalties, or consent orders appear.
Read the full Fed Reserve & Banking brief →Federal Reserve & Banking release pending Cresthaven Analytics full analysis: Federal Reserve Board announces approval of application by National Westminster Bank Plc
Federal Reserve & Banking published a regulatory release titled 'Federal Reserve Board announces approval of application by National Westminster Bank Plc'. Cresthaven Analytics' full intelligence brief is pending re-anal…
Read the full Fed Reserve & Banking brief →Federal Reserve issues consent prohibitions against two former bank employees for misappropriating customer funds
On August 20, 2026, the Federal Reserve Board issued consent prohibition orders against Stephanie R. Kilbert, a former Regions Bank employee, and Crystal A. Wykle, a former United Community Bank employee, citing misappro…
Read the full Fed Reserve & Banking brief →Federal Reserve & Banking release pending Cresthaven Analytics full analysis: Federal Reserve Board issues enforcement action with SouthPoint Bancshares, Inc. and announces termination of enforcement action with Deutsche Bank AG, DB USA Cor
Federal Reserve & Banking published a regulatory release titled 'Federal Reserve Board issues enforcement action with SouthPoint Bancshares, Inc. and announces termination of enforcement action with Deutsche Bank AG, DB …
Read the full Fed Reserve & Banking brief →Federal Reserve issues consent prohibition against former Regions Bank employee for check fraud
On August 13, 2026, the Federal Reserve Board issued a consent prohibition order against Elazia Jones, a former Regions Bank employee, for check fraud. The order bars Jones from future participation in the affairs of any…
Read the full Fed Reserve & Banking brief →Federal Reserve approves Banco Santander and Santander Holdings USA acquisition of Webster Financial Corporation
The Federal Reserve Board has approved the application by Banco Santander, S.A. and Santander Holdings USA, Inc. to acquire Webster Financial Corporation and its subsidiary Webster Bank, National Association. This clears…
Read the full Fed Reserve & Banking brief →OCC proposes structural and substantive revisions to its information-disclosure rules governing OCC-held records
On August 3, 2026, the OCC issued a proposed rule to revise the framework governing disclosure of OCC information. The proposal makes both structural and substantive changes to existing disclosure rules.
Read the full Fed Reserve & Banking brief →OCC and FDIC propose joint CRA rule amendments targeting community development grants, burden reduction, and statutory realignment
The OCC and FDIC issued a joint notice of proposed rulemaking on July 31, 2026, proposing substantive, technical, and process-oriented amendments to their Community Reinvestment Act regulations. The proposal seeks to ref…
Read the full Fed Reserve & Banking brief →OCC and FDIC jointly propose targeted CRA rule amendments to reduce burden and sharpen community development standards
The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation issued a joint proposed rulemaking on July 31, 2026, amending their respective Community Reinvestment Act implementing rules. Th…
Read the full Fed Reserve & Banking brief →Federal Reserve proposes first update to mutual bank regulations in 30 years, targeting capital flexibility and procedural burden
The Federal Reserve Board issued a proposed rulemaking on July 31, 2026 to modernize the regulatory framework governing mutual banking organizations. The proposal clarifies qualifying regulatory capital instruments and r…
Read the full Fed Reserve & Banking brief →Federal Reserve proposes modernized insider-lending rules covering bank executives, directors, and major shareholders
On July 31, 2026, the Federal Reserve Board proposed modernizing its regulations governing credit extensions to bank insiders — executives, board members, and major shareholders. The proposal opens a public comment perio…
Read the full Fed Reserve & Banking brief →OCC, Federal Reserve, and FDIC jointly revise Community Bank Leverage Ratio compliance guide for community banks
The OCC, Federal Reserve, and FDIC jointly revised the Community Bank Compliance Guide for the Community Bank Leverage Ratio framework on July 30, 2026. The update reflects changes to the supervisory guidance community b…
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