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
A selection of recent published briefs; this is not a complete archive.
Federal Reserve terminates three enforcement actions against Gardner Bancshares and Small Business Bank
The Federal Reserve Board terminated three enforcement actions against Gardner Bancshares, Inc. and Small Business Bank, both of Lenexa, Kansas, effective October 13, 2026. The terminated actions comprise two cease and d…
Read the full Fed Reserve & Banking brief →OCC Comptroller Gould releases debanking report on large bank account termination practices
The OCC published a report on October 14, 2026 examining debanking activities at large national banks. Comptroller Jonathan V. Gould presented the findings at a press conference in Lexington, Kentucky. The report signals…
Read the full Fed Reserve & Banking brief →OCC releases supervisory debanking review findings covering nine largest national banks
The OCC has released findings from a supervisory review of debanking practices at the nine largest national banks it supervises: JPMorgan Chase, Bank of America, Citibank, Wells Fargo, U.S. Bank, Capital One, PNC, TD Ban…
Read the full Fed Reserve & Banking brief →OCC imposes record $750 million civil penalty against Bank of America for BSA/AML compliance failures
The OCC imposed a $750 million civil money penalty against Bank of America, N.A. on October 13, 2026, for violations of the Bank Secrecy Act and its implementing regulations. This is the largest civil money penalty in th…
Read the full Fed Reserve & Banking brief →Federal Reserve issues enforcement action against American Express for AML detection and suspicious activity reporting failures
The Federal Reserve Board announced an enforcement action against American Express Company on October 8, 2026, citing failures to detect and report suspicious activity related to money laundering. The action signals cont…
Read the full Fed Reserve & Banking brief →Federal Reserve extends Regulation O comment period to November 4 from October 5
The Federal Reserve Board extended the comment period on its proposed Regulation O modernization, moving the deadline from October 5 to November 4, 2026. Regulation O governs credit extensions to bank insiders. No substa…
Read the full Fed Reserve & Banking brief →Federal Reserve approves Fleur Capital Corporation acquisition of Simmesport State Bank in Louisiana
The Federal Reserve Board approved Fleur Capital Corporation's application to acquire Simmesport State Bank on October 2, 2026. Both entities are domiciled in Simmesport, Louisiana.
Read the full Fed Reserve & Banking brief →Federal Reserve Board enters written agreement with Ontario Bancorporation, Inc. of Ontario, Wisconsin
The Federal Reserve Board announced on October 2, 2026 a written agreement, dated September 24, 2026, with Ontario Bancorporation, Inc., a bank holding company in Ontario, Wisconsin. The release does not disclose the spe…
Read the full Fed Reserve & Banking brief →Federal Reserve finalizes stress test overhaul reducing capital requirement volatility by approximately 50 percent
The Federal Reserve Board finalized two rules on September 30, 2026, restructuring its annual supervisory stress test framework. The rules introduce public input requirements, a two-year averaging mechanism for stress ca…
Read the full Fed Reserve & Banking brief →OCC Comptroller dissents on joint resolution plan feedback to American Express, calls for Section 165(d) reforms
OCC Comptroller Jonathan V. Gould issued a dissenting statement on September 29, 2026, opposing the joint FDIC-Federal Reserve resolution plan feedback letter to American Express. The dissent reaffirms his position that …
Read the full Fed Reserve & Banking brief →FDIC and Federal Reserve publish resolution plan feedback letters for 15 large banking organizations with no deficiencies identified
The FDIC and the Federal Reserve Board published feedback letters on September 29, 2026 for resolution plans submitted in October 2025 by 15 banking organizations, each holding over $250 billion in assets. The agencies i…
Read the full Fed Reserve & Banking brief →Federal Reserve approves Peoples Bancorp merger with Citizens National Corporation and Citizens Bank of Kentucky
The Federal Reserve Board approved Peoples Bancorp Inc. of Marietta, Ohio, to merge with Citizens National Corporation and indirectly acquire Citizens Bank of Kentucky, Inc., both of Paintsville, Kentucky. The approval a…
Read the full Fed Reserve & Banking brief →Federal Reserve proposes dual regulatory framework for payment stablecoin issuers under the GENIUS Act
The Federal Reserve Board released two proposals on September 24, 2026 to establish a supervisory framework for payment stablecoin issuers it oversees under the GENIUS Act. The proposals address reserve backing requireme…
Read the full Fed Reserve & Banking brief →Federal Reserve issues consent prohibition against former Sandy Spring Bank employee for embezzlement
On September 24, 2026, the Federal Reserve Board issued a consent prohibition order against Renee Nicole Brown, a former Sandy Spring Bank employee, for embezzlement. The order bars Brown from participating in the affair…
Read the full Fed Reserve & Banking brief →Federal Reserve approves BancFirst Corporation acquisition of Spirit BankCorp and SpiritBank
The Federal Reserve Board approved BancFirst Corporation's acquisition of Spirit BankCorp, Inc. and its subsidiary SpiritBank on September 22, 2026. The approval also authorizes BancFirst to operate branches at all exist…
Read the full Fed Reserve & Banking brief →OCC updates Cybersecurity Supervision Work Program structure and examiner assessment references for bank cybersecurity risk
OCC Bulletin 2026-48, issued September 21, 2026, updates the structure and internal references of the Cybersecurity Supervision Work Program used by examiners. The revision aligns the program with evolving cyberattack pa…
Read the full Fed Reserve & Banking brief →Federal Reserve issues three consent prohibition orders against former bank and financial-services employees for financial misconduct
The Federal Reserve Board issued three consent prohibition orders on September 18, 2026 against former employees of Northstar Bank, American Express Travel Related Services Company, and Regions Bank. The orders address m…
Read the full Fed Reserve & Banking brief →Federal Reserve terminates 2024 written agreement with SNB Bancshares and Bank of Eufaula
The Federal Reserve Board terminated its written agreement with SNB Bancshares, Inc. and Bank of Eufaula, both of Eufaula, Oklahoma, effective September 3, 2026. The agreement had been in place since August 7, 2024. Its …
Read the full Fed Reserve & Banking brief →OCC releases September 2026 enforcement actions against institution-affiliated parties
The OCC published its September 2026 enforcement action release on September 17, 2026, targeting institution-affiliated parties at OCC-supervised banks. The available feed content does not identify specific individuals o…
Read the full Fed Reserve & Banking brief →FOMC releases September 2026 economic projections following two-day policy meeting
The Federal Reserve Board and Federal Open Market Committee released economic projections from the September 15-16, 2026 FOMC meeting. The release accompanies the meeting's policy deliberations and reflects participant f…
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