Live 262 sources monitored São Paulo Washington London Frankfurt Dubai Hong Kong Sydney 7 regions
✦ RegulusGlobal regulatory broadcast network

Regulatory news and audio briefings from financial regulators worldwide — financial crime, AML, sanctions, fraud, digital assets and compliance

Regulatory heat map

Where it's moving right now · select a region to filter
Showing 24 hours 7 days 28 days 90 days 180 days Last year Everything
Global
752 all regions
North America
403 US Close
Latin America
2 US Close
United Kingdom
106 Europe Close
Europe
87 Europe Close
Middle East & Africa
9 Asia Close
Asia-Pacific
32 Asia Close
Category
All Financial Crime 167 Governance & Accountability 153 Markets & Infrastructure 130 Prudential & Capital 78 AI, Technology & Data 78 Conduct & Consumer 74 Digital Assets 57 Sustainability 15
Within
Supervision & examination 30 Capital adequacy 11 Recovery & resolution 10 Liquidity & funding 8 Stress testing 3
Country
United States 422 United Kingdom 107 European Union 72 Global 57 Hong Kong 29 Malaysia 11 Luxembourg 8 United Arab Emirates 7 Germany 7 Singapore 4 France 4 Austria 4 Netherlands 3 Norway 2 Japan 2 Ghana 2 Switzerland 1 Sweden 1 Russia 1 Philippines 1 New Zealand 1 India 1 Finland 1 Euro area 1 Colombia 1 Bolivia 1 ASEAN 1
Regulator
DOJ Criminal Division 99 Federal Register — SEC 56 American Bankers Association — newsroom 47 CISA Advisories 37 BIS Press Releases 36 FCA 29 European Central Bank 26 HM Revenue & Customs 20 SEC Press Releases 16 Bank of England 15 Washington State DFI 14 Regulus Weekend Edition 14 US Federal Trade Commission — press releases 14 Financial Stability Board 14 FCA Publications 12 SFC Hong Kong 11 OCC Bulletins 11 FINRA 10 Federal Register — Treasury 10 CFTC — Commodity Futures Trading Commission 10 Federal Register — State Department 9 Securities and Exchange Commission 8 ISDA 8 Federal Reserve 8 ECB Banking Supervision 8 CSSF Luxembourg 8 SEC Speeches and Statements 7 HKMA — Hong Kong Monetary Authority 7 European Commission Digital Strategy 7 Deutsche Bundesbank — speeches 7 ADGM Abu Dhabi — announcements 7 Federal Register — NCUA 6 Federal Register — CFTC 6 ESMA 6 Bank of England Publications 6 Bank Negara Malaysia 6 Single Resolution Board 5 International Criminal Court 5 UK Competition and Markets Authority 5 NIST 4 IC3 — FBI Internet Crime Complaint Center 4 FMA Austria 4 Federal Register — Federal Reserve 4 Deutsche Bundesbank 4 Brdr.Hkma 4 Bank Policy Institute 4 Amlcft.Bnm 4 AFM Netherlands 4 FCDO — sanctions announcements 3 HM Treasury 3 Financial Services and the Treasury Bureau 3 Federal Reserve Speeches 3 UK DSIT 3 CFTC Enforcement 3 ASEANAPOL 3 AMF France 3 Alliance for Financial Inclusion 3 US Treasury — press releases 2 UN — press releases 2 Department for Business and Trade — export control 2 NIST — cybersecurity and identity updates 2 National Crime Agency UK 2 Hong Kong Exchanges and Clearing Limited 2 HM Treasury Consultations 2 Federal Register — FDIC 2 Federal Register — CFPB 2 Press Releases | FDIC.gov 2 European Data Protection Board 2 CFPB 2 Bank of Ghana 2 ACPR 2 UN News — global perspective 1 UK Finance — news 1 Texas State Securities Board 1 Singapore Police Force 1 Sveriges Riksbank 1 Osaka Exchange 1 OFSI 1 NCSC UK 1 MAS — Monetary Authority of Singapore 1 Euronext 1 International Association for Trusted Blockchain Applications 1 European Commission — Migration and Home Affairs 1 Govinfo 1 GFMA — Global Financial Markets Association 1 Finanstilsynet Norway 1 Federal Register — OCC 1 Federal Register — FinCEN 1 Federal Register — Industry and Security Bureau 1 Eurex 1 European Payments Council 1 EDB Singapore — Economic Development Board 1 CSSF / Banque centrale du Luxembourg 1 Cyber Security Agency of Singapore 1 Croatian Financial Services Supervisory Agency (HANFA) 1 Companies House 1 Commerce Commission New Zealand 1 Bank for International Settlements 1 Banco de España 1 Bank of Russia 1 Banco de la República 1 Banco Central de Bolivia (BCB) 1
Showing
country: United States × category: prudential × since: all × Clear all

Filtered

Cards Wire 27 segments
3:22
ABN American Bankers Association — newsroom Source document ↗
United States American Bankers Association — newsroom Prudential & Capital ✓ 10 claims 03 Nov 2026

FDIC offers regulatory relief to Indiana and South Dakota banks hit by storms

The FDIC has published guidance setting out steps to ease regulatory burdens on banks serving storm-hit areas of Indiana and the Pine Ridge Reservation in South Dakota. It covers borrower workouts, Community Reinvestment Act consideration and relief from certain filing requirements. A short, standard disaster-response notice that compliance teams in the affected footprints should log.

  • The FDIC issued the guidance on 2 November 2026 for storm-affected areas of Indiana and the Pine Ridge Reservation in South Dakota.
  • Banks are encouraged to extend repayment terms, restructure existing loans or ease terms for new loans for affected borrowers.
  • Community development loans, investments and services supporting disaster recovery may receive favorable Community Reinvestment Act consideration.
  • The FDIC said it will consider relief from certain filing and publishing requirements.
Source document
3:05
ABN American Bankers Association — newsroom Source document ↗
United States American Bankers Association — newsroom Prudential & Capital ✓ 10 claims 30 Oct 2026

FDIC proposes scrapping deposit insurance recordkeeping rule for large banks

The FDIC has proposed rescinding a 2016 rule that requires large banks to maintain dedicated recordkeeping systems for deposit insurance determination after a failure. The agency says its own systems have improved enough to make the obligation unnecessary. For affected institutions this removes a specific IT and data mechanism, including automated provisional holds, that has been in place for a decade.

  • The FDIC proposes to rescind a 2016 rule requiring banks with at least $2 billion in deposits to maintain deposit insurance recordkeeping systems.
  • The existing rule also requires automated placement and release of provisional holds on liability accounts, including deposit accounts.
  • The FDIC says improvements in its own systems now let it promptly calculate deposit insurance coverage after a failure, making the requirement unnecessary.
  • The agency separately plans to revise its data retention practices to minimise the volume of sensitive information it holds.
Source document
play
FDIC Press Releases | FDIC.gov Source document ↗
United States Press Releases | FDIC.gov Prudential & Capital ✓ 11 claims 30 Oct 2026

FDIC proposes rescinding part 370 recordkeeping rule for large banks

The FDIC board has approved a notice of proposed rulemaking that would rescind part 370, the recordkeeping rule covering insured depository institutions with two million or more deposit accounts, and extend the section 360.9 framework to those firms instead. This affects the small group of the largest US banks subject to part 370's deposit insurance determination requirements.

  • The FDIC board approved the notice of proposed rulemaking on October 30, 2026.
  • The proposal would rescind part 370, which applies to insured depository institutions with two million or more deposit accounts.
  • Section 360.9 would be amended to generally apply to institutions currently subject to part 370.
  • The FDIC states the change would relieve covered institutions from building and maintaining deposit insurance calculation systems.
  • Comments on the proposal are due 60 days after the date of publication in the Federal Register.
Source document
0:15
FED Federal Reserve Source document ↗
United States Federal Reserve Prudential & Capital ✓ 18 claims 28 Oct 2026

Fed holds rates at 3.75-4% as two members dissent for a hike

The Federal Open Market Committee left the federal funds target range at 3-3/4 to 4 percent on October 28, 2026, describing economic activity as expanding at a strong pace while inflation remains elevated. Two members dissented in favour of tightening. This item covers what the statement says, how the vote split, and what the hawkish dissent signals for the path ahead.

  • The FOMC maintained the federal funds target range at 3-3/4 to 4 percent on October 28, 2026.
  • The statement was approved by a 10-2 vote, with Lisa D. Cook and Beth M. Hammack dissenting in favour of a 1/4 percentage point increase.
  • The Committee said economic activity is expanding at a strong pace and that inflation remains elevated, reaffirming its 2 percent goal.
  • The Fed is continuing its policy of maintaining ample reserves in the banking system.
Source document
play
ABN American Bankers Association — newsroom Source document ↗
United States American Bankers Association — newsroom Prudential & Capital ✓ 13 claims 28 Oct 2026

UMB to buy El Dorado Savings Bank for $506 million in cash and stock

Two bank acquisitions were announced this week, both reported by ABA Banking Journal's M&A newsbytes feed. The deals involve a large acquirer buying a community bank in California and a regional bank buying a smaller holding company in Tennessee, each pending regulatory approval and expected closing.

  • UMB Financial, a $70.8 billion-asset bank, will pay $506 million in cash and stock for the $2.4 billion-asset El Dorado Savings Bank.
  • The UMB-El Dorado deal is expected to close in the first quarter.
  • Renasant, a $27.5 billion-asset bank, will pay $106.3 million in stock for Commercial Holding, parent of the $1.1 billion-asset Commercial Bank & Trust.
  • Commercial Holding's investors will receive a $35.7 million special dividend prior to the deal closing.
Source document
play
NCUA Federal Register — NCUA Source document ↗
United States Federal Register — NCUA Prudential & Capital ✓ 30 claims 26 Oct 2026

NCUA proposes removing outdated share insurance rule for state charter conversions

NCUA has proposed deleting a regulatory provision it describes as outdated and duplicative, covering how a federal credit union keeps federal share insurance after converting to a state charter. The agency says the actual process is now governed by its Chartering and Field of Membership Manual, not the regulation it wants to remove. Comments close December 21, 2026.

  • NCUA proposes to remove and reserve 12 CFR 741.7, which requires regional director approval for continued federal share insurance after an FCU converts to a state charter.
  • The agency says it inadvertently failed to make conforming changes to section 741.7 when it transferred approval authority to the Office of Consumer Financial Protection and Access in 2016 and then to the Office of Credit Union Resources and Expansion in 2017.
  • Converting credit unions must now submit requests to CURE rather than the regional director, per chapter 4 of NCUA's Chartering and Field of Membership Manual.
  • Comments on the proposal, docketed as NCUA-2026-1887, must be received by December 21, 2026.
  • OIRA has determined the proposal is not a significant regulatory action under Executive Order 12866, and NCUA certifies it would not significantly affect small credit unions.
Source document
play
NCUA Federal Register — NCUA Source document ↗
United States Federal Register — NCUA Prudential & Capital ✓ 16 claims 26 Oct 2026

NCUA proposes scrapping special reserve rule for nonconforming investments

NCUA has proposed removing a decades-old rule requiring state-chartered, federally insured credit unions to hold a special reserve against nonconforming investments. The agency argues GAAP changes have made the reserve functionally obsolete. Comments close December 21, 2026, and the Board is soliciting views on possible alternatives including risk-weighting.

  • Comments on the proposed rule are due by December 21, 2026, via docket NCUA-2026-1886.
  • The Board states only seven FISCUs currently report a special reserve for nonconforming investments.
  • The proposal would remove 741.3(a), redesignating paragraphs (b) through (g) as (a) through (f).
  • Section 702.104(b)(1)(ii), which includes the appropriation for non-conforming investments in risk-based capital, would be struck and subsequent paragraphs redesignated.
  • OIRA has determined the proposed rule is not a 'significant regulatory action' under Executive Order 12866.
Source document
play
FED Federal Reserve Speeches Source document ↗
United States Federal Reserve Speeches Prudential & Capital ✓ 20 claims 26 Oct 2026

Fed restructures bank supervision into five regions, cites committee gridlock

Bowman's speech at the Community Banking Research Conference lays out structural changes to Federal Reserve bank supervision, including a shift to five supervisory regions and continued work on Regulation O, asset thresholds and the CAMELS rating system. It matters for banks tracking how supervisory accountability and tailoring rules are being redrawn.

  • The Federal Reserve will realign bank supervision into five regions, each led by a regional leader accountable for supervisory activity, following state rather than Reserve Bank District boundaries.
  • In July 2026 the Board proposed revisions to Regulation O, which governs credit extensions to bank insiders and has not been comprehensively updated since 1979.
  • Later this year the Board will consider updates to fixed-dollar asset thresholds with a mechanism to adjust them every five years, and separately consider changes to the $10 billion community bank definition and large bank tailoring framework.
  • The FFIEC is working to finalize revisions to the CAMELS rating system so the Management rating no longer singularly drives the composite rating.
  • The restructuring follows the Starling Advisory Group's preliminary report, released last month, on the failure of Silicon Valley Bank, which identified a mismatch between supervisory authority and accountability.
Source document
0:15
BIS BIS Press Releases Source document ↗
United States BIS Press Releases Prudential & Capital ✓ 14 claims 23 Oct 2026

Fed to restructure bank supervision into five regions, scrap committee layers

Federal Reserve Vice Chair for Supervision Michelle Bowman set out plans to overhaul the Fed's bank supervisory structure, replacing a committee-heavy system with five accountable regions aligned to state boundaries. The speech also covers pending CAMELS rating revisions, Regulation O changes and asset threshold indexing. Compliance teams at supervised banks should track the regional realignment and CAMELS changes for direct effects on examination contacts and ratings methodology.

  • The Federal Reserve will realign its supervisory function into five regions based on state boundaries rather than existing Reserve Bank districts.
  • Each region will have a single regional leader accountable for all supervisory activity, with examiners remaining in current Reserve Bank locations.
  • The FFIEC is finalizing CAMELS rating revisions so the Management ('M') rating no longer singularly drives the composite rating.
  • In July 2026 the Board proposed revisions to Regulation O, which has not been comprehensively updated since 1979.
  • Later this year the Board will consider updates to fixed-dollar asset thresholds, with a mechanism to adjust them every five years, and broader changes to the large bank tailoring framework.
Source document
0:15
OCC OCC Bulletins Source document ↗
United States OCC Bulletins Prudential & Capital ✓ 14 claims 23 Oct 2026

OCC publishes fall 2026 interest rate risk statistics, adds two downward shock scenarios

The OCC has released the fall 2026 edition of its Interest Rate Risk Statistics Report, drawn from examinations of supervised midsize and community banks and federal savings associations. The edition adds two new downward parallel rate shock scenarios and their policy risk limits. The data is informational only and sets no suggested limits, but the new scenarios tell treasury teams where the examiner lens is widening.

  • The fall 2026 report draws on interest rate risk data from OCC examinations of supervised midsize and community banks and federal savings associations.
  • The edition adds minus 400 and minus 300 basis point parallel rate shock scenarios for earnings at risk and economic value of equity, plus their corresponding policy risk limits.
  • Statistics are presented for all supervised banks with reported data, and broken out by asset size and by charter type.
  • The OCC states the data is informational only and does not represent suggested limits or exposures.
  • The bulletin rescinds OCC Bulletin 2026-14, which transmitted the spring 2026 report.
Source document
play
FEDR Federal Register — Federal Reserve Source document ↗
United States Federal Register — Federal Reserve Prudential & Capital ✓ 13 claims 23 Oct 2026

Fed invites comment on Security Bancshares bid to add lending activities

The Federal Reserve has published a routine section 4 notice flagging that Security Bancshares Corporation of Wewoka, Oklahoma, intends to engage in nonbanking activities permitted under Regulation Y. The notice opens a short public comment window and names the Reserve Bank handling the filing. It is brief, but it is the formal point at which interested persons can contest whether the proposal meets the statutory standards.

  • Security Bancshares Corporation, Wewoka, Oklahoma, proposes to engage in lending activities under section 225.28(b)(1) of Regulation Y and to acquire debt in default under section 225.28(b)(vii).
  • Written comments on whether the proposal complies with section 4 of the BHC Act must be received no later than November 9, 2026.
  • The Federal Reserve Bank of Kansas City is the Reserve Bank handling the filing, with comments accepted by email at KCApplicationComments@kc.frb.org.
  • Comments received are subject to public disclosure and will be made available without change, including any identifying information.
Source document
0:15
FDIC Federal Register — FDIC Source document ↗
United States Federal Register — FDIC Prudential & Capital ✓ 12 claims 23 Oct 2026

FDIC reopens comment on Volcker Rule paperwork burden, no changes proposed

A routine Paperwork Reduction Act renewal notice from the FDIC covering its Volcker Rule information collection under 12 CFR part 351. No substantive or methodological changes are proposed. Compliance teams at covered state nonmember banks and state savings associations should note the comment deadline and the burden estimate, which has fallen slightly from the previous cycle.

  • Comments on the renewal must be submitted to the FDIC on or before November 13, 2026.
  • The prior 60-day comment period, published July 31, 2026, drew no comments.
  • Total estimated annual burden for the collection is 3,815 hours, down 234 hours from the previous renewal.
  • The collection applies to FDIC-supervised insured depository institutions subject to 12 CFR part 351, excluding those with total consolidated assets of $10 billion or less and trading assets and liabilities of five percent or less of total consolidated assets.
  • The FDIC states there is no change in the substance or methodology of the information collection.
Source document
0:15
NIST NIST — cybersecurity and identity updates Source document ↗
United States NIST — cybersecurity and identity updates Prudential & Capital ✓ 17 claims 23 Oct 2026

NIST opens Cybersecurity Career Week, October 19-24, 2026

NIST's cybersecurity insights blog announces Cybersecurity Career Week, a workforce-awareness campaign rather than a rule or supervisory action. It lists a schedule of webinars, an in-person NCCoE event and a social media challenge aimed at people considering cybersecurity careers, plus pointers to the NICE Framework and CyberSeek tools.

  • Cybersecurity Career Week, led by NIST's NICE Program, runs October 19-24, 2026.
  • A webinar titled "Networking Like a Leader" is scheduled for October 14, 2026 from 1:00-2:00 PM ET.
  • The NCCoE is hosting an in-person Cybersecurity Connections event on October 15, 2026 from 11:00 AM-1:30 PM ET.
  • A six-day #mycyberjob media challenge runs across X, Instagram, Facebook and LinkedIn from October 19-24, 2026.
  • Additional webinars on breaking into cybersecurity and student career pathways are scheduled for October 20 and October 21, 2026.
Source document
0:15
NCUA Federal Register — NCUA Source document ↗
United States Federal Register — NCUA Prudential & Capital ✓ 15 claims 23 Oct 2026

NCUA proposes rolling back 2019 fidelity bond board oversight rules

NCUA is proposing to unwind several procedural requirements it added in 2019 for fidelity bond and insurance coverage at federally insured credit unions and corporate credit unions. The rule touches board approval processes, signatory rotation, bond form expiration, and minimum coverage formulas. Compliance officers at FICUs should read this now because the comment window closes December 14, 2026, and the changes affect who signs off on bond purchases.

  • Comments on the proposed rule are due on or before December 14, 2026, under docket number NCUA-2026-1882.
  • The proposal would remove the 2019 requirement that a FICU's full board review all fidelity bond purchase or renewal applications, allowing delegation to an individual board or supervisory/audit committee member.
  • It would eliminate the 2019 rotation requirement barring the same board member from signing consecutive bond renewal agreements.
  • Section 713.4(d), which imposes an automatic 10-year expiration on NCUA-approved bond forms, would be eliminated in its entirety.
  • The Board proposes removing paragraphs (b) and (c) of Section 713.5, which contain advisory "should purchase" language and a formula tying additional coverage to daily cash on hand or money in transit.
Source document
0:15
NCUA Federal Register — NCUA Source document ↗
United States Federal Register — NCUA Prudential & Capital ✓ 17 claims 23 Oct 2026

NCUA proposes to finalize pandemic-era Central Liquidity Facility rule changes

NCUA is proposing to permanently adopt liquidity-access changes it made on an interim basis during the COVID-19 pandemic, while cleaning up provisions that have since lapsed under the CARES Act and the Consolidated Appropriations Act. The rule also trims documentation requirements for federally insured credit unions and adjusts capital stock subscription timing. Compliance and treasury teams at member credit unions should read this now rather than wait for the final rule.

  • Comments on the proposed rule, docket NCUA-2026-1889, must be received by December 14, 2026.
  • The proposal would permanently remove the six-month waiting period for new regular members to obtain CLF advances, a change first made by the April 29, 2020 interim final rule.
  • Federally insured natural-person and corporate credit unions would no longer need to submit financial reports, charters and bylaws with CLF membership applications, since the CLF already obtains these through NCUA examinations.
  • Non-federally insured credit unions not otherwise subject to NCUA examination would still have to provide financial reports and other information to the CLF to establish their financial condition.
  • The Board received 15 comments on the two interim final rules, all of which supported the changes made.
Source document
0:15
FEDR Federal Register — Federal Reserve Source document ↗
United States Federal Register — Federal Reserve Prudential & Capital ✓ 14 claims 22 Oct 2026

Fed posts change-in-control notice for Missouri's Midwest Regional Bancorp

The Federal Reserve has published a Change in Bank Control Act notice covering a family group seeking to acquire voting shares of Midwest Regional Bancorp, Inc. of Festus, Missouri, and indirectly its bank subsidiary. The notice sets a comment deadline and routes filings through the Federal Reserve Bank of St. Louis. It is a procedural publication, but it marks the start of the public clock.

  • The notice is filed under the Change in Bank Control Act (12 U.S.C. 1817(j)) and section 225.41 of Regulation Y (12 CFR 225.41).
  • The group acting in concert proposes to acquire voting shares of Midwest Regional Bancorp, Inc., Festus, Missouri, and indirectly Midwest Regional Bank, Clayton, Missouri.
  • Written comments on the standards in paragraph 7 of the Act must be received no later than October 30, 2026.
  • The applicants include two Bender family revocable living trusts, seven named individuals, and JJB Capital, LLC, with the filing routed through the Federal Reserve Bank of St. Louis.
Source document
0:15
NCUA Federal Register — NCUA Source document ↗
United States Federal Register — NCUA Prudential & Capital ✓ 22 claims 22 Oct 2026

NCUA seeks comment on renewing five credit union reporting collections

The NCUA has published a Paperwork Reduction Act notice covering the renewal of five existing information collections it intends to submit to OMB for clearance. The filings span capital planning, supervisory stress testing, loan participation, the Central Liquidity Facility and premises rules. None is a new obligation, but the notice fixes the agency's burden estimates and opens a comment window that closes on December 21, 2026.

  • Comments on all five collections are due by December 21, 2026, after which the requests go to OMB for clearance.
  • Each collection is an extension of a previously approved collection, not a new requirement.
  • Capital planning and stress testing (12 CFR 702-E) carries the highest estimated annual burden at 11,710 hours; loan participation (701.22) is estimated at 2,916 hours.
  • Capital planning and stress testing rules apply to federally insured credit unions reporting $10 billion or more in assets on their March 31 Call Report, with plans due to NCUA by March 31 each year.
  • Supervisory stress test tiers run from Tier I ($10bn to under $15bn) through Tier III ($20bn or more), with Tier II and III credit unions required to conduct the tests.
Source document
0:15
SEC Federal Register — SEC Source document ↗
United States Federal Register — SEC Prudential & Capital ✓ 19 claims 22 Oct 2026

SEC approves CMESC rule change making its liquidity facility agreement automatic

The SEC has approved a proposed rule change by CME Securities Clearing Inc. (CMESC) reworking the mechanics of its Capped Liquidity Facility, the tool it uses to meet intraday and multiday settlement obligations under Rule 17ad-22(e)(7). Clearing members and their compliance teams should understand how the facility's contractual basis and calculation methodology are changing, even though CMESC says the underlying sizing methodology is unchanged.

  • CMESC's proposed rule change SR-CMESC-2026-008 was filed August 21, 2026, published for comment September 3, 2026, and approved by the SEC on October 13, 2026.
  • Each Member will become party to a CLF Master Repurchase Agreement automatically by operation of Rule 410(a), eliminating the requirement to separately execute the agreement.
  • The CLF MRA will incorporate the SIFMA Master Repurchase Agreement (September 1996 version), excluding its annexes, and the CLF MRA will govern in the event of any inconsistency.
  • New Members must provide CMESC with projected volumes and sizes of Eligible Securities Transactions to support calculation of their Allocated CLF Amount during an initial ramp-up phase.
  • CMESC states the amendments do not change the existing methodology or formulae used to size the CLF or calculate each Member's Allocated CLF Amount.
Source document
0:15
BIS BIS Press Releases Source document ↗
United States BIS Press Releases Prudential & Capital ✓ 13 claims 22 Oct 2026

Fed's Bowman says BCBS and FSB echoed flawed reports on SVB failure

Fed Vice Chair for Supervision Michelle Bowman uses a Bangkok speech to detail findings from an independent review of Silicon Valley Bank's 2023 collapse, arguing supervisory failures stemmed from unclear accountability rather than social media or regulatory tailoring, and criticising the BCBS and FSB for relying on earlier, incomplete reports.

  • The independent review found supervisors knew about SVB's exposure to interest rate and liquidity risk at least nine months before the FDIC took the bank into receivership.
  • SVB had 54 matters requiring attention or immediate attention between 2019 and its failure, and none required the bank to address its core financial risks.
  • The review found the BCBS and FSB took language nearly verbatim from earlier US reports that were not based on complete or accurate information.
  • The Fed is considering changes including clearer decision rights for examiners, direct escalation channels to senior supervision leadership, and more direct allocation of authority between the Board and Reserve Bank staff.
  • The Board published a Statement of Supervisory Operating Principles in fall 2025 and has since refined it to incorporate lessons from the independent review.
Source document
0:15
ABN American Bankers Association — newsroom Source document ↗
United States American Bankers Association — newsroom Prudential & Capital ✓ 18 claims 20 Oct 2026

Dime Commercial to Buy ES Bancshares for $58 Million; TexasBank Parent Buys Haskell Bancshares

ABA Banking Journal reports two separate community bank acquisitions announced this week: Dime Commercial Bancshares' purchase of ES Bancshares in New York, and Texas Banc Financial's purchase of Haskell Bancshares in Texas. The item gives deal size, pricing and expected closing timelines for the New York transaction, with fewer details disclosed for the Texas deal.

  • Dime Commercial Bancshares will pay $58 million in cash and stock for ES Bancshares, parent of the $596 million-asset Empire State Bank.
  • The ES Bancshares deal prices the target at 109% of tangible book value and is expected to close in the first quarter.
  • Texas Banc Financial, the $2.5 billion-asset parent of TexasBank, has agreed to buy Haskell Bancshares, parent of the $72.6 million-asset Haskell National Bank.
  • The Texas Banc Financial deal is expected to close by early next year; the purchase price was not disclosed.
Source document
0:15
OCC OCC Bulletins Source document ↗
United States OCC Bulletins Prudential & Capital ✓ 17 claims 20 Oct 2026

US bank regulators lift 18-month exam-cycle threshold to $6 billion under ROAD to Housing Act

The OCC, Federal Reserve and FDIC have jointly amended the rules governing eligibility for the extended 18-month on-site examination cycle. The change roughly doubles the asset threshold, moving a larger band of well-rated community banks onto a lighter examination schedule. This segment covers who now qualifies, the conditions attached, and the supervisory discretion the agencies have kept.

  • Qualifying 1- and 2-rated banks with less than $6 billion in total assets are now eligible for an 18-month, rather than 12-month, examination cycle.
  • The prior threshold limited the 18-month cycle to qualifying banks with less than $3 billion in total assets.
  • To qualify, a bank must be well capitalized, not subject to a formal enforcement proceeding or order, and not have experienced a change of control in the preceding 12-month period.
  • National banks and federal savings associations must have a management rating of 1 or 2 to qualify.
  • The OCC retains authority to maintain a 12-month schedule or adopt a more frequent one if it deems it necessary.
Source document
0:15
FED Federal Reserve Source document ↗
United States Federal Reserve Prudential & Capital ✓ 21 claims 20 Oct 2026

Fed finalizes stress-test transparency rules, will average results to cut capital volatility

The Federal Reserve has finalized two rules reshaping how its supervisory stress test feeds into bank capital requirements, adding annual public comment on scenarios and models and introducing two-year averaging of the stress capital buffer. A third proposal on noninterest-income modeling is out for comment. The Board estimates the package cuts year-over-year volatility in capital requirements by roughly 50 percent.

  • The first final rule requires the Board to invite public input annually on stress test scenarios and any material model changes, and adopts the models to be used for the 2027 stress test.
  • Banks with large trading books will be tested against two global market shock components each year, with the Board using the shock that produces the largest losses for each firm.
  • The second final rule averages the two most recent annual supervisory stress test results when calculating stress capital buffer requirements, with averaging beginning in 2028.
  • A separate proposal would revise the noninterest income model to better capture business model diversity; comments are due 60 days after Federal Register publication.
  • The Board estimates the changes will reduce year-over-year volatility in capital requirements by approximately 50 percent and not materially affect aggregate capital requirements.
Source document
0:15
FED Federal Reserve Source document ↗
United States Federal Reserve Prudential & Capital ✓ 13 claims 18 Oct 2026

Fed clears Isabella Bank Corporation to acquire Grand River Commerce in Michigan

The Federal Reserve Board approved Isabella Bank Corporation's application to acquire Grand River Commerce and its subsidiary Grand River Bank, both of Grandville, Michigan. The approval also covers the merger of the two banks and the operation of Grand River's branches. For anyone tracking community-bank consolidation in the Midwest, this is the clean grant and the issued order that follow it.

  • The Federal Reserve Board approved Isabella Bank Corporation's acquisition of Grand River Commerce, Inc., announced October 5, 2026.
  • The approval lets Isabella Bank Corporation indirectly acquire Grand River Bank of Grandville, Michigan.
  • The Board also approved Isabella Bank's merger with Grand River Bank and the operation of branches at Grand River Bank's locations.
  • The approval is accompanied by an order published as a PDF and recorded in the Board's votes.
Source document
0:15
FED Federal Reserve Speeches Source document ↗
United States Federal Reserve Speeches Prudential & Capital ✓ 17 claims 15 Oct 2026

Bowman says Fed knew of SVB risks nine months before failure, faults Basel and FSB reports

Fed Vice Chair for Supervision Michelle Bowman uses a Bangkok address to preview preliminary findings of an independent SVB review she commissioned. She argues supervisors held the key risk information months ahead of the failure but lacked clear accountability to act, and she takes the unusual step of criticising the BCBS and FSB for building post-crisis work on incomplete earlier reports.

  • Preliminary review finds Fed supervisors knew of SVB's interest rate and liquidity risk at least nine months before FDIC receivership but did not act.
  • SVB had 54 matters requiring attention or immediate attention between 2019 and failure, none requiring remediation of core financial risks.
  • Bowman says the BCBS and FSB took language nearly verbatim from earlier flawed US reports rather than independently verifying findings.
Source document
0:15
OCC OCC Bulletins Source document ↗
United States OCC Bulletins Prudential & Capital ✓ 19 claims 12 Oct 2026

OCC issues version 3.0 of Concentrations of Credit examiner handbook

The OCC has replaced version 2.0 of its Concentrations of Credit booklet with a reorganised version 3.0, used by examiners across all OCC-supervised banks. The threshold definition is unchanged, but the handling of securitizations, correlations and aggregate risk assessment is expanded. This short segment covers what moved, what the definition still is, and what examiners will be working from.

  • Version 3.0 replaces version 2.0 and rescinds OCC Bulletin 2020-90, which had transmitted the earlier version.
  • The concentration definition is unchanged: obligations exceeding 25 percent of tier 1 capital plus allowance for credit losses.
  • New content covers securitizations, the correlation-concentration relationship, and determining aggregate risk.
Source document
0:15
FED Federal Reserve Source document ↗
United States Federal Reserve Prudential & Capital ✓ 11 claims 12 Oct 2026

Fed extends comment period on Regulation O insider-lending overhaul to November 4

The Federal Reserve has given interested parties an extra month to comment on its proposal to modernize Regulation O, the rule governing loans banks make to their executives, directors and principal shareholders. This segment covers the mechanics of the extension and what it signals about the proposal's contested substance, which remains open for input until November 4.

  • The Federal Reserve extended the Regulation O comment period to November 4, 2026, from an original deadline of October 5.
  • The proposal modernizes the rule governing extensions of credit by banks to insiders: executives, directors and principal shareholders.
  • The Board said it granted the extension to allow interested parties more time to analyze the issues and prepare comments.
Source document
0:15
FED Federal Reserve Source document ↗
United States Federal Reserve Prudential & Capital ✓ 12 claims 12 Oct 2026

US bank agencies propose replacing third-party risk guidance with principles-based framework

The Fed, FDIC, OCC and NCUA jointly proposed new third-party risk management guidance that would replace current standards when finalized. The package includes a companion guide for Federal Reserve-supervised community banks and a statement on supervisory treatment of core service provider relationships. This segment covers what the proposal changes, what stays non-binding, and the comment timeline firms need to track.

  • Four agencies propose principles-based, non-binding third-party risk management guidance intended to replace existing guidance once finalized.
  • Comments are due 60 days after Federal Register publication; the Fed added a companion guide for its supervised community banks.
  • A separate joint statement addresses factors the agencies will consider on community banks' core service provider relationships.
Source document