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Cards Wire 30 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
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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
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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
0:15
BRB Banco de la República Source document ↗
Colombia Banco de la República Prudential & Capital ✓ 14 claims 27 Oct 2026

Banco de la República raises policy rate 25bps to 12.25%

Colombia's central bank published its latest monetary policy decision alongside minutes and routine financial disclosures. The rate move is the substantive item on an otherwise administrative page listing surveys, reports and branch service notices.

  • The Board of Directors decided by majority vote to raise the policy interest rate by 25 basis points to 12.25%.
  • The new rate took effect on October 1, 2026, following a press release published September 30, 2026.
  • Minutes of the rate-setting meeting were published October 5, 2026.
  • The bank's July 2026 Monetary Policy Report was published August 4, 2026.
  • A further policy rate meeting is scheduled for October 30, 2026, preceded by a media blackout period from October 24 to 30.
Source document
0:15
ECB European Central Bank Source document ↗
European Union European Central Bank Prudential & Capital ✓ 18 claims 27 Oct 2026

ECB survey: euro area banks tighten credit standards further, loan demand falls

The ECB's October 2026 bank lending survey covers 159 euro area banks on credit standards, loan demand and funding conditions in Q3 2026, with expectations for Q4. It includes new questions on AI-related lending and digital assets, both areas compliance and risk teams will want to track as banks formalise assessment criteria.

  • Credit standards for loans to firms tightened by a net 9% of banks in Q3 2026, exceeding the 5% tightening banks had previously expected.
  • Consumer credit standards tightened by a net 14%, while housing loan standards were unchanged at a net 0%.
  • Loan demand from firms fell by a net 6%, housing loan demand fell by a net 27%, and consumer credit demand fell by a net 2%.
  • Most banks said they have not yet introduced specific quantitative criteria for assessing AI-related lending within their credit standards.
  • The deterioration in banks' access to retail funding was the largest since the BLS series began in 2011.
Source document
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DBS Deutsche Bundesbank — speeches Source document ↗
Germany Deutsche Bundesbank — speeches Prudential & Capital ✓ 19 claims 27 Oct 2026

German banks tighten credit standards for corporate loans again in Q3

Germany's central bank publishes quarterly survey results from 33 domestic banks on lending conditions. This round covers the third quarter of 2026 and banks' plans for the fourth, plus ad hoc questions on funding conditions, non-performing loans and digital assets.

  • The net share of banks tightening standards for loans to enterprises stood at +6%, down from +10% in the previous quarter.
  • Standards for loans to households for house purchase eased, with a net share of -4%, compared with +7% in the prior quarter.
  • Demand for enterprise loans fell for the first time in more than two years, driven mainly by small and medium-sized enterprises and long-term loans.
  • The loan rejection rate continued to rise across all three loan categories surveyed.
  • Banks reported no impact from digital assets on their financial situation, business strategy or credit standards over the past 12 months.
Source document
0:15
SSM ECB Banking Supervision Source document ↗
European Union ECB Banking Supervision Prudential & Capital ✓ 21 claims 27 Oct 2026

ECB supervisor warns banks against complacency despite strong capital ratios

A keynote from the ECB's Supervisory Board flags where risk is building even as reported bank metrics look strong. It covers credit underwriting, capital planning, geopolitical stress testing, climate exposure, AI-driven cyber threats and data quality, and argues against unwinding post-crisis regulation. Relevant for prudential and risk teams tracking supervisory priorities into next year.

  • Montagner said a recent ECB reverse stress test on geopolitical risk showed effective preparation cannot rely on a single scenario.
  • The ECB will continue horizontal analyses, targeted reviews and on-site inspections of bank loan-granting practices.
  • Some banks show shortcomings in risk data aggregation and reporting, which can limit crisis response even when aggregate ratios look robust.
  • The speech cited extreme 2026 summer heat and exceptionally low water levels on the Rhine and Danube as evidence climate risks are already materialising.
  • Montagner said the ECB supports removing regulatory redundancies and inconsistencies but opposes dismantling core post-crisis reforms.
Source document
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ECB European Central Bank Source document ↗
European Union European Central Bank Prudential & Capital ✓ 21 claims 27 Oct 2026

ECB's Lane flags second energy shock wave, holds to data-dependent rate path

Executive Board member Philip Lane sets out how the ECB is diagnosing inflation amid overlapping shocks: a second wave of energy price rises, fiscal tightening ahead, an AI investment boom, and rising long-term yields. The speech matters for anyone tracking the rate path, since Lane frames policy as resting on meeting-by-meeting assessment rather than a pre-set trajectory.

  • September headline inflation reached 3.8%, comprising 18.8% energy inflation and 2.3% non-energy inflation, against a Q4 2025 pre-shock benchmark of 2.1% headline inflation.
  • September projections anticipate non-energy inflation rising from 2.3% in 2026 to an average of 2.6% in 2027 before falling back to 2.3% in 2028.
  • The euro area fiscal stance moved from neutral in 2025 to a 0.5 percentage point loosening in 2026, with tightening of 0.4 and 0.2 percentage points projected for 2027 and 2028.
  • The ECB raised its policy rate from 2.00% to 2.50% over the June and September projection rounds but says it is not on a pre-committed rate path.
  • Corporate debt-to-GDP has stabilised at around 66%, with internal ECB estimates suggesting the AI boom accounts for just under one percentage point of aggregate annual credit growth.
Source document
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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
0:15
SSM ECB Banking Supervision Source document ↗
European Union ECB Banking Supervision Prudential & Capital ✓ 20 claims 26 Oct 2026

ECB to review 12,000-strong stock of supervisory measures in October refocus

In a Vienna panel contribution, ECB Vice-Chair of the Supervisory Board Frank Elderson sets out how banking supervision is recalibrating its follow-up on findings and measures. The piece explains the tiered approach introduced in 2025, a refocusing exercise starting mid-October, and what changes for banks carrying low-severity findings. It matters because it signals where supervisory pressure will concentrate and where it will ease.

  • The stock of outstanding supervisory measures across significant banks rose to around 12,000 by the end of 2025, roughly 100 per bank on average.
  • In 2025 the ECB closed 1,200 more measures than it created, and the stock fell by a further 600 in 2026.
  • From mid-October a refocusing exercise will review the accumulated stock against each weakness's risk profile, severity, prudential relevance and remediation status.
  • The least severe F1 findings will in future be communicated as supervisory observations rather than generating measures, and low-severity F2 findings may be closed where further assessment is not warranted.
  • Mandatory verification of remediation by internal audit or internal validation will be removed for low-severity F1 or F2 findings related to internal models.
Source document
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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
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BIS BIS Press Releases Source document ↗
Global BIS Press Releases Prudential & Capital ✓ 13 claims 23 Oct 2026

BIS working paper links oil discoveries to inflation under fixed exchange rates

This BIS Working Paper (No. 1389) examines whether news of future income, specifically large oil and gas discoveries, moves current inflation before any extraction begins. It matters to macro policy teams because it identifies exchange rate flexibility as the variable that determines whether such news shocks become domestic inflation.

  • The dataset covers 1,309 large oil and gas discoveries across 79 economies from 1980 to 2019.
  • The study restricts its sample to discoveries with realised production lags of at least five years to isolate anticipation effects.
  • About half of the total increase in core consumer prices occurs before extraction begins.
  • Inflation rises mainly under inflexible exchange rate regimes but is largely absent under flexible regimes.
  • The current account initially worsens as domestic demand increases, then turns to surplus once new oil production begins.
Source document
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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
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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
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
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BANK Bank of Russia Source document ↗
Bank of Russia Prudential & Capital ✓ 14 claims 22 Oct 2026

Bank of Russia revokes licence of NCO Taidon over missed mandatory payments

The Bank of Russia has withdrawn the banking licence of NCO Taidon LLC, a small non-bank credit organisation in Kemerovo, citing poor asset quality and insolvency. The regulator installed a provisional administrator the same day. This item sets out the stated grounds, the statutory basis and the immediate consequences for a reader tracking Russian prudential actions.

  • The Bank of Russia revoked NCO Taidon LLC's licence by Order No. OD-1864 dated 22 October 2026 under Clause 4 of Part 2 of Article 20 of the Federal Law 'On Banks and Banking Activities'.
  • The regulator acted on the basis that the institution failed to make mandatory payments for longer than 14 days and had become insolvent.
  • NCO Taidon LLC ranked 355th by assets in the Russian banking system according to financial statements as of 1 October 2026.
  • By Order No. OD-1865 the Bank of Russia appointed a provisional administrator until a receiver or liquidator is appointed, and under federal laws the powers of the executive bodies were suspended.
Source document
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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
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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
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ECB European Central Bank Source document ↗
European Union European Central Bank Prudential & Capital ✓ 24 claims 20 Oct 2026

ECB's Elderson backs higher proportionality threshold to lighten supervision for 150 banks

In an interview with Die Presse, ECB Executive Board member and Supervisory Board Vice-Chair Frank Elderson sets out where supervision can be simplified and where it cannot. He names fragmentation, not regulation, as Europe's main competitiveness problem, defends the Basel framework, and flags fresh scrutiny of AI-driven cyber risk and bank links to private credit.

  • Elderson supports raising the small and non-complex bank threshold from €5 billion to €10 billion in total assets, bringing roughly 150 more banks into the simplified regime.
  • Small and non-complex banks currently report up to 30% of the data large banks must submit, and Elderson says core prudential standards should not change.
  • Banks were asked in July to reassess cybersecurity and review IT budgets and staffing, and must submit action plans on AI-related cyber risks by the end of October.
  • Elderson names fragmentation, not regulation, as the biggest obstacle to European competitiveness and calls for completing the banking union, including a European deposit insurance scheme.
  • He warns that loosening Pillar 1 requirements could simply shift the burden from regulation to supervision rather than removing risk.
Source document
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BIS BIS Press Releases Source document ↗
European Union BIS Press Releases Prudential & Capital ✓ 18 claims 20 Oct 2026

ECB to downgrade lowest-severity supervisory findings to mere observations

ECB Vice-Chair Frank Elderson outlines how banking supervision is tiering its follow-up on supervisory findings by severity, reducing documentation burdens for low-risk issues while sharpening escalation for high-severity weaknesses. The speech explains a refocusing exercise launched in mid-October that will reassess the accumulated stock of findings and measures across significant banks.

  • By the end of 2025 the stock of outstanding measures across significant banks had risen to around 12,000, averaging about 100 per bank.
  • In 2025 the ECB closed 1,200 more supervisory measures than it created, and the stock fell by a further 600 in 2026.
  • From mid-October 2026 a refocusing exercise will review the accumulated stock of findings and tailor engagement to severity, prudential relevance, remediation status and time elapsed.
  • The least severe findings, categorised F1, will in future be communicated as supervisory observations rather than generating formal measures.
  • Mandatory verification of remediation by internal audit or internal validation will be removed for low-severity (F1 or F2) findings related to internal models.
Source document
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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
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HMRC HM Revenue & Customs Source document ↗
United Kingdom HM Revenue & Customs Prudential & Capital ✓ 15 claims 19 Oct 2026

HMRC's latest ROPS list adds 25 schemes, removes 17, as EEA parity rule beds in

HMRC maintains a notification list of overseas pension schemes that have told it they meet the recognised overseas pension scheme (ROPS) conditions. The latest refresh added 25 schemes, removed 17 and amended one. For advisers handling overseas transfers, the operative detail is not the names but the disclaimer: presence on the list is a self-certification, not an HMRC warranty against UK tax.

  • The 15 October 2026 update added 25 schemes, removed 17 and amended one on the ROPS notification list.
  • HMRC updates the list on the 1st and 15th of each month, deferring to the next working day where that falls on a weekend or UK public holiday.
  • HMRC states it cannot guarantee entries are ROPS or that transfers will be free of UK tax, and will usually pursue UK tax charges and interest, plus penalties in appropriate cases, even where a scheme appears on the list.
  • From 6 April 2025, Overseas Pension Schemes and ROPS established in the EEA must meet the same conditions as schemes in the rest of the world.
  • HMRC may remove schemes at short notice while reviews are carried out, for example where fraudulent activity is suspected.
Source document
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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
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BIS BIS Press Releases Source document ↗
Global BIS Press Releases Prudential & Capital ✓ 12 claims 18 Oct 2026

Basel Committee finalises G-SIB window-dressing fix, moves scoring to annual averages by 2030

The Basel Committee has closed off a long-standing tactic in which banks shrink their reported systemic footprint around G-SIB reference dates. Final amendments switch indicator calculation to annual averages, the threshold for who must report rises, and a parallel consultation reopens the question of how European Banking Union cross-border exposures are treated. Anyone running G-SIB reporting should read the implementation dates closely.

  • Banks must calculate all stock G-SIB indicators on an average of values over the reporting year rather than year-end values, implemented by 1 January 2030.
  • The G-SIB reporting and disclosure threshold rises from EUR 200 billion to EUR 350 billion in leverage ratio exposure measure, effective from 2027.
  • The Committee is consulting on whether to incorporate the treatment of cross-border exposures within the European Banking Union into the G-SIB methodology.
  • Comments on the consultation must be submitted by 14 January 2027.
Source document
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ECB European Central Bank Source document ↗
European Union European Central Bank Prudential & Capital ✓ 15 claims 17 Oct 2026

Lagarde tells IMF rate hikes of 25bp in June and September were measured, not looking through shock

Christine Lagarde's statement to the IMF's steering committee lays out the ECB's view of growth, inflation and financial stability risks, alongside concrete updates on monetary policy, the EUREP repo facility, and digital euro/tokenisation projects. Useful for compliance and treasury teams tracking policy direction and infrastructure timelines.

  • The Governing Council raised key ECB interest rates by 25 basis points in September, following an identical increase in June.
  • September headline inflation rose to 3.8% and core inflation to 2.5%, with headline inflation expected to return to around target towards the end of 2027.
  • September ECB staff projections foresee euro area growth of 0.9% in 2026, 1.4% in 2027 and 1.5% in 2028.
  • A 12-month internal digital euro pilot is planned for the second half of 2027, contingent on the EU adopting the digital euro Regulation by end-2026.
  • The Eurosystem's Pontes DLT platform went live on 21 September as the first step toward a tokenised asset ecosystem under the Appia initiative.
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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.
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FCA FCA Publications Source document ↗
United Kingdom FCA Publications Prudential & Capital ✓ 16 claims 14 Oct 2026

FCA and PRA lift 15% cap on individual lenders' high-LTI mortgage lending

The FCA and PRA have jointly recalibrated how the FPC's loan-to-income flow limit is enforced. Individual mortgage lenders may now push their share of high-LTI lending above 15%, provided the market-wide flow stays consistent with that limit. This item covers who the new guidance binds, how the aggregate flow will be measured and published quarterly, and where the supervisory attention now falls.

  • Individual lenders may now exceed a 15% share of high-LTI lending, with the 15% limit instead applied to aggregate market flow.
  • FG26/11 replaces FG14/8 (2014), revised by FG17/2 (2017) and FG25/4 (July 2025); PRA amended its Rulebook and issued a new supervisory statement.
  • PRA and FCA will calculate aggregate high-LTI flow quarterly; PRA publishes the figure with completed mortgage volumes and share.
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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.
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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.
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