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Cards Wire 11 segments
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
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OCC OCC Bulletins Source document ↗
United States OCC Bulletins Digital Assets ✓ 15 claims 21 Oct 2026

OCC signals it will waive stablecoin prior-approval bar for existing US issuers

The OCC has told national banks, federal savings associations and prospective stablecoin issuers how to file GENIUS Act applications and request waivers before the January 18, 2027 compliance date. The bulletin matters because issuing a payment stablecoin without approval carries criminal penalties, and the OCC is signalling where it will and will not grant relief during the application backlog.

  • Payment stablecoin issuers must comply with the GENIUS Act from January 18, 2027, and unapproved issuance carries criminal penalties.
  • Existing US issuers with a substantially complete application pending can request a waiver from the Prior Approval Requirement, which the OCC generally expects to grant unless more compelling reasons to deny emerge.
  • The OCC has identified no generally applicable reason to waive requirements other than the Prior Approval Requirement, citing the 18 months issuers have had to prepare since the act passed.
  • Section 5(f) limits any waiver to a period not exceeding 12 months from January 18, 2027, and the OCC expects to act on waiver requests generally by that date.
  • The OCC will begin accepting applications only after OMB approves the information collection for the application forms, and will announce the start by press release.
Source document
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OCC OCC Bulletins Source document ↗
United States OCC Bulletins Digital Assets ✓ 16 claims 21 Oct 2026

OCC finalises GENIUS Act stablecoin rule, effective January 2027

The OCC has published its final rule implementing the GENIUS Act for payment stablecoin issuers under its jurisdiction. It sets out the standards banks, federal savings associations and qualified issuers will operate under from January 18, 2027, and signals which parts of the regime are still pending. Anyone with stablecoin issuance or custody ambitions should read this as the near-final shape of the federal framework.

  • The final rule becomes effective January 18, 2027, the same date as the GENIUS Act itself.
  • Most requirements are housed in a new 12 CFR 15 covering reserves, redemption, custody, risk management and issuer applications.
  • BSA, AML and OFAC sanctions rules are excluded and will come in a separate rulemaking coordinated with Treasury.
  • The rule revises existing capital adequacy (12 CFR 3), prompt corrective action (12 CFR 6), fee (12 CFR 8) and procedure (12 CFR 19) regulations.
  • It binds national banks, federal savings associations, federal branches, foreign issuers, and federal and state qualified payment stablecoin issuers under OCC authority.
Source document
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OCC OCC Bulletins Source document ↗
United States OCC Bulletins Digital Assets ✓ 19 claims 21 Oct 2026

OCC revises weekly and quarterly stablecoin reporting forms alongside GENIUS Act final rule

The OCC has put revised reporting forms for payment stablecoin issuers out for a further round of comment, issued the same day as its final rule implementing the GENIUS Act. This segment covers who must file, the PS-01 and PS-02 start dates, and the short comment window that compliance teams at any firm registering as an issuer need to track now.

  • The OCC issued a final rule implementing the GENIUS Act for payment stablecoin issuers on 21 October 2026, the same day as this bulletin.
  • Weekly form PS-01, covering payment stablecoin activity and reserves, would take effect from the 25 January 2027 report date, subject to OMB approval.
  • Quarterly form PS-02, covering reports of condition and income, would take effect from the 31 March 2027 report date.
  • The collection applies to permitted payment stablecoin issuers and foreign payment stablecoin issuers for which the OCC has authority under the GENIUS Act.
  • Comments on the revised forms are due within 30 days of publication of the information collection in the Federal Register.
Source document
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OCC OCC Bulletins Source document ↗
United States OCC Bulletins Financial Crime ✓ 14 claims 20 Oct 2026

OCC fines American Express unit $350 million over decade of BSA/AML program failures

The OCC has penalised American Express National Bank $350 million and issued a cease-and-desist order for BSA/AML compliance deficiencies, finding the bank failed to tailor its risk assessment to its dominant card business and missed around $13 billion of suspected trade-based money laundering over the past decade. The Federal Reserve acted concurrently against affiliated entities.

  • The OCC assessed a $350 million civil money penalty and a cease-and-desist order against American Express National Bank on October 8, 2026.
  • The bank failed to timely identify, evaluate and sufficiently report approximately $13 billion of suspected trade-based money laundering over the past decade.
  • The OCC found the risk assessment focused on narrow deposit products and insufficiently on dominant credit and charge card products.
  • Cited deficiencies included inadequate resources and expertise, systemic internal control gaps, weak independent testing and weak BSA/AML training.
  • The Federal Reserve issued a concurrent cease-and-desist order against American Express Company and American Express Travel Related Services Company, Inc.
Source document
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OCC OCC Bulletins Source document ↗
United States OCC Bulletins Financial Crime ✓ 24 claims 20 Oct 2026

OCC orders Amex bank to rebuild AML program after $13bn suspected laundering flow

The OCC has entered a consent cease-and-desist order against American Express National Bank, finding its anti-money-laundering program was not reasonably designed across risk assessment, customer due diligence, suspicious activity monitoring and training. The order details roughly $13 billion in suspected trade-based money laundering processed over about eleven years, some of it through accounts tied to bank insiders, and imposes a sequence of remediation obligations the board must now deliver.

  • The Comptroller found the bank processed approximately $13 billion in suspected trade-based money laundering from roughly June 2014 to May 2025, in some instances through accounts associated with bank insiders.
  • The order cites violations of 12 C.F.R. 21.21, 21.11, and 31 C.F.R. 1020.210(a)(2)(v) and 1020.220(a)(2), with the bank neither admitting nor denying the findings.
  • The board must appoint a compliance committee within 15 days and submit an action plan within 90 days, and the bank must engage an independent SAR look-back consultant to assess unreported and deficient filings.
  • The OCC found the bank's risk assessment focused on its narrow deposit products rather than its dominant credit and charge card business, and that internal audit and staffing were inadequate.
  • The OCC released the bank only from cease-and-desist liability for the described violations and expressly reserved the right to assess civil money penalties or pursue institution-affiliated parties.
Source document
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OCC OCC Bulletins Source document ↗
United States OCC Bulletins Financial Crime ✓ 17 claims 20 Oct 2026

OCC fines Bank of America $750 million for BSA failures, its largest penalty ever

The OCC has assessed its largest-ever civil money penalty against Bank of America, N.A., for continued Bank Secrecy Act failures nearly two years after the bank agreed to fix them. The action is coordinated with a FinCEN fine and turns on unmonitored transactions, late suspicious activity reports and a failure to escalate potential money laundering. It matters to anyone managing a BSA/AML program under an existing consent order.

  • The OCC assessed a $750 million civil money penalty against Bank of America, N.A., which it describes as the largest in OCC history.
  • The bank remains under a December 2024 cease-and-desist order and, more than a year later, still failed to escalate potentially suspicious activity to investigators.
  • FinCEN is assessing a separate $1.2 billion fine that credits the OCC's $750 million penalty and requires remedial action.
  • Cited failures include deficient transaction monitoring across trillions of dollars, late SARs with indicia of money laundering, and processing of potential trade-based money laundering.
  • The OCC found the BSA Officer and staff lacked sufficient skills and the audit function failed to identify long-standing concerns examiners later uncovered.
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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OCC OCC Bulletins Source document ↗
United States OCC Bulletins Financial Crime ✓ 12 claims 15 Oct 2026

US regulators clarify how banks may use mobile driver's licences under CIP Rule

The OCC, FinCEN, Federal Reserve, FDIC and NCUA have jointly issued FAQs on treating verifiable digital credentials, including state-issued mobile driver's licences, under the Customer Identification Program Rule. This segment covers what the guidance addresses, who it binds, and why onboarding and BSA teams should read the underlying document before relying on digital ID at account opening.

  • Interagency FAQs issued September 8, 2026 by the OCC, FinCEN, Federal Reserve, FDIC and NCUA on verifiable digital credentials under the CIP Rule.
  • Guidance covers the definition of a VDC, application of the CIP Rule at 31 CFR 1020.220, and amended terminology in previously issued FAQs.
  • Applies to all national banks, federal savings associations and federal branches and agencies, including community banks with up to $30 billion in assets.
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OCC OCC Bulletins Source document ↗
United States OCC Bulletins Governance & Accountability ✓ 15 claims 15 Oct 2026

US agencies propose to replace interagency third-party risk guidance with a risk-tailored approach

Four US banking agencies have jointly proposed guidance that would revise and replace their existing third-party risk management expectations. The pitch is calibration: align oversight to the risk of each relationship rather than treating every vendor as high-risk. This segment covers what the proposal changes, who it would bind, the comment window, and why the non-enforceable framing matters for examiners and banks alike.

  • Proposed interagency guidance would revise and replace existing third-party risk management guidance across the OCC, Federal Reserve, FDIC and NCUA.
  • The guidance would not set enforceable standards or prescriptive requirements, and non-compliance would not result in supervisory action.
  • Comments are due 60 days from publication in the Federal Register; the guidance would apply to community banks when final.
Source document
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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.
Source document