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
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OCC issues revised Comptroller's Handbook booklet on allowances for credit losses under CECL framework
The OCC released version 2.0 of its Allowances for Credit Losses booklet on July 16, 2026, establishing updated examiner guidance under the current expected credit loss accounting standard. The revision sets new supervis…
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OCC, Federal Reserve, and FDIC issue joint statement on handling highly sensitive information during bank examinations
On July 16, 2026, the OCC, Federal Reserve Board, and FDIC jointly issued a statement establishing how examiners identify and handle highly sensitive information during bank examinations. The statement sets coordinated e…
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OCC releases July 2026 enforcement actions against supervised institutions and individuals
The OCC's July 16, 2026 enforcement action release discloses formal actions against supervised national banks, federal savings associations, and associated individuals. The release continues the agency's monthly enforcem…
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Federal Reserve issues prohibition order against former Heritage State Bank chief lending officer
On July 16, 2026, the Federal Reserve Board issued an enforcement action against the former chief lending officer of Heritage State Bank, exercising its authority to prohibit and remove individual senior officers.
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OCC, FDIC, and NCUA issue joint guidance on credit risk management for unauthorized-work-status borrowers
The OCC, FDIC, and NCUA jointly issued guidance on July 13, 2026, reminding supervised institutions of existing credit risk management expectations for borrowers not legally authorized to work in the United States. This …
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OCC, FDIC, and NCUA issue joint guidance on credit risk management for non-work-authorized borrowers
On July 13, 2026, the OCC, FDIC, and NCUA issued joint guidance following a presidential executive order directing restoration of integrity to the financial system. The guidance reminds supervised institutions that non-w…
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OCC appoints FDIC receiver for Kentland Federal Savings and Loan Association following charter revocation
The OCC revoked the charter of Kentland Federal Savings and Loan Association of Kentland, Indiana and appointed the FDIC as receiver. This closes a federally chartered thrift and activates the FDIC deposit insurance reso…
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OCC highlights updated FinCEN Section 314(b) fact sheet clarifying voluntary fraud information sharing among financial institutions
On July 9, 2026, the OCC issued a bulletin directing financial institutions to FinCEN's updated Section 314(b) Fact Sheet, which clarifies how institutions may share information about suspected fraud under the voluntary …
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Federal Reserve issues formal enforcement action against TS Banking Group and TS Contrarian Bancshares
On July 9, 2026, the Federal Reserve Board issued a formal enforcement action against TS Banking Group, Inc. and TS Contrarian Bancshares, Inc. The action imposes supervisory requirements on both holding companies, refle…
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Federal Reserve releases FOMC minutes from June 16-17 meeting disclosing internal policy deliberations
The Federal Reserve published the minutes of the June 16–17, 2026 Federal Open Market Committee meeting on July 8, 2026. The minutes disclose the Committee's internal deliberations on the economic outlook, inflation asse…
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Federal Reserve proposes amended AML program requirements for banks under a new risk-based framework
The Federal Reserve Board issued a proposed rule on July 7, 2026 to amend its requirements for banks to maintain anti-money laundering programs. The proposal marks a structural shift toward a risk-based AML program stand…
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Federal Reserve issues new enforcement action against Small Business Bank and terminates four BNP Paribas and Community Bankshares orders
The Federal Reserve Board issued a new enforcement action against Small Business Bank on July 2, 2026, while terminating prior actions against BNP Paribas S.A., BNP Paribas USA, Inc., BNP Paribas Securities Corp., and Co…
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Federal Reserve terminates enforcement action against Jiko Group, Inc. effective June 25, 2026
The Federal Reserve Board terminated its enforcement action against Jiko Group, Inc. on June 25, 2026. The proceeding closes without continuation or sector-wide framing.
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Federal Reserve issues individual enforcement action against Bank of Eufaula and SNB Bancshares employee
On June 25, 2026, the Federal Reserve Board issued an enforcement action against an individual employee of Bank of Eufaula and its holding company, SNB Bancshares, Inc. The action targets the individual, not the institut…
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Federal Reserve 2026 stress test confirms large banks maintain capital adequacy under severe recession scenario
The Federal Reserve's 2026 stress test results, released June 24, 2026, confirm that large banks hold sufficient capital to absorb severe recession losses. Tested institutions remain positioned to sustain lending to hous…
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Federal Reserve issues enforcement action against former Bank of Eufaula and SNB Bancshares employee
On June 18, 2026, the Federal Reserve Board announced an enforcement action against a former employee of Bank of Eufaula and SNB Bancshares, Inc. The action reflects the Federal Reserve's continued use of individual acco…
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Federal Reserve proposes customer identification program requirements for payment stablecoin issuers
On June 18, 2026, the Federal Reserve Board published a proposed rule requiring certain payment stablecoin issuers to establish and maintain customer identification programs. The proposal extends Bank Secrecy Act anti-mo…
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Federal Reserve issues enforcement action against former Manufacturers and Traders Trust Company employee
On June 18, 2026, the Federal Reserve Board issued an enforcement action against a former employee of Manufacturers and Traders Trust Company, a subsidiary of M&T Bank Corporation. The action reflects the Federal Reserve…
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FOMC releases June 2026 economic projections following two-day policy meeting
The Federal Reserve Board and Federal Open Market Committee released updated economic projections on June 17, 2026, following the June 16–17 meeting. The projections reflect the Committee's current assessments of GDP gro…
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Federal Reserve holds federal funds rate at 4.25 to 4.50 percent at June 2026 FOMC meeting
The Federal Reserve held the federal funds rate target range at 4.25 to 4.50 percent in its June 17, 2026 FOMC statement. The Committee cited ongoing uncertainty about the economic outlook as the basis for maintaining it…
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