FDIC – Page 65 – Regulatory Report

What's up

[ July 31, 2026 ] Banks under $10 billion will reap significant easing of CRA rules under proposal FDIC
[ July 31, 2026 ] Fed proposes to ‘modernize’ mutuals’ capital framework, including easier transition to stock held The Fed
[ July 31, 2026 ] FDIC, Fed propose higher thresholds, indexes for lending to officers, other insiders FDIC
[ July 31, 2026 ] Former Wisconsin credit union worker prohibited by federal agency NCUA
[ July 30, 2026 ] Revised compliance guide lowers leverage ratio for community banks to 8% from 9% FDIC

Comments due June 21 on restoration of SARC under revised supervisory appeal guidelines

May 20, 2022 0

Revised guidelines that restore the federal bank deposit insurer’s independent, intra-agency appeals process to review material supervisory determinations regarding supervised banks are out for public comment until June 21, according to a Federal Register notice […]

Guidelines for Appeals of Material Supervisory Determinations

May 20, 2022 0

Title: Guidelines for Appeals of Material Supervisory Determinations Subject: Supervisory appeals Agency: FDIC Status: Notice and request for comment Summary: On May 17, 2022, the Federal Deposit Insurance Corporation (FDIC) adopted revised Guidelines for Appeals […]

FDIC issues letter on process for seeking MDI designation

May 19, 2022 0

A Financial Institution Letter (FIL) establishing the process for an insured banking institution or applicant for deposit insurance to request recognition by the federal bank deposit insurer as a minority depository institution (MDI) was announced […]

Hawaiian tapped to join MDI advisory group, with meeting set for May 23

May 18, 2022 0

A Hawaiian banker is joining the minority depository institution advisory panel for the federal insurer of bank deposits, the agency said Wednesday. Russell Lau, chairman and chief executive officer of Finance Factors Ltd. in Honolulu, […]

Compliance guide hopes to simplify for small entities new rule on deposit insurance for trust, mortgage service accounts

May 18, 2022 0

A compliance guide related to a rule designed to simplify federal bank deposit insurance rules for trust and mortgage service accounts at small entities was released Wednesday by the federal agency that provides the insurance. […]

FDIC names two veteran staffers to oversee, manage insurance fund, research, financial operations

May 18, 2022 0

A new manager of the $123 billion fund that insures bank deposits and a new leader for the corporate financial operations of the agency that houses the fund were announced Wednesday. Patrick Mitchell will serve […]

Agency restores SARC for supervisory appeals, kicking to curb 2021 ‘Supervision Appeals Review Committee’

May 17, 2022 0

The final level of review in the federal insurer of bank deposits supervisory appeals process is restored – as it was before last year – to an independent intra-agency appeals process to review material supervisory […]

CFPB

FDIC final rule implements agency’s statutory authority to bar misrepresentations about deposit insurance

May 17, 2022 0

A final rule prohibiting any person or organization from making misrepresentations about federal bank deposit insurance or misusing the insurer’s name or logo was approved Tuesday by the Federal Deposit Insurance Corp. (FDIC). The final […]

Agencies finally release revised flood insurance Q&As, including 144 new, updated ones

May 12, 2022 0

Federal flood insurance law and federal regulators’ implementing rules are the topic of revised questions and answers (Q&As) released late Wednesday by federal financial institution regulators and the Farm Credit Administration (FCA). According to the […]

Final rule on false advertising, misrepresentation, misuse of deposit insurer’s logo up for consideration

May 11, 2022 0

A final rule on false advertising, misrepresentation of insured status, and misuse of the logo of the federal insurer of bank deposits is up for consideration at a meeting of the agency’s board May 17 […]

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Banks under $10 billion will reap significant easing of CRA rules under proposal

July 31, 2026 0

Smaller banks – those with $10 billion or less in assets – would receive significant easing of anti-redlining regulations under a joint proposal issued by the national bank regulator and federal bank deposit insurance agency announced Friday. Under the proposal, [...]
Fed proposes to ‘modernize’ mutuals’ capital framework, including easier transition to stock held

July 31, 2026 0

The capital framework for mutual savings banks – including increased flexibility to raise capital – would be “modernized,” and make it easier for the banks to convert to stock held, under a proposal issued Friday by the Federal Reserve, the [...]
FDIC, Fed propose higher thresholds, indexes for lending to officers, other insiders

July 31, 2026 0

Thresholds for certain lending limits for executive officers and other insiders of banks would be raised and indexed under a proposal issued Friday by the federal bank deposit insurance agency and the nation’s central bank. The Federal Deposit Insurance Corporation [...]
Former Wisconsin credit union worker prohibited by federal agency

July 31, 2026 0

A former worker at a Wisconsin credit union was prohibited by the federal regulator after being convicted in state court of misappropriating identification information, the agency said. Jordan L. McCarthy, according to the National Credit Union Administration (NCUA), a former [...]
Revised compliance guide lowers leverage ratio for community banks to 8% from 9%

July 30, 2026 0

An 8% leverage ratio requirement for community banks – down from 9% — is the key component of an updated compliance guide for the ratio’s framework, released Thursday by federal banking regulators. The lowered requirement for the community bank leverage [...]
Pair of bankers in different states prohibited after allegations of misappropriation of customer funds

July 30, 2026 0

Charges of misappropriation of customer funds at banks in Alabama and Montana have led to prohibitions of two former employees of the institutions, with their consent, the Federal Reserve said Thursday. In a release, the Fed said that Ralph A. [...]
Illinois bank, holding company, agree to enforcement action over shortcomings revealed in exam

July 30, 2026 0

Deficiencies in internal controls, risk management and more have led to an enforcement action against an Illinois bank and its holding company by the Federal Reserve, the agency said Thursday. According to the Fed, Iuka State Bank and its holding [...]
FinCEN seeks financial institutions’ aid in rooting out student-loan fraud

July 27, 2026 0

Financial institutions are encouraged to report suspicious account activity that could point to fraud targeting federal student aid programs, according to an alert from Treasury’s financial crimes enforcement unit. Friday, the Financial Crimes Enforcement Network (FinCEN) issued an alert on [...]
FDIC updates consumer compliance exam manual

July 24, 2026 0

Updates to violation codes, Truth in Lending Act (TILA) thresholds, Home Mortgage Disclosure Act (HMDA) loan-volume thresholds and more are reflected in the July iteration of the federal bank deposit insurer’s Consumer Compliance Examination Manual (CEM). The Federal Deposit Insurance [...]