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Regulatory Update Hub

Hear from Stephanie Lyon and our internal team of compliance experts in monthly updates that help clarify the latest regulatory changes, guidance, and news as well as how they affect your institution.


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Regulatory Updates for February 2023


What you can expect:


  • RESPA in the spotlight
  • CFPB proposes changes to credit card late fees
  • Credit union regulatory news
  • California privacy regulation moving forward
  • NYDFS implements state CRA revisions

Regulatory Updates for January 2023


What you can expect:


  • FinCEN cracks down on illicit Russian finance
  • DOJ’s biggest-ever redlining settlement against a bank
  • HUD combatting appraisal bias
  • CFPB releases updates mortgage servicing exam procedures
  • NCUA extends loan interest rate ceiling


Regulatory Updates for December 2022


What you can expect:


  • CFPB HMDA reporting threshold reverts to 25 loans
  • Federal Reserve Board finalizes LIBOR Act rule
  • Agencies update thresholds
  • FINCEN issues Corporate Transparency Act (CTA) Proposal
  • CFPB proposes registry of nonbank repeat offenders


Regulatory Updates for November 2022


What you can expect:


  • HUD final rule permits private flood insurance for FHA Loans
  • New draft rules for implementing the California Privacy Rights Act
  • New York updates its 2017 cybersecurity regulations
  • CFPB’s Fall 2022 Supervisory Highlights


Regulatory Updates for October 2022


What you can expect:


  • Marijuana reform
  • CFPB funding structure unconstitutional
  • Financial data privacy rights proposed rule
  • Freddie Mac new underwriting technology
  • CFPB warning on surprise fees

Regulatory Updates for September 2022


What you can expect:


  • Trades file UDAAP lawsuit against the CFPB
  • FinCEN finalizes beneficial ownership rule
  • California passes law to protect children's online data and privacy
  • New fed policy encourages whistleblowers
  • OCC cuts assessment fees

Regulatory Updates for August 2022


What you can expect:


  • CFPB: Data security is a UDAAP issue
  • FHFA to require servicers to maintain fair lending data 
  • Agencies address CRE loan accommodations
  • Agencies consider future of FFIEC’s CAT
  • Cybersecurity assessments for nonbanks


Regulatory Updates for July 2022


What you can expect:


  • LIBOR’s 2023 end date looming
  • FHFA tackles fintech
  • CFPB to issue its notice of proposed rulemaking for Section 1071
  • New York eyeing overdraft fees


Regulatory Updates for June 2022


What you can expect:


  • CFPB targets credit card fees
  • Reg E insights from a Wells Fargo/Zelle class action lawsuit
  • FDIC’s proposed rule on assessments & deposit insurance rates
  • Harper confirmed as NCUA chairman


Regulatory Updates for May 2022


What you can expect:


  • $10M penalty against Bank of America
  • CRA modernization and how this affects what loans you offer


Regulatory Updates for April 2022


What you can expect:


  • CFPB: Repeat offenders and Transunion
  • CFPB: Expanding supervision into non-banks
  • Bank issues and digital currency
  • Virginia: House Bill #263



Regulatory Updates for March 2022


What you can expect:


  • CFPB is not playing any games around UDAAP
  • The adjustable Interest Rate Act


Regulatory Updates for February 2022


What you can expect:


  • Russia, Ukraine, and cybersecurity
  • CFPB and home evaluations
  • FDIC under new leadership and bank merger guidelines


Regulatory Insights: 2022 Expectations & Enforcements


What you can expect:


  • Federal enforcement actions: 2021 in review 
  • 2022 supervisory priorities




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