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Regulatory Hot Topics 2025

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Regulatory Hot Topics 2025

Regulatory Hot Topics for 2025

The following are Regulatory Hot Topics for 2025 that may apply to your bank, credit union, fintech company, or other type of financial institution. These were issued by the Federal Deposit Insurance Corporation (FDIC), Federal Reserve, Office of the Comptroller of the Currency (OCC), or other federal regulatory bodies that resulted in a revision to one or more of our products. Click on any of the tabs below of a particular agency to see detailed subject matter regarding the regulatory release and the related product update.

NOTE: The dates of the regulatory releases are displayed by the year when the guidance was issued - not the effective date of the guidance.

CFPB FDIC Federal Reserve FFIEC FinCEN FTC Joint Release NACHA OCC OFAC SBA Treasury

CFPB

Interpretive Rules, Policy Statements, and Advisor Opinion; Withdrawal

UPDATES

Compliance Management Policy
Fair Credit Reporting Act Policy
Fair Debt Collection Practices Act Policy
Human Resources Incentive Compensation Policy
Human Resources Salary Administration Policy
Overdraft Policy
Regulation B Policy
UDAAP Policy

Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)

UPDATE

Fair Credit Reporting Act Policy

Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures Act (RESPA), Regulation X; Rescission

UPDATES

Mortgage Servicing Policy
Regulation X Policy

Small Business Lending Under the Equal Credit Opportunity Act (Regulation B); Extension of Compliance Dates

UPDATE

Regulation B Policy

FDIC

Compliance Date Extension: Sections 328.4 and 328.5 Amendments to FDIC Official Signs and Advertising Requirements, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC’s Name or Logo

UPDATES

FDIC Advertising Policy
Marketing Plan and Program Policy

FDIC Clarifies Process for Banks to Engage in Crypto-Related Activities

UPDATE

Asset, Liability, and Liquidity Management Policy
Cryptocurrency Policy

Supervisory Correspondence: Electronic Communication Adopted as the Preferred Method

UPDATE

Compliance Management Policy

Federal Reserve

Regulation A: Extensions of Credit by Federal Reserve Bank

UPDATE

Regulation A Policy

Regulation D: Reserve Requirements of Financial Institutions

UDPATE

Regulation D Policy

FFIEC

None at this time.

FinCEN

Beneficial Ownership Information Reporting Requirement Revisions and Deadline Extension

UPDATES

Bank Secrecy Act Policy - Comprehensive Version
Customer Identification Program Policy

FinCEN Advisory on the Financing of the Islamic State of Iraq and Syria (ISIS) and its Global Affiliates

UPDATE

BSA Suspicious Activity Report Notices

FinCEN Advisory on the Iranian Regime’s Oil Smuggling Activities, Shadow Banking Networks, and Weapons Procurement Efforts

UPDATE

BSA Suspicious Activity Report Notices

FinCEN Alert on Bulk Cash Smuggling and Repatriation by Mexico-Based Transnational Criminal Organizations

UPDATE

BSA Suspicious Activity Report Notices

FinCEN Alert on Oil Smuggling Schemes on the U.S. Southwest Border Associated with Mexico-Based Cartels

UPDATE

BSA Suspicious Activity Report Notices

FinCEN Extends Beneficial Ownership Information Reporting Deadline by 30 Days; Announces Intention to Revise Reporting Rule

UPDATES

Bank Secrecy Act Policy - Comprehensive Version
Customer Identification Program Policy

FTC

Children’s Online Privacy Protection Rule

UPDATES

Children's Online Privacy Protection Act Policy
Internet Banking Policy

Joint Release

None at this time.

NACHA

None at this time.

OCC

Clarification of Bank Authority Regarding Crypto-Asset Custody Services

UPDATE

Cryptocurrency Policy

OCC Letter Addressing Certain Crypto-Asset Activities

UPDATE

Asset, Liability, and Liquidity Management Policy
Cryptocurrency Policy

OFAC

Inflation Adjustment of Civil Monetary Penalties

UPDATES

Bank Secrecy Act Policy Comprehensive Version
Office of Foreign Assets Control Policy

SBA

SBA Eliminates Disastrous Biden-Era Underwriting Standards

UPDATES

Commercial Loan Policy
Small Business Administration Loan Policy

SBA Highlights Range of New Measures to Stop Fraud

UPDATES

Commercial Loan Policy
Small Business Administration Loan Policy

Treasury

Eliminating Unnecessary Regulations

UPDATE

Accounts Payable Policy

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The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.

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