Financial Compliance

Changes to Uniform Bank Performance Report Peer Group Definitions

The Federal Financial Institutions Examination Council (FFIEC) announced changes to the Uniform Bank Performance Report (UBPR) commercial bank peer group definitions, effective shortly after February 26, 2026. These updates are part of an ongoing review of commercial bank peer groups initiated in 2025.

OCC Enforcement Actions Search Tool

The Office of the Comptroller of the Currency (OCC) provides a search tool for its enforcement actions, penalties, and orders. An update in January 2025 added subject matter filtering for actions issued since 2012.

OCC Announces Enforcement Actions for January 2026

The Office of the Comptroller of the Currency (OCC) announced its January 2026 enforcement actions, including an order of prohibition against an individual for embezzlement and falsifying records. The OCC also released orders terminating previous enforcement actions against several banks.

OCC Announces Enforcement Action Terminations

The Office of the Comptroller of the Currency (OCC) announced the termination of several enforcement actions in December 2025. These terminations occur when banks demonstrate compliance with all articles of an enforcement action or when specific conditions are met.

OCC Announces Enforcement Actions Terminations

The Office of the Comptroller of the Currency (OCC) announced the termination of five formal agreements with banks in February 2026. These terminations indicate that the banks have met compliance requirements or that the terms of the agreements are no longer relevant.

OCC Enforcement Action Types

The Office of the Comptroller of the Currency (OCC) has published a guide detailing the types of formal enforcement actions it can take against supervised financial institutions and their affiliated parties. The document outlines various actions including Capital Directives, Cease & Desist Orders, and Civil Money Penalties.

Interagency FAQs on Tokenized Securities Regulatory Capital

The OCC, Federal Reserve, and FDIC have issued FAQs clarifying the regulatory capital treatment of tokenized securities. The guidance states that the technology used for issuance and transaction does not alter capital treatment, and eligible tokenized securities conferring identical legal rights to their non-tokenized counterparts should be treated the same for capital purposes.

Community Bank Licensing Amendments Final Rule

The OCC issued a final rule amending community bank licensing requirements. The rule simplifies licensing for national banks and federal savings associations with less than $30 billion in assets, providing them access to expedited filing procedures. This aims to reduce regulatory burden for these institutions.

Rescission of Fair Housing Home Loan Data System Rule

The Office of the Comptroller of the Currency (OCC) has issued a final rule rescinding 12 CFR 27, the 'Fair Housing Home Loan Data System' regulation. This action removes regulatory burden for national banks without impacting the OCC's fair housing supervisory activities.

Federal Credit Union Operating Fees Decrease for 2026

The NCUA announced that federal credit union operating fees will decrease by an average of 24.65% in 2026 due to budget reductions and repurposed funds. The exemption threshold for these fees has also been increased. Invoices will be issued in March 2026, with payment due by April 17, 2026.