OCC

The Spanish banking giant's pending acquisition of Webster Financial is still awaiting approval from the Federal Reserve Board and the European Central Bank. The deal is expected to close during the second half of 2026.

Regulators have signaled that the speed of progress in generative and agentic artificial intelligence makes producing definitive guidance impractical. That does not remove banks' obligation to face up to their risks.

Multiple states are testing the ability of federal banking regulations to preempt state laws. If they succeed, a core pillar of the U.S. economy — the dual banking system — could begin to crumble.

Rising assessment fees and the fear of punitive actions under newly installed state regulator Rohit Chopra may push some California-chartered banks to switch to a federal overseer, some industry observers say.

A proposal from the Federal Financial Institutions Examination Council to reshape the CAMELS rating system, which, combined with other related policy moves, are teeing up a sea change in the way banks and their federal supervisors go about their respective businesses.

Applications from Enova International and Opportunity Financial for national bank charters present a danger to consumers. The Federal Reserve and Office of the Comptroller of the Currency should block them.

Members of the House Financial Services Committee pressed prudential bank and credit union regulators about the potential risks of bank lending to private credit firms in a hearing Thursday.

The heads of the Federal Deposit Insurance Corp., National Credit Union Administration, Office of the Comptroller of the Currency and the Vice Chair of Supervision at the Federal Reserve are slated to appear before the House Financial Services Committee Thursday morning.

A revised Basel III endgame proposal from the Federal Reserve would fundamentally change the economics of mortgage lending for banks — improving returns, reshaping pricing and reopening a market they sidelined.

The Federal Reserve, the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corp. said Tuesday they had removed references to reputational risk from certain interagency guidance documents, furthering the administration's state goal of eliminating reputational risk from bank supervision.

A federal judge blocked Illinois from enforcing its interchange fee ban for taxes and tips against national banks and card networks after the Office of the Comptroller of the Currency's recent intervention materially altered the court's preemption analysis.

Lawmakers early on Monday voted to push the effective date of the law, which would ban interchange fees on the tax and tip portions of transactions, to July 1, 2027, marking the second delay as merchants and banks continue to battle in court. 

Joint guidance from the Federal Reserve and Office of the Comptroller of the Currency on managing model risk leaves many concerns about artificial intelligence, and especially agentic AI, for bankers to sort out themselves.

Cryptocurrency companies have rushed to apply for national trust charters from the Office of the Comptroller of the Currency during the second Trump administration after remaining on the sidelines for years. Experts say the trust charters offer them scale, Fed access and legitimacy without the full regulatory burden of traditional banks.

An automated alert system auto-closed "a very high percentage" of suspicious-activity flags at the bank, the OCC said.

The Office of the Comptroller of the Currency issued a final rule saying that federal law trumps state mandates on interest in escrow accounts for national banks, wading into an ongoing court battle. 

The community bank trade group says crypto firms are combining stablecoin rules, Fed master account access and trust charters to replicate banking without bank rules.

Banking groups that sued the state of Illinois over its law barring banks from charging interchange fees on taxes and tips cheered an appeals court ruling remanding the law to a lower court and vowed to keep the law going into effect, which is slated for July 1.

Sen. Elizabeth Warren, D-Mass., the ranking member of the Senate Banking Committee, warned in a letter to the Office of the Comptroller of the Currency Thursday that its proposed rollback leaves regional banks dangerously unsupervised.

The measure, sent Thursday to the governor's desk, would mark the second state ban on interchange fees and could inform an ongoing bank-led legal challenge to a similar Illinois law.