Policy timeline
Proposals, final rules, guidance and court actions from the policy library, with separately labeled implementation milestones.
Source dates identify the recorded document or agency action; they do not establish when a rule became binding. Effective and compliance dates appear only where explicitly identified. This is a selected timeline, not a complete docket or deadline calendar. Recorded source statuses were reviewed 2026-09-27; the Section 1033 milestones were checked September 27, 2026.
50 timeline entries
- Source / action dateFederal Reserve · Proposed rule
GENIUS Act — Federal Reserve implementation proposals ↗
Proposed
September proposals covering substantive requirements and application procedures.
Read the analysis → - Source / action dateFTC · Proposed rule
Impersonation scams and platforms — FTC 2026 advance notice ↗
Advance notice; not final
Seeks input on possible changes to the government-and-business impersonation rule, including the role of platforms and services in facilitating scams. An advance notice explores options; it does not impose the contemplated new duties.
- Source / action dateOCC · Guidance
Cybersecurity supervision — OCC 2026-48 ↗
Updated examiner work program
Updates the structure and references of the Cybersecurity Supervision Work Program and rescinds the 2023 bulletin. The OCC says the update adds no procedures and establishes no new regulatory expectations.
- Source / action dateCongress · Pending bill
CFPB reform — adopted committee substitute ↗
Committee-approved substitute
BARR_154 substitute adopted September 16; proposed changes are not current law.
Read the analysis → - Source / action dateCongress · Legislative record
CLARITY Act — September 15 Senate action ↗
Procedural record
Official floor record of the unsuccessful cloture vote on proceeding.
Read the analysis → - Source / action dateOCC / FDIC / Federal Reserve / NCUA · Proposed policy
Third-party risk management — September 2026 proposal ↗
Proposed; comments due Nov 16
Proposes tailored interagency guidance and replacement of existing guidance if finalized. Comments are due November 16, 2026; the proposal itself does not replace the current framework.
Read the analysis → - Source / action dateCongress · Pending bill
CLARITY Act — September Senate substitute ↗
Proposed legislation
September 14 proposed substitute EHF26724; not enacted law.
Read the analysis → - Source / action dateOCC / FDIC · Final rule
Unsafe or unsound practices — OCC/FDIC final rule ↗
Effective November 2, 2026
Final definitions and related supervisory standards; future effective date.
Read the analysis → - Source / action dateCongress · Pending bill
CFPB Accountability and Reform Act — H.R. 10184 ↗
Introduced legislation
Introduced text; compare with the subsequently adopted committee substitute.
Read the analysis → - Source / action dateFinCEN · Final rule
Beneficial ownership reporting — August 2026 final rule ↗
Effective August 14, 2026
Revises CTA reporting; distinct from a bank’s customer due-diligence obligations.
- Source / action dateCongress · Law
21st Century ROAD to Housing Act — Public Law 119-101 ↗
Enacted; dates vary by section
Housing, mortgage and bank-funding provisions; includes Keeping Deposits Local in section 902.
Read the analysis → - Source / action dateSupreme Court · Court decision
Trump v. Slaughter — Supreme Court opinion ↗
Decided June 29, 2026
FTC commissioner removal protection and presidential control of executive officials.
Read the analysis → - Source / action dateSupreme Court · Court decision
Trump v. Cook — Supreme Court opinion ↗
Stay denied June 29, 2026
Federal Reserve governor removal, statutory process and the limits of the stay ruling.
Read the analysis → - Source / action dateOCC · Guidance
Lending and loan portfolio risk management — OCC 2026-29 ↗
Updated examination guidance
Introduces the updated Comptroller’s Handbook booklet and identifies superseded materials. Use the linked booklet for portfolio oversight and lending-risk examination practices, alongside product-specific guidance.
- Source / action dateFinCEN · Guidance
Section 314(b) — updated fraud-sharing guidance ↗
Current agency guidance
Links to the June 12, 2026 fact sheet and current participation resources.
Read the analysis → - Source / action dateOCC / FDIC / Federal Reserve · Guidance
Reputation risk — interagency guidance revisions ↗
Updated guidance
Removes additional reputation-risk references from interagency documents.
Read the analysis → - Source / action dateCongress · Legislative record
Keeping Deposits Local — H.R. 3234 House-passed text ↗
Earlier bill; compare enacted law
Legislative history: its upper tier differs from enacted Public Law 119-101 section 902.
Read the analysis → - Source / action dateFederal Reserve · Proposed rule
Federal Reserve payment-account proposal ↗
Proposed
Separate limited-account proposal; does not expand statutory eligibility.
Read the analysis → - Source / action dateFFIEC · Proposed policy
CAMELS / UFIRS revisions proposal ↗
Proposed
Proposed changes to the Uniform Financial Institutions Rating System.
Read the analysis → - Source / action dateCFPB · Final rule
Section 1071 small-business lending — 2026 final rule ↗
Final; compliance Jan 1, 2028
Official implementation page links the May 1, 2026 final rule revising coverage, data collection and other provisions, with compliance extended to January 1, 2028. The CFPB notes that supporting implementation materials will be updated later.
- Source / action dateOCC / FDIC / Federal Reserve · Guidance
Model risk management — revised SR 26-2 guidance ↗
Current supervisory guidance
Replaces SR 11-7 and SR 21-8; emphasizes a tailored, risk-based approach.
Read the analysis → - Source / action dateFinCEN / OFAC · Proposed rule
GENIUS Act — AML and sanctions proposal ↗
Proposed
Treasury proposal for stablecoin issuer AML and sanctions compliance programs.
Read the analysis → - Source / action dateFederal Reserve · Proposed rule
FedNow intermediaries — Regulation J proposal ↗
Proposed
Would allow additional intermediaries in FedNow transfer chains.
Read the analysis → - Source / action dateFDIC · Proposed rule
GENIUS Act — FDIC requirements proposal ↗
Proposed
Proposed standards for FDIC-supervised permitted payment stablecoin issuers.
Read the analysis → - Source / action dateFinCEN · Proposed rule
AML program reform proposal ↗
Proposed
April proposal concerning risk-based financial-institution AML programs.
- Source / action dateOCC / FDIC · Final rule
Reputation risk — OCC/FDIC final rule ↗
Final rule issued
Separate OCC/FDIC action; does not establish finality of the Fed proposal.
Read the analysis → - Original deadline, stayedCFPB · Compliance date
Section 1033: original first compliance date — stayed ↗
Compliance dates stayed; not an operative deadline
The original first phase would have begun on this date. The CFPB’s compliance page reports that the court stayed the rule’s compliance dates on October 29, 2025. This row preserves the original schedule, not a current obligation.
Read the analysis → - Source / action dateWhite House · Executive order
Promoting Access to Mortgage Credit — EO 14393 ↗
Issued; agency action varies
Directs consideration of mortgage, capital, liquidity and process reforms.
Read the analysis → - Source / action dateOCC · Final rule
National bank chartering — OCC final clarification ↗
Effective April 1, 2026
Clarifies trust-company and related activities under Part 5.
Read the analysis → - Source / action dateOCC · Proposed rule
GENIUS Act — OCC proposed regulations ↗
Proposed
OCC proposal and links to implementing regulatory text.
Read the analysis → - Source / action dateFederal Reserve · Proposed rule
Reputation risk — Federal Reserve Part 262 proposal ↗
Proposed
Proposal to codify removal of reputation risk from Fed supervisory programs.
Read the analysis → - Source / action dateFDIC · Final rule
FDIC digital signs and ATM disclosures — 2026 final rule ↗
Effective; compliance Apr 1, 2027
Amends Part 328 requirements for digital deposit-taking channels, ATMs and related signs. Effective March 2, 2026, with an April 1, 2027 compliance date for these amendments; distinguish this timetable from other Part 328 obligations.
- Source / action dateCFPB · Official collection
Section 1033 — current compliance and litigation status ↗
Compliance dates stayed
CFPB status page notes the October 29, 2025 stay of compliance dates.
Read the analysis → - Source / action dateCFPB · Proposed rule
Section 1033 — reconsideration advance notice ↗
Advance notice
Reconsideration questions on representatives, fees, security and privacy.
Read the analysis → - Source / action dateNIST · Guidance
Digital identity — NIST SP 800-63-4 ↗
Final technical guidance
Final guidance on identity proofing, authentication and federation, replacing SP 800-63-3. Useful for evaluating assurance levels and vendor controls; it does not independently establish compliance with bank CIP requirements.
- Source / action dateCongress · Law
GENIUS Act — enacted stablecoin framework ↗
Enacted; implementation pending
Public Law 119-27. General effectiveness depends on the statutory timing trigger.
Read the analysis → - Effective date in final ruleCFPB · Effective date
Section 1033 final rule: original effective date ↗
Historical milestone; compliance dates subsequently stayed
The November 18, 2024 Federal Register rule specified January 17, 2025 as its effective date. This is distinct from phased compliance dates, which the court stayed on October 29, 2025.
Read the analysis → - Source / action dateCFPB · Rule text
Section 1033 — personal financial data rights rule text ↗
Compliance dates stayed
Open-banking provisions; read with the compliance-status page and pending reconsideration.
Read the analysis → - Source / action dateNIST · Guidance
NIST Generative AI Profile — AI 600-1 ↗
Voluntary framework
Generative-AI risk considerations and suggested actions.
- Source / action dateOCC / FDIC / Federal Reserve · Guidance
Third-party deposit arrangements — joint statement ↗
Supervisory statement
Responsibility, records and risks in bank-fintech deposit programs.
Read the analysis → - Source / action dateOCC / FDIC / Federal Reserve · Guidance
Community-bank third-party risk management guide ↗
Voluntary guide
Practical considerations for community-bank third-party relationships.
Read the analysis → - Source / action dateOCC / FDIC / Federal Reserve · Guidance
Interagency third-party relationship guidance ↗
Supervisory guidance
Planning, diligence, contracts, monitoring and termination; tailored to risk.
Read the analysis → - Source / action dateNIST · Guidance
NIST AI Risk Management Framework ↗
Voluntary framework
AI governance and risk-management framework; not a banking regulation.
- Source / action dateFTC · Guidance
Holder Rule — Attorney fees and costs opinion ↗
Commission interpretive opinion
The January 2022 opinion explains the rule’s relationship to independent state-law rights to attorney fees and costs; it is not a universal fee entitlement.
Read the analysis → - Source / action dateOCC · Guidance
OCC — Retail Lending handbook ↗
Current posted examination handbook
Retail lending strategy, underwriting, portfolio monitoring, collections and controls; useful context for roll rates and risk-adjusted pricing.
Read the analysis → - Source / action dateOCC · Guidance
OCC — Loan-purchase risk management ↗
Current posted guidance; amended March 2025
Credit analysis, documentation, monitoring and counterparty considerations for purchased loans and participations. The posted text removes reputation-risk references as of March 20, 2025.
Read the analysis → - Source / action dateOCC / FDIC / Federal Reserve / NCUA · Guidance
Independent credit risk review — SR 20-13 ↗
Supervisory guidance
Interagency guidance on independent, ongoing credit review and communication of portfolio performance to management and the board. Discusses tailoring review systems to the institution’s size, complexity and risk profile.
- Source / action dateTreasury / OFAC · Guidance
OFAC Framework for Compliance Commitments ↗
Agency framework
Sanctions risk assessment, internal controls, testing, training and management commitment.
- Source / action dateOCC / FFIEC · Guidance
Uniform Retail Credit Classification and Account Management Policy ↗
Current posted interagency policy
Retail classification and charge-off standards, re-aging criteria, and controls over extensions, deferrals, renewals and rewrites.
Read the analysis →