Regulation B — Equal Credit Opportunity Act
Credit decisions, fair lending, adverse action and record retention.
Current text
THE RULES BEHIND THE NEWS
84 official sourcesPolicy library
Official laws, rules and guidance for credit, banking and financial technology.
Reviewed September 27, 2026
84 of 84 sources
Foundations54
Core authorities and reference frameworks.
Regulation C — Home Mortgage Disclosure Act
Mortgage data collection, reporting and disclosure.
Current text
Regulation E — Electronic Fund Transfers
Consumer transfers, error resolution, unauthorized payments and remittances.
Current text
Regulation F — Fair Debt Collection Practices Act
Debt-collection communications, validation information and prohibited practices.
Current text
Regulation G — Mortgage loan originator registration
Federal registration requirements for covered residential mortgage loan originators.
Current text
Regulation H — SAFE Act state compliance
State mortgage licensing and registration framework.
Current text
Regulation M — Consumer Leasing
Consumer lease disclosures and advertising requirements.
Current text
Regulation P — Privacy of Consumer Financial Information
Privacy notices and limits on disclosure of nonpublic personal information.
Current text
Regulation V — Fair Credit Reporting Act
Consumer reporting, furnishing information, disputes and related obligations.
Current text
Regulation X — Real Estate Settlement Procedures Act
Mortgage settlement, servicing, escrow and loss-mitigation requirements.
Current text
Regulation Z — Truth in Lending Act
Consumer-credit disclosures, cards, mortgages and ability-to-repay provisions.
Current text
Regulation DD — Truth in Savings
Deposit-account disclosures, interest calculations and advertising.
Current text
Ability to repay and qualified mortgages — 12 CFR 1026.43
The mortgage ATR/QM provisions in Regulation Z.
Current text
UDAAP authority — 12 USC 5531
Federal authority concerning unfair, deceptive or abusive acts or practices.
Statutory text
Safety and soundness standards — 12 USC 1831p-1
Section 39 authority for operational and managerial standards and compliance plans.
Statutory text
Brokered and reciprocal deposits — 12 USC 1831f
Section 29 authority. The linked code edition may precede Public Law 119-101; use section 902 of that law for the enacted reciprocal-deposit formula.
Code text; check 2026 amendments
Servicemembers Civil Relief Act — interest limitation
Interest-rate protections for qualifying obligations incurred before military service.
Statutory text
Military Lending Act — 32 CFR Part 232
Consumer-credit protections for covered service members and dependents.
Current text
FTC Holder Rule — 16 CFR Part 433
Preservation of consumer claims and defenses in covered credit contracts.
Current text
FTC Safeguards Rule — 16 CFR Part 314
Information-security requirements for financial institutions within FTC jurisdiction.
Current text
Fair Housing Act regulations — 24 CFR Part 100
Discriminatory housing practices, including relevant residential lending provisions.
Current text
OCC licensing and chartering — 12 CFR Part 5
Applications, notices and corporate activities for OCC-supervised institutions.
Current text
OCC safety and soundness — 12 CFR Part 30
Standards, compliance-plan procedures and appendices.
Current text
FDIC safety and soundness — 12 CFR Part 364
Safety-and-soundness standards for covered FDIC-supervised institutions.
Current text
OCC capital rules — 12 CFR Part 3
Regulatory capital and risk-weighted asset requirements.
Current text
Federal Reserve capital rules — Regulation Q
Capital adequacy requirements for covered Federal Reserve-regulated organizations.
Current text
FDIC capital rules — 12 CFR Part 324
Capital requirements for covered FDIC-supervised institutions.
Current text
Regulation O — Insider lending
Loans to executive officers, directors and principal shareholders.
Current text
Regulation W — Transactions with affiliates
Restrictions and requirements governing covered affiliate transactions.
Current text
Current text
Regulation CC — Funds availability and check collection
Availability, collection and return of checks and related disclosures.
Current text
Regulation J — Federal Reserve payment services
Check collection, Fedwire funds transfers and FedNow transfers.
Current text
Deposit insurance coverage — 12 CFR Part 330
Ownership categories, aggregation and deposit-insurance coverage rules.
Current text
FDIC signs and insured-status representations — Part 328
Official signs, advertising and representations about deposit insurance.
Current text
Bank computer-security incident notification — Part 53
OCC notification requirements for covered incidents and bank service providers.
Current text
Bank Secrecy Act general rules — 31 CFR Part 1010
General definitions, reporting, records and information-sharing requirements.
Current text
Bank Secrecy Act rules for banks — Part 1020
Bank-specific AML, customer identification, reporting and recordkeeping rules.
Current text
Customer due diligence — 31 CFR 1010.230
Beneficial-owner identification and verification requirements for covered institutions.
Current text
Section 314(b) — 31 CFR 1010.540
Voluntary information sharing, eligibility, notice and safe-harbor conditions.
Current text
Bank suspicious activity reports — 31 CFR 1020.320
Bank SAR obligations, timing, records and confidentiality.
Current text
OFAC reporting and enforcement — 31 CFR Part 501
Sanctions-related reporting, procedures and enforcement guidelines.
Current text
TCPA calling and texting rules — 47 CFR 64.1200
Restrictions on telemarketing, calls and texts; check the operative provisions and dates.
Current text
Credit risk retention — 12 CFR Part 244
Regulation RR requirements for asset-backed securitizations.
Current text
Interagency third-party relationship guidance
Planning, diligence, contracts, monitoring and termination; tailored to risk.
Supervisory guidance
Community-bank third-party risk management guide
Practical considerations for community-bank third-party relationships.
Voluntary guide
Third-party deposit arrangements — joint statement
Responsibility, records and risks in bank-fintech deposit programs.
Supervisory statement
OFAC Framework for Compliance Commitments
Sanctions risk assessment, internal controls, testing, training and management commitment.
Agency framework
Section 314(a) information-sharing resources
Law-enforcement requests and the separate mandatory information-sharing process.
Agency resource
Understanding deposit insurance
Coverage basics and ownership-category rules; complements the regulatory text.
Agency explanation
NIST AI Risk Management Framework
AI governance and risk-management framework; not a banking regulation.
Voluntary framework
NIST Generative AI Profile — AI 600-1
Generative-AI risk considerations and suggested actions.
Voluntary framework
Utah Financial Institutions Act — Title 7
Utah banking, financial-institution and related charter authorities.
State statutory text
Utah Consumer Credit Code — Title 70C
Utah consumer-credit requirements and applicable exemptions.
State statutory text
Utah DFI financial-institution laws and rules
State-regulator entry point to financial-institution law and administrative rules.
Agency resource
Recent developments30
Recent laws, rulemaking, guidance and court decisions. Newest first.
GENIUS Act — Federal Reserve implementation proposals
September proposals covering substantive requirements and application procedures.
Proposed
CFPB reform — adopted committee substitute
BARR_154 substitute adopted September 16; proposed changes are not current law.
Committee-approved substitute
CLARITY Act — September 15 Senate action
Official floor record of the unsuccessful cloture vote on proceeding.
Procedural record
CLARITY Act — September Senate substitute
September 14 proposed substitute EHF26724; not enacted law.
Proposed legislation
Unsafe or unsound practices — OCC/FDIC final rule
Final definitions and related supervisory standards; future effective date.
Effective November 2, 2026
CFPB Accountability and Reform Act — H.R. 10184
Introduced text; compare with the subsequently adopted committee substitute.
Introduced legislation
Beneficial ownership reporting — August 2026 final rule
Revises CTA reporting; distinct from a bank’s customer due-diligence obligations.
Effective August 14, 2026
21st Century ROAD to Housing Act — Public Law 119-101
Housing, mortgage and bank-funding provisions; includes Keeping Deposits Local in section 902.
Enacted; dates vary by section
Trump v. Slaughter — Supreme Court opinion
FTC commissioner removal protection and presidential control of executive officials.
Decided June 29, 2026
Trump v. Cook — Supreme Court opinion
Federal Reserve governor removal, statutory process and the limits of the stay ruling.
Stay denied June 29, 2026
Section 314(b) — updated fraud-sharing guidance
Links to the June 12, 2026 fact sheet and current participation resources.
Current agency guidance
Reputation risk — interagency guidance revisions
Removes additional reputation-risk references from interagency documents.
Updated guidance
Keeping Deposits Local — H.R. 3234 House-passed text
Legislative history: its upper tier differs from enacted Public Law 119-101 section 902.
Earlier bill; compare enacted law
Federal Reserve payment-account proposal
Separate limited-account proposal; does not expand statutory eligibility.
Proposed
CAMELS / UFIRS revisions proposal
Proposed changes to the Uniform Financial Institutions Rating System.
Proposed
Model risk management — revised SR 26-2 guidance
Replaces SR 11-7 and SR 21-8; emphasizes a tailored, risk-based approach.
Current supervisory guidance
GENIUS Act — AML and sanctions proposal
Treasury proposal for stablecoin issuer AML and sanctions compliance programs.
Proposed
FedNow intermediaries — Regulation J proposal
Would allow additional intermediaries in FedNow transfer chains.
Proposed
GENIUS Act — FDIC requirements proposal
Proposed standards for FDIC-supervised permitted payment stablecoin issuers.
Proposed
AML program reform proposal
April proposal concerning risk-based financial-institution AML programs.
Proposed
Reputation risk — OCC/FDIC final rule
Separate OCC/FDIC action; does not establish finality of the Fed proposal.
Final rule issued
Basel III Endgame and related capital proposals
Official release linking the March capital package, including standardized and G-SIB proposals.
Proposed
Promoting Access to Mortgage Credit — EO 14393
Directs consideration of mortgage, capital, liquidity and process reforms.
Issued; agency action varies
National bank chartering — OCC final clarification
Clarifies trust-company and related activities under Part 5.
Effective April 1, 2026
GENIUS Act — OCC proposed regulations
OCC proposal and links to implementing regulatory text.
Proposed
Reputation risk — Federal Reserve Part 262 proposal
Proposal to codify removal of reputation risk from Fed supervisory programs.
Proposed
Section 1033 — current compliance and litigation status
CFPB status page notes the October 29, 2025 stay of compliance dates.
Compliance dates stayed
Section 1033 — reconsideration advance notice
Reconsideration questions on representatives, fees, security and privacy.
Advance notice
GENIUS Act — enacted stablecoin framework
Public Law 119-27. General effectiveness depends on the statutory timing trigger.
Enacted; implementation pending
Section 1033 — personal financial data rights rule text
Open-banking provisions; read with the compliance-status page and pending reconsideration.
Compliance dates stayed