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The Executive Order issued on January 20, 2026, titled "Stopping Wall Street From Competing with Main Street Homebuyers," directs a coordinated federal response to limit the use of federally backed programs in facilitating the acquisition of single‑family homes by large institutional investors.

On March 24, acting FDIC Chairman Travis Hill informed Congress that the agency is preparing to eliminate the use of "reputation risk" as a basis for supervisory criticism.

Seven federal agencies have rescinded their 2022 guidance on Special Purpose Credit Programs under the Equal Credit Opportunity Act, stating that creditors can no longer rely on prior interpretations that encouraged such programs. The agencies emphasized that SPCPs must now strictly comply with ECOA, Regulation B, and the Fair Housing Act, marking a significant shift in federal fair-lending policy. This action follows related withdrawals by HUD and the CFPB, signaling a broader federal retreat from guidance

On July 13, the OCC, FDIC, and NCUA issued interagency guidance addressing lending to individuals who are not legally authorized to work in the United States. Issued pursuant to Executive Order 14406, the guidance reminds supervised financial institutions of existing credit risk management obligations and advises them to consider how employment authorization may affect a borrower’s ability to repay.

On July 23, the U.S. District Court for the Eastern District of Pennsylvania denied the Department of Justice's motion to terminate a consent order requiring a Pennsylvania bank to implement a five-year fair lending...

On March 28, the Federal Reserve, FDIC, and OCC jointly announced plans to rescind 2023 revisions to the Community Reinvestment Act (CRA) regulations.

On April 30, the Board of Governors of the Federal Reserve System released an Updated Statement of Supervisory Operating Principles for Federal Reserve supervisory staff.

On July 1, 2025, the U.S. Court of Appeals for the Fifth Circuit affirmed a district court's denial of a preliminary injunction sought by several short-term lenders...

In its first action under newly-appointed Director Rohit Chopra, the CFPB issued an enforcement action against a prison financial services company for violating the Consumer Financial Protection Act (CFPA)

On June 26, Florida enacted House Bill 175 and Senate Bill 1568, establishing a state licensing framework for payment stablecoin issuers and a voluntary pilot program for payments to the Department of Financial Services.

On September 10, the Florida Office of Financial Regulation (OFR) entered a final order adopting a stipulation and consent agreement with a consumer finance company...

On February 28, the FTC announced that the operators of an alleged credit card interest rate reduction scam will be permanently banned from the debt relief industry as part of court orders resolving charges by the FTC...

On October 27, the FTC announced a final rule amending the Standards for Safeguarding Customer Information, known as "the Safeguards Rule," under the Gramm-Leach-Bliley Act...

Google announced on May 11 that effective on July 13, 2016 it will ban all payday loan advertisements from its site.

Recently, the House of Representatives passed the SECURE Notarization Act of 2022 (H.R. 3962). The legislation that creates federal minimum standards to allow notaries in all states...

On June 16, Michael Hsu, the Acting Comptroller of the Currency gave remarks at the American Bankers Association's Risk and Compliance Conference about the risks of tokenization and AI on the banking industry.

On June 24, the Department of Housing and Urban Development (HUD) issued a Request for Information (RFI) to evaluate how Buy Now Pay Later (BNPL) loans may affect FHA-insured mortgage underwriting.

On June 12, the U.S. District Court for the Northern District of Illinois denied a motion to vacate a November 2024 stipulated final judgement and order requiring a Chicago-based mortgage broker to pay a $105,000 civil money penalty and adopt five-year compliance plan.