Compliance Update — Insights And Highlights September 2026

Recap From the Tennessee Bankers Association Compliance Conference Regulator Panel

The Tennessee Bankers Association (TBA) recently held its annual Compliance Conference, and a highlight of the conference was a regulator panel that included representatives from the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the Federal Reserve, and the Tennessee Department of Banking.

When panel participants were asked what the most common exam violation was, the common response was flood insurance compliance. The examiners went on to note that all examinations will now be risk-focused, but flood will always be included.

Much of the conversation related to the topic of how to develop and maintain a strong compliance management system (CMS). It was recommended that first and foremost there be strong board and management oversight, taking a proactive approach in times of change. A proactive approach means conducting ongoing monitoring and correction of