OCC And FDIC Overhaul Bank Supervision, MRAs, And Enforcement Framework

On August 27, 2026, the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) (together, the Agencies) issued a final rule (the Final Rule) adopting a regulatory definition for the term “unsafe or unsound practice” and revising the supervisory framework for issuing matters requiring attention (MRAs), as part of the Agencies’ more comprehensive efforts to focus supervisory and institution attention on material financial risks. On the same date, the OCC issued a notice of proposed rulemaking (the MRA Rule) to establish regulatory standards for the types of legal violations that can support an MRA. The OCC also issued a substantially revised edition of its policies and procedures manual governing bank enforcement actions (the Enforcement Manual), and made public its previously unreleased manual governing the use of MRAs (the MRA Manual).