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The SEC and CFTC signed a landmark memorandum of understanding on regulatory harmonization in March 2026, potentially affecting bank-fintech partnerships involving digital assets.

On April 17, 2026, the OCC, Federal Reserve, and FDIC issued revised interagency guidance on model risk management. The guidance addresses sound principles for model development, validation, monitorin...

The FDIC and OCC adopted a joint final rule prohibiting the agencies from taking adverse action against financial institutions based on reputation risk, including risk stemming from customers' politic...

FinCEN, the FDIC, OCC, and NCUA jointly proposed a major overhaul of AML/CFT regulations, modernizing the framework for the first time since the 1970s Bank Secrecy Act. The proposal introduces a risk-...

On July 13, 2026, UK regulators (Bank of England, FCA, and PRA) began formal oversight of critical third parties to the financial sector, including Microsoft, Google, Amazon, and Oracle as designated ...

India's NPCI imposed new UPI compliance rules effective August 1, 2025, under which payment service providers face penalties, API restrictions, or suspension of new customer onboarding for non-complia...

The OCC, FDIC, and Federal Reserve issued a Request for Information seeking public comments on risks in bank-fintech arrangements, including accountability gaps, end-user confusion, rapid growth, conc...

The FDIC published a speech or update on reforms to its regulatory toolkit, potentially addressing BaaS and third-party risk management supervisory approaches.

The OCC, FDIC, and Federal Reserve jointly issued proposed interagency guidance on managing risks in third-party relationships, including fintech partnerships. The guidance emphasized enhanced due dil...

FinCEN issued guidance in December 2020 encouraging broader use of Section 314(b) voluntary information sharing among financial institutions for AML/CTF purposes. The guidance emphasized legal protect...

FinCEN published AML/CFT national priorities for financial institutions, including fintechs partnering with banks, requiring institutions to tailor their AML compliance programs to identified threats....

The FCA published strengthened safeguarding rules (PS25/12) effective August 2025 for authorised EMIs, payment institutions, and small EMIs to protect client funds in the event of firm failure. Interi...

The SEC proposed 'Regulation Crypto Assets,' a new rulemaking that would establish a registration framework for crypto asset offerings. The proposal could affect banks and fintech firms involved in cr...

The FDIC finalized a new brokered deposits rule on December 15, 2020, that excluded certain fintech-bank arrangements from brokered deposit restrictions. The rule was supportive of BaaS partnerships r...

U.S. banking agencies issued guidance on handling highly sensitive information during bank examinations, including requirements for on-site review and 72-hour breach notification for confidential supe...

The Federal Reserve published a guide in August 2021 for community banks on conducting due diligence for fintech third-party relationships. The guide covers legal compliance, risk management processes...

The OCC, Federal Reserve, and FDIC jointly issued a statement on July 25, 2024, highlighting risks in third-party arrangements for bank deposit products and services. The statement emphasizes that ban...

EU AI Act transparency obligations (Article 50) and the European Commission's enforcement powers over general-purpose AI providers became effective on August 2, 2026. The AI Office can impose fines up...

The FDIC, OCC, and NCUA issued joint guidance on safety and soundness obligations when lending to individuals not legally authorized to work in the U.S., as noted in a July 23, 2026 legal update.

The FFIEC issued updated authentication guidance for internet-based financial services on August 11, 2021. The guidance emphasizes risk assessments, layered security including multi-factor authenticat...