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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-...

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...

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...

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 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...

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...

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 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...

The Bank of Lithuania issued guidance in 2025 preparing EMIs and PIs for the REGATA reporting transition (Q1 2026) and MiCAR crypto-asset reporting requirements, including new safeguarding reports due...

OCC, FDIC, Federal Reserve, NCUA, and FinCEN issued an order allowing banks and credit unions to collect Taxpayer Identification Numbers (TINs/SSNs) from third-party sources such as credit reporting a...

BCB Resolution 589 requires all PIX participants to implement self-service MED (fraud recovery) functionality in their apps by October 2025, with MED 2.0 planned for February 2026 enabling tracing and...

Hong Kong's HKMA stablecoin licensing framework took effect August 1, 2025, requiring fiat-referenced stablecoin issuers to obtain a license by October 31, 2025 or face a mandatory closing-down period...