Banking and Finance Law Daily Wrap Up, REGULATION TRACKER—Upcoming comment deadlines and effective dates, (May 4, 2026)
Organizations Mentioned:Consumer Financial Protection Bureau | Office of the Comptroller of the Currency
By WK Editorial Staff
Comment deadlines and effective dates for regulatory activity issued by the federal financial institution agencies.
The Banking and Finance Law Daily Regulation Tracker includes a Proposed Rules Comment Calendar and a table of Final Rule Effective Dates. Recent activity includes the following:
The Office of the Comptroller of the Currency, Federal Reserve Board, and Federal Deposit Insurance Corporation have formally published, in the Federal Register, a final rule that lowers the community bank leverage ratio requirement from 9 percent to 8 percent, consistent with the lower bound provided in Section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
The OCC has also formally published, in the Federal Register, an interim final rule amending its regulation on national bank non-interest charges and fees, codified at 12 C.F.R. §7.4002. Among other things, the interim final rule clarifies national banks’ power to charge non-interest fees and charges, including interchange fees from payment card activity, regardless of whether those fees are set by the bank or a third party.
Finally, the Consumer Financial Protection Bureau has revised certain provisions of Regulation B, subpart B, which implements changes to the Equal Credit Opportunity Act made by Section 1071 of the Dodd-Frank Act. The CFPB is amending coverage of certain credit transactions and financial institutions; the small business definition; inclusion of certain data points and how others are collected; and the compliance date. The Bureau believes these changes will streamline the rule, reduce complexity for lenders, improve data quality, and advance the purposes of Section 1071.
See the Regulation Tracker for details.
RegulatoryActivity: BankingOperations CapitalBaselAccords CFPB ConsumerCredit CreditDebitGiftCards EqualCreditOpportunity FinancialStability InterestUsury Loans PrudentialRegulation