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Authorization for National Flood Insurance Program Expires (But is Subsequently Reauthorized)
Authorization for the NFIP briefly expired during the recent partial government shutdown, with its funding expiring at 11:59 p.m. ET on January 30, 2026. Subsequently, on February 3, 2026, the NFIP was reauthorized until September 30, 2026. During the period of lapse, FEMA stops selling and renewing NFIP flood insurance policies until such time as the program is reauthorized.
FDIC Publishes Final Rule Revising Its New Digital FDIC Signage Requirements
By way of background, in December 2023, the FDIC adopted a final rule which, among other things, amended the FDIC’s official signage and advertising statement requirements for insured depository institutions (IDIs). 89 FR 3504. The final rule became effective on April 1, 2024, and initially required full compliance by January 1, 2025. Subsequently, the FDIC delayed the compliance date for the amendments in subpart A of 12 CFR 328 to May 1, 2025.
New Law Changes in Commercial Eviction (Unlawful Detainer) Timeframes
On October 3, 2025, Assembly Bill “” 1384 (“AB 1384”) titled “Summary Proceedings for Obtaining Possession of Real Property: Procedural Requirements” was signed into law, which amended procedural requirements for eviction (often referred to as unlawful detainer) actions involving commercial tenants.
NCUA 2026 Supervisory Priorities
On January 14, 2026, the NCUA issued a letter titled “NCUA’s 2026 Supervisory Priorities,” which is meant to support a tailored examination program by reducing burden for both federally insured credit unions and NCUA staff. Consistent with the agency’s no regulation-by-enforcement policy, its 2026 supervisory priorities are designed to help credit unions plan effectively for the coming year. NCUA 26-CU-01.
OCC Issues Proposed Rule to Revise Charter Requirements for National Trust Banks
The OCC is the federal agency that charters national banks and federal savings associations. Under the OCC’s chartering authority, a national bank may be chartered as a special purpose bank whose operations are limited to those of a trust company (commonly referred to as “national trust banks”). According to the OCC, the majority of national trust banks are uninsured, as few hold deposits which are insured by the FDIC.
Table of Contents
CONSUMER FINANCE
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Authorization for National Flood Insurance Program Expires (But is Subsequently Reauthorized)
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CFPB and DOJ Withdraw Joint Statement on ECOA and Noncitizen Borrowers
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HUD Proposes to Remove Disparate Impact Regulations
BANKING OPERATIONS & FINTECH
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FDIC Publishes Final Rule Revising Its New Digital FDIC Signage Requirements
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Large Banks Report Recent Significant Increase in Overdraft Fee Revenue
COMMERCIAL LENDING
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New Law Changes in Commercial Eviction (Unlawful Detainer) Timeframes
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SBA Updates Citizens and Immigration Requirements Again
CREDIT UNIONS
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NCUA 2026 Supervisory Priorities
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NCUA Announces Two More Rounds of Deregulation Proposals
CORPORATE GOVERNANCE
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OCC Issues Proposed Rule to Revise Charter Requirements for National Trust Banks
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FDIC Board Approves Creation of Independent Office of Supervisory Appeals
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