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Federal Reserve · Enforcement · · Gering
Federal Reserve Board announces termination of enforcement action with Allegiant United Holdings, LLC, Nano Financial Holdings, Inc., and Nano Banc
The Federal Reserve Board announced the termination of a Written Agreement dated February 24, 2021 with Allegiant United Holdings, LLC, Nano Financial Holdings, Inc., and Nano Banc, all based in Irvine, California. The termination took effect on October 21, 2026, according to the publication.
Daten im Text: 2026-10-21 Written Agreement with Allegiant United Holdings, LLC, Nano Financial Holdings, Inc., and Nano Banc terminated
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Check whether the entities concerned are relevant to your institution's counterparty or group relationships before taking any action.
Review the terminated Written Agreement (linked PDF in the source) if your institution needs to understand the former supervisory requirements.
Federal Reserve Board announces termination of enforcement actions with Gardner Bancshares, Inc. and Small Business Bank
The Federal Reserve Board announced on 2026-10-16 that it terminated three enforcement actions against Gardner Bancshares, Inc. and Small Business Bank, both of Lenexa, Kansas. The terminated actions are a cease and desist order dated September 1, 2023 (Gardner Bancshares and Small Business Bank), a cease and desist order dated November 13, 2024, and a prompt corrective action dated June 29, 2026 (both Small Business Bank), all terminated on October 13, 2026.
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Check whether the Gardner Bancshares and Small Business Bank enforcement actions listed in the release are relevant to your counterparty or supervisory records.
Review internal records to confirm the termination status of any related orders.
The Federal Reserve's SR 26-8 updates the criteria for state member banks and U.S. branches and agencies of foreign banks to qualify for an 18-month examination cycle instead of 12 months. The change follows an interim final rule amending Regulation H and Regulation K, raising the total asset threshold from $3 billion to $6 billion, and it applies to supervised state member banks and U.S. branches and agencies of foreign banks.
Daten im Text: 2026-09-14 Interim final rule amending Regulation H and Regulation K raising the 18-month examination cycle asset threshold to less than $6 billion took effect.
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Check whether the institution's total assets fall below $6 billion and whether it meets the other eligibility criteria for the 18-month examination cycle.
Review the CAMELS or ROCA ratings, capital position, and enforcement status against the listed eligibility conditions.
Confirm whether any change of control in the preceding 12 months would affect eligibility.
Federal Reserve Board announces enforcement action against American Express Company to address, among other things, the firm’s failure to sufficiently detect and report certain suspicious activity related to money laundering
The US Federal Reserve Board announced an enforcement action against American Express Company concerning, among other things, failures to sufficiently detect and report certain suspicious activity related to money laundering. The Board also identified significant deficiencies in the implementation of the firm's enterprise-wide anti-money laundering program, particularly at its subsidiary national bank, which is separately subject to an action by the Office of the Comptroller of the Currency.
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Check whether the suspicious activity detection and reporting controls are sufficient for the institution's risk profile.
Review the implementation of the enterprise-wide anti-money laundering program across subsidiaries.
SR 26-7 is a Federal Reserve supervision letter transmitting a joint statement by the Federal Reserve, FDIC and OCC on community banks' engagement with core service providers. It describes factors the agencies will consider in supervisory allocation decisions for core providers serving community banking organizations, and notes that supervisory and enforcement actions may be initiated under statutory authority. The guidance generally applies to the Federal Reserve's supervision of core technology service providers that support community banking organizations.
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Check whether your institution's core service provider arrangements are covered by the joint statement's factors.
Review the attached joint statement to understand the agencies' stated supervisory considerations for core providers.
Federal Reserve Board announces it will extend, until November 4, the comment period on its proposal to modernize Regulation O
The Federal Reserve Board extended the comment period on its proposal to modernize Regulation O, the rule governing bank extensions of credit to insiders such as executives, board members and major shareholders. The extension gives interested parties more time to analyze the issues and prepare comments.
Daten im Text: 2026-11-04 Extended deadline for comments on the Regulation O modernization proposal
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Check whether the institution's insider lending policies and procedures are affected by the Regulation O proposal.
Review the Federal Register notice and consider whether to submit comments by the extended deadline.
Federal Reserve Board issues enforcement action with Ontario Bancorporation, Inc.
The Federal Reserve Board announced an enforcement action against Ontario Bancorporation, Inc., a bank holding company based in Ontario, Wisconsin, through a Written Agreement dated September 24, 2026. The publication is a short press release with a PDF attachment that contains the agreement's terms, which are not reproduced in the text provided.
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Review the attached Written Agreement to confirm its terms if relevant to your institution or counterparties.
Check whether any counterparty exposure to Ontario Bancorporation, Inc. requires review in light of the published enforcement action.
Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements
The Federal Reserve Board finalized two rules changing its supervisory stress test: one on transparency and public input on scenarios and models, including a revised global market shock component, and one averaging stress capital buffer requirements over two years starting in 2028. The changes concern large banks subject to the stress test, and the Board also requested comment on a proposed revision to its noninterest income model.
Daten im Text: 2028-01-01 Board begins averaging stress capital buffer requirements (text says 'in 2028'; exact day not stated) · 2026-11-29 Comment deadline on noninterest income model proposal: 60 days after Federal Register publication (estimate, publication date not given in text)
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Check whether the institution is subject to the supervisory stress test and to the global market shock component for large trading books.
Review the expected effect of the stress capital buffer averaging from 2028 on capital planning.
Consider submitting comments on the noninterest income model proposal via the Federal Register notice before the comment deadline.
Agencies publish resolution plan feedback letters for 15 banking organizations
The FDIC and the Federal Reserve Board published feedback letters on resolution plans submitted in October 2025 by 15 banking organizations with over $250 billion in assets. The agencies report no shortcomings or deficiencies in these submissions and state that a shortcoming identified in BNP Paribas's 2021 resolution plan has been satisfactorily addressed.
Federal Reserve Board requests public comment on two proposals related to establishing a regulatory framework for Board-supervised payment stablecoin issuers under the GENIUS Act
The Federal Reserve Board requested public comment on two proposals implementing a regulatory framework for Board-supervised payment stablecoin issuers under the GENIUS Act. The first proposal covers full reserve backing with permissible assets, standardized capital and risk management requirements, rules for firms that safekeep reserve assets, and clarification of stablecoin-related activities permissible for Board-supervised banks. The second proposal sets a tailored application process for Board-supervised banks seeking to issue payment stablecoins, including business plan and financial information requirements and procedures for appeals, hearings and final determinations.
Daten im Text: 2026-09-24 Publication date of the press release; comment period closes 60 days after Federal Register publication (exact date not stated in the text).
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Check whether your institution is a Board-supervised bank that could apply to issue payment stablecoins under the proposed application process.
Review the proposed reserve, capital and risk management requirements against current stablecoin-related activities, if any.
Consider whether the proposed rules for firms safekeeping reserve assets apply to your activities.
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