90 Day Regulatory Outlook

Prepare for pending regulatory changes, including actionable insights for your organization!

Published monthly, BAI’s 90-Day Regulatory Outlook helps you plan for the compliance landscape in the upcoming fiscal quarter. Receive insights from BAI’s compliance experts on which policies and training courses of yours will be impacted by the most recent and relevant regulatory changes, including:

  • Summaries of new regulatory announcements
  • Key dates for the upcoming 90 days
  • Details on which policies and courses are likely impacted
  • Action items for your institution to be ready
  • Publication dates for BAI policy changes and BAI course updates

Past Highlights

Past Issues

Federal Reserve Invites Comment on Proposed Principles for High-level Framework for the Safe and Sound Management of Exposures to Climate-Related Financial Risks for Large Banking Organizations. The proposed principles would apply to banking organizations with more than $100 billion in
total assets and address both the physical risks and transition risks associated with climate
change… Read more.

FinCEN Issues Final Rule for Beneficial Ownership. Today, the U.S. Treasury’s Financial Crimes Enforcement Network (FinCEN) took a historic step in support of U.S. government efforts to crack down on illicit finance and enhance transparency by issuing a final rule establishing a beneficial ownership information reporting requirement, pursuant to the bipartisan Corporate Transparency Act (CTA)… Read more.

Federal Reserve Invites Comment on Guidance on Commercial Real Estate Loans. The Federal Reserve Board on Tuesday announced that it has invited comment on updates to its existing guidance on commercial real estate loan accommodations for borrowers… Read more.

Federal Reserve Finalizes Supervisory Framework for Insurance Organizations. The supervisory framework applies supervisory guidance and resources based on a supervised insurance organization’s risk… Read more.

COVID-Related Relief from Certain Nacha Operating Rule Provisions Will Expire. In 2020, Nacha provided relief from certain provisions of the Nacha Operating Rules due to impacts of the Coronavirus pandemic…Read more.

FHA Expands Mortgage Eligibility for Borrowers Previously Affected by COVID-19. The Federal Housing Administration (FHA) announced on Thursday new flexibility for lenders when qualifying borrowers who experienced previous employment gaps or loss of income due to the COVID-19 pandemic…Read more.

Agencies Issue Proposal to Strengthen and Modernize CRA Regulations. Federal bank regulatory agencies today jointly issued a proposal to strengthen and modernize regulations implementing the Community Reinvestment Act (CRA) to better achieve the purposes of the law… Read more.

Agencies Propose to Update and Modernize the Uniform Rules of Practice and Procedure for Formal Administrative Enforcement Proceedings. The Federal Deposit Insurance Corporation (FDIC) invites comment on an interagency proposal to update the rules governing formal administrative proceedings for insured depository institutions… Read more.

CFPB Invokes Dormant Authority to Examine Nonbank Companies Posing Risks to Consumers. The Consumer Financial Protection Bureau (CFPB) announced that it is invoking a largely unused legal provision to examine nonbank financial companies that pose risks to consumers… Read more.

Agencies Approve Final Rule Requiring Computer-Security Incident Notification. Federal bank regulatory agencies today announced the approval of a final rule to improve the sharing of information about cyber incidents that may affect the U.S. banking system… Read more. 

FinCEN Provides Financial Institutions with Red Flags on Potential Russian Sanctions Evasion Attempts. The Financial Crimes Enforcement Network (FinCEN) today issued a FinCEN Alert, advising all financial institutions to be vigilant against potential efforts to evade the expansive sanctions and other U.S.-imposed restrictions implemented in connection with the Russian Federation’s further invasion of Ukraine… Read more.