Regulatory Proposals

CSBS tracks and responds to federal regulatory proposals that impact state-chartered financial institutions. The table below includes information about proposed regulations and standards and the corresponding CSBS analysis and comment letters.

Filter Proposals
Comment Deadline Title Agency CSBS Policy/Staff Analysis Comment Letter
05-18-2026
Pending 		Approval Requirements for Issuance of Payment Stablecoins by Subsidiaries of FDIC-Supervised Insured Depository Institutions FDIC N/A N/A
02-11-2026
Filed 		National Bank Chartering OCC National Bank Chartering Extension Request N/A
02-06-2026
Filed 		Reserve Bank Payment Account Prototype Federal Reserve Board N/A Reserve Bank Payment Account Prototype
01-30-2026
Filed 		Revisions to the Community Bank Leverage Ratio OCC, Federal Reserve Board, FDIC N/A Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework
01-29-2026
Filed 		Preemption Determination: State Interest-on-Escrow Laws OCC AARMR/CSBS/NCSL State Interest-on-Escrow Laws Extension Request OCC Preemption Determination: State Interest-on-Escrow Laws and Real Estate Lending Escrow Accounts
12-29-2025
CSBS Did Not Comment 		Prohibition of Use of Reputation Risk by Regulators FDIC, OCC N/A N/A
12-29-2025
Filed 		Unsafe or Unsound Practices, MRAs FDIC, OCC Unsafe or Unsound Practices, MRAs Definition Chart Unsafe or Unsound Practices, MRAs
12-23-2025
CSBS Did Not Comment 		Truth in Lending (Regulation Z); Non-application to Earned Wage Access Products CFPB N/A N/A
10-20-2025
Filed 		GENIUS Act Implementation Treasury Department GENIUS Act Implementation Extension Request Genius Act Implementation
09-26-2025
Filed 		Adjusting and Indexing Certain Regulatory Thresholds FDIC Adjusting and Indexing Certain Regulatory Thresholds Summary & Analysis Adjusting and Indexing Certain Regulatory Thresholds