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.

Comment Deadline Sort ascending	Title	Agency	CSBS Policy/Staff Analysis	Comment Letter
06-18-2026 CSBS Did Not Comment	Regulatory Capital Rule (Regulation Q): Risk-Based Capital Surcharges for Global Systemically Important Bank Holding Companies; Systemic Risk Report (FR Y–15)	Federal Reserve Board	N/A	N/A
06-18-2026 Filed	Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets	OCC, Federal Reserve Board, FDIC	N/A	Regulatory Capital Rules: Expanded Risk-Based Approach & Standardized Approach Proposals
06-09-2026 Filed	Anti-Money Laundering and Countering the Financing of Terrorism Programs	FinCEN	N/A	Anti-Money Laundering and Countering the Financing of Terrorism Programs
06-09-2026 Filed	GENIUS Act Requirements and Standards for FDIC-Supervised Permitted Payment Stablecoin Issuers and Insured Depository Institutions	FDIC	N/A	GENIUS Act Implementation: Requirements for FDIC-Regulated Stablecoin Issuers and IDIs
06-09-2026 Filed	Permitted Payment Stablecoin Issuer Anti-Money Laundering/Countering the Financing of Terrorism Program and Sanctions Compliance Program Requirements	FinCEN	N/A	GENIUS Implementation: FinCEN OFAC Stablecoin Issuer
06-09-2026 Filed	Anti-Money Laundering and Countering the Financing of Terrorism Programs	OCC, FDIC	N/A	Anti-Money Laundering and Countering the Financing of Terrorism Programs
06-02-2026 Filed	GENIUS Act Broad-Based Principles for Determining Whether a State-Level Regulatory Regime Is Substantially Similar to the Federal Regulatory Framework	Treasury Department	N/A	GENIUS Act Implementation: Treasury Proposed Principles for State Regime Substantial Similarity
05-29-2026 Filed	Order Preempting the Illinois Interchange Fee Prohibition Act	OCC	N/A	OCC Preemption of the IFPA
05-29-2026 Filed	National Bank Non-Interest Charges and Fees	OCC	N/A	OCC IFR: National Bank Non-Interest Charges and Fees
05-18-2026 Filed	Approval Requirements for Issuance of Payment Stablecoins by Subsidiaries of FDIC-Supervised Insured Depository Institutions	FDIC	N/A	FDIC Payment Stablecoin Issuer Application Requirements