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CFPB launches 2025 HMDA database platform
On January 1, the CFPB launched its HMDA data platform webpage, enabling financial institutions to upload their loan/application registers, review edits, certify their data, and submit their 2025 HMDA data....By: Orrick, Herrington & Sutcliffe LLP
Fed seeks public input on new ‘payment account’ prototype
On December 19, the Fed announced it had issued an RFI in the Federal Register seeking public input on a proposed “payment account” prototype. This account would be designed for eligible financial institutions to use solely for clearing and settling payments....By: Orrick, Herrington & Sutcliffe LLP
Weekly Blockchain Monitor - January 2026
Stablecoin Products Launch by US Financial Institutions and Crypto Companies - On Dec. 18, SoFi Technologies Inc. announced the launch of SoFiUSD, “a fully reserved U.S. dollar stablecoin issued by SoFi Bank, N.A.”...By: BakerHostetler
November 2025 – December 2025: Regulatory Round-Up
November and December 2025 witnessed an active period in the UK and European regulatory landscape, marked by significant regulatory developments in and affecting financial services. This alert highlights certain regulatory developments relevant to asset managers....By: Akin Gump Strauss Hauer & Feld LLP
Lindsay Goldberg Closes New Fund With $4.9 Billion
Lindsay Goldberg announced the closing of its sixth fund. The fund, Lindsay Goldberg VI, closed with $4.9 billion, surpassing its target of $4.0 billion....By: McGuireWoods LLP
New York AG Targets Monterey Finance Over Deceptive Lease-to-Own Financing
On December 23, 2025, the New York Attorney General (AG) announced a settlement with Monterey Finance (Monterey) of approximately $2.4 million in debt relief for 835 New York consumers and $175,000 in penalties. The AG alleged that Monterey disguised high-cost lease agreements as traditional consumer financing, causing consumers to pay more than the sticker price for goods and services they believed they were purchasing....By: Troutman Pepper Locke
BaFin's Expectations for ICT Risk Management and the Use of AI
The German Financial Supervisory Authority ("BaFin") has issued non-binding guidance ("Guidance") clarifying how financial institutions should manage Information and Communication Technology ("ICT") risks arising from Artificial Intelligence ("AI")-based systems in financial institutions under Regulation (EU) 2022/2554 ("DORA") and related EU regulations....By: Jones Day
[Video] 31 Days to a More Effective Compliance Program: Day 12 - The Importance and Construction of a Corporate Code of Conduct
Welcome to 31 Days to a More Effective Compliance Program. Over this 31-day series in January 2026, Tom Fox will post a key component of a best-practice compliance program each day. By the end of January, you will have enough information to create, design, or enhance a compliance program. Each podcast will be short, at 6-8 minutes, with three key takeaways that you can implement at little or no cost to help update your compliance program. I hope you will join each day in January for this...By: Thomas Fox - Compliance Evangelist
CFPB and DOJ Withdraw Joint Statement On Consideration Of Immigration Status Under ECOA
As previously reported, in October 2023 the CFPB and DOJ issued a joint statement regarding “the potential civil rights implications of a creditor’s consideration of an individual’s immigration status under the Equal Credit Opportunity Act (ECOA).” We were critical of the joint statement, and observed that......By: Ballard Spahr LLP
CFPB Complies with Court’s Funding Order in NTEU v. Vought
On January 9, the defendants in National Treasury Employees Union (NTEU) v. Vought filed a notice and exhibit in the U.S. District Court for the District of Columbia confirming that the Acting Director of the Consumer Financial Protection Bureau (CFPB or Bureau) has now requested funding from the Federal Reserve Board (Federal Reserve), as required by Judge Amy Berman Jackson’s December 30, 2025 order....By: Troutman Pepper Locke
Your Biggest Competitor Isn’t Another Provider — It’s Indifference
Most plan providers are prepared for competition. They know how to differentiate fee schedules, demonstrate technology, and present fiduciary solutions. They refine their pitch decks and rehearse the perfect value statement. But the truth is, in this industry, your biggest competitor usually isn’t another provider — it’s indifference....By: Ary Rosenbaum - The Rosenbaum Law Firm P.C.
FCA Finalises Simplified UK Ancillary Activities Test
On 19 December 2025, the Financial Conduct Authority (FCA) published a policy statement (PS25/24) finalising the rules and guidance for the Ancillary Activities Test (AAT) under the Ancillary Activities Exemption (AAE)....By: Katten Muchin Rosenman LLP
OCC and FDIC clarify insider lending rules for banks and investment funds
On December 18, the OCC and FDIC issued a statement clarifying their supervisory expectations for banks regarding insider lending restrictions and related reporting requirements as they pertain to certain investment funds and their portfolio companies....By: Orrick, Herrington & Sutcliffe LLP
New SEC Guidance Provides Regulatory Pathway for DTC Securities Tokenization Services
The SEC staff issued a no-action letter on December 11, 2025 to the Depository Trust Company (DTC), a subsidiary of the Depository Trust & Clearing Corporation (DTCC) granting relief under certain provisions of the federal securities laws for a three-year period to permit DTC to offer a tokenization service with respect to certain DTC custodied assets (DTCC Tokenization Services)....By: Morgan Lewis
CFPB issues advisory opinion on the applicability of Regulation Z to earned wage access products
On December 23, the CFPB issued an advisory opinion in the Federal Register clarifying the regulatory treatment of earned wage access (EWA) products under Regulation Z, as implemented by TILA....By: Orrick, Herrington & Sutcliffe LLP
CFTC seeks public input on risks of direct clearing for retail derivatives clearing organizations
On December 18, the CFTC announced it had issued a request for comment to inform its understanding of the risks and regulatory issues related to derivatives clearing organizations (DCOs) that offer direct clearing services to retail traders, referred to as retail DCOs....By: Orrick, Herrington & Sutcliffe LLP
Private Capital’s Evolving Playbook for Healthcare and Life Sciences
Private capital is poised to remain a driving force in healthcare and life sciences, even as the sector navigates a more complex and competitive environment. After a record-setting surge in 2024 — when global healthcare private equity reached an estimated $103 billion in cumulative deal flow, the third-highest year on record — 2025 reinforced the trend with investors continuing to rewrite the rules amid regulatory disruption, political volatility, and a rapidly evolving biotech landscape....By: Latham & Watkins LLP
[Video] All Things Investigations: Navigating Compliance Challenges in Venezuela’s Energy Sector
Welcome to the Hughes Hubbard Anti-Corruption & Internal Investigations Practice Group’s podcast, All Things Investigation. In this podcast, host Tom Fox welcomes back Mike DeBernardis to discuss the implications of entering Venezuela for energy companies and the historical precedents. They explore the return of US energy companies to the Venezuelan market and historical precedents, such as the Iraq Oil-for-Food Program, post-2003 Iraq, and the 1990s Russian market opening, to identify the...By: Thomas Fox - Compliance Evangelist
NCUA proposes second round of deregulatory reforms for credit unions
Recently, the NCUA announced a second round of proposed regulatory changes under its “Deregulation Project,” an ongoing effort to reduce regulatory burden and eliminate outdated or duplicative requirements....By: Orrick, Herrington & Sutcliffe LLP
CFPB updates asset-size exemption thresholds under TILA and HMDA
On January 7, the CFPB amended the official commentary to Regulation Z (which implements TILA) and Regulation C (which implements the HMDA) by updating the asset-size exemption thresholds for financial institutions. These adjustments were based on a 2.5 percent increase in the average of the consumer price index for the 12-month period ending in November 2025....By: Orrick, Herrington & Sutcliffe LLP
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