Banking Regulatory Compliance Changes and How to Track Them

Banking Regulatory Compliance Changes and How to Track Them

US banking rules changed a lot in 2025 and 2026. The CFPB narrowed its Section 1071 small business lending rule and moved compliance to January 1, 2028. Congress repealed the CFPB overdraft fee rule before it took effect. Treasury, FinCEN and the Federal Reserve are writing the first stablecoin rules under the GENIUS Act, and FinCEN has proposed a rewrite of AML/CFT program requirements. Each of these changes appeared first on an agency web page or in the Federal Register. For the underlying program structure that catches these changes systematically, see our compliance monitoring guide.

Here are some of the latest developments in the banking regulatory compliance sector, as well as suggestions on how you can stay updated with an AI-powered regulatory tracking software like Visualping.

Section 1071: New Rules for Small Business Data Collection

In 2010, Congress passed the Dodd-Frank Wall Street Reform and Consumer Protection Act, which directed the Consumer Financial Protection Bureau (CFPB) to write rules for collecting small business lending data.

Section 1071 of the Dodd-Frank Act amended the Equal Credit Opportunity Act (ECOA) to require financial institutions to collect and report data to the CFPB on credit applications from businesses that are:

• Minority-owned
• Women-owned
• Considered small businesses

The purpose of this rule is twofold:

1. To enforce fair lending laws
2. To enable communities, creditors, and government entities to identify opportunities for business and community development through supporting minority-owned, women-owned, and small businesses

The CFPB's 2021 proposal would have covered lenders with at least 25 small business originations in each of the prior two calendar years. The rule took years to finish, with a deadline set for the end of March 2023 to issue it, and the 2023 final rule raised the threshold to 100 originations. Lawsuits and several compliance-date extensions followed. On May 1, 2026, the CFPB published a revised final rule that took effect June 30, 2026. It covers only lenders that originated at least 1,000 covered small business loans in each of the two preceding calendar years, defines a small business as one with $1 million or less in gross annual revenue, drops the LGBTQI+-owned data point, and sets a single compliance date of January 1, 2028. Reports on 2028 data are due June 1, 2029.

Fintech and Crypto Scrutiny Since 2022

2022 was a hard year for fintech companies, with falling valuations and tighter funding. The collapse of the FTX crypto exchange in November 2022 brought new regulatory scrutiny to the whole sector.

At the time, the 2022 fallout was expected to hit the crypto sector in several ways:

• Increased difficulty for crypto firms to attain institutional capital due to an upsurge in caution and heightened uncertainty as a result of the industry’s instability
• Further regulatory scrutiny, as well as newer and evolving regulations, due to heightened interest in consumer protection
• A significant decline in VC funding
• Declining interest and enthusiasm by retail investors who are no longer interested in crypto as a means of personal investment

Congress responded with new law. The GENIUS Act, enacted July 18, 2025, created the first federal framework for payment stablecoins, and agencies spent 2026 writing the rules. FinCEN and OFAC proposed AML and sanctions program requirements for stablecoin issuers on April 10, 2026. Treasury proposed issuance rules on August 18, 2026, and the Federal Reserve proposed its own GENIUS Act rules on September 29, 2026, with comments due November 30, 2026.

Increased Cryptocurrency Transaction Monitoring

Regulators have developed a new focus on increasing the monitoring and scrutinization of cryptocurrency transactions.

The goal is to stop money laundering and other illicit finance. Launderers can move funds through many self-hosted crypto wallets, which, unlike bank accounts, can be opened without proof of identity.

In 2022, blockchain analytics firm Elliptic reported that criminals had laundered at least $540 million through the RenBridge cross-chain bridge since 2020. Banks now face a broader rewrite of the rules. In April 2026, FinCEN proposed reforming AML/CFT program requirements for financial institutions, and in July 2026 the Federal Reserve proposed matching rules for the banks it supervises.

Changes to Overdraft Fee Regulations

On December 30, 2024, the CFPB published an overdraft rule for banks and credit unions with more than $10 billion in assets. It would have capped overdraft fees at $5 unless a bank charged a fee that only covered its costs or treated overdraft as a loan under lending rules. Congress nullified the rule under the Congressional Review Act on May 9, 2025 (Public Law 119-10), so it never took effect, and the CFPB cannot reissue a rule in substantially the same form without new authority from Congress.

S&P Global Market Intelligence reported in 2023 that regulatory and competitive pressure to change overdraft policies weighs most on community financial institutions. Community banks rely more on overdraft revenue than the largest banks do.

In the third quarter of 2022, three community banks earned more than 10% of their operating revenue from service charges on consumer deposit accounts, the category that includes overdraft fees.

Scrutiny of Appraisal Bias

Appraisal bias has been a fair lending issue for decades, going back to the era of redlining. An October 2024 FHFA working paper found that home purchase appraisals below the contract price were at least 23 percent more likely in majority African American neighborhoods than in similar neighborhoods with no African American residents.

Federal policy has since moved in the opposite direction. On July 10, 2025, HUD and OMB effectively disbanded the interagency PAVE task force on appraisal bias, and the Federal Housing Finance Agency repealed its fair lending and equitable housing finance plans rule effective March 9, 2026. The Fair Housing Act and ECOA still prohibit discrimination in appraisals and lending, so the compliance duty stays with lenders.

How to Use Visualping to Stay on Top of Regulatory Changes

Every change above showed up first on an agency web page: a rulemaking page, a Federal Register notice or a press release. Visualping watches those pages for you.

Visualping is an AI website monitoring tool that operates 100% online, and can monitor changes to any web pages with AI, checking as often as every 2 minutes on Personal 10k and Business plans (daily is the default). New monitors use AI Mode: you describe what matters in an “Alert me when” box, such as a new compliance date or a changed coverage threshold, and Visualping alerts you when a change matches.

When a change is detected, Visualping emails you an AI-generated summary and a screenshot of the change.

For example, if you wanted to stay updated on Section 1071 and any of its potential changes, you could input the URL of Section 1071 from the CFPB website. Add an “Alert me when” condition such as “the compliance date or the 1,000-loan coverage threshold changes,” and Visualping checks the page on your schedule.

Each change also opens a before-and-after view, with deleted text struck through in red and new text highlighted in green, so you can see exactly which words in a rule changed.

Step-by-Step Tutorial

Here’s how you can use Visualping to monitor websites for updates in legislation or regulations:

Step 1: Paste the URL and Click Go

Copy the URL of the page you want to track (in this case, the CFPB's Section 1071 rulemaking page) and paste it into the box on the Visualping homepage. Click Go, and a preview of the page loads.

Step 2: Write an “Alert me when” Condition

In the “Alert me when” box, describe the change you care about, or pick one of the AI suggestions. For a rule page, try “the CFPB changes the compliance date or coverage threshold, or posts new guidance.” New monitors run in AI Mode, which reads both the page text and how the page looks, and uses AI to decide whether a change matches your condition before it alerts you.

Step 3: Choose How Often to Check

Use the “Check:” dropdown to set the frequency. Daily is the default and suits most rule pages. Weekly or monthly checks keep alerts down on pages that rarely change, and Personal 10k and Business plans can check as often as every 2 minutes.

Step 4: Add Your Email and Start Monitoring

Enter your email in the “Send to” field and click Start Free Monitoring. Visualping saves the current page as a baseline and emails you when a change matches your condition. The Free plan includes 150 checks a month across up to 5 pages.

Stay Prepared for Banking Rule Changes

Section 1071 compliance starts January 1, 2028, and the Federal Reserve's GENIUS Act proposal is open for comment until November 30, 2026. To stay ready for these changes and remain in regulatory compliance in banking, track the agency pages that publish them. Visualping checks those pages on your schedule and emails you when something changes. Sign up today to get started.