On October 7, 2025, the Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency issued a joint notice of proposed rulemaking that represents the most significant reform to bank supervision standards in decades. For the first time, the agencies are proposing to codify a regulatory definition of "unsafe or unsound practice."

On June 23, 2025, the Federal Reserve revised its long-standing guidance on rating risk management processes at state member banks and bank holding companies (SR Letter 95-51). While the core framework remains intact, the revision includes a notable change that removes references to reputational risk from the evaluation criteria.

On August 22, 2024, the OCC, Federal Reserve Board, FDIC, NCUA, CFPB, FHFA, CFTC, SEC, and Treasury issued a joint notice of proposed rulemaking to implement the Financial Data Transparency Act of 2022 ("FDTA").