Our early 2026 regulatory compliance monitoring list includes the Community Reinvestment Act (CRA); the Consumer Financial Protection Bureau’s (CFPB) small business lending data rule requirements that implement the changes added to the Equal Credit Opportunity Act (ECOA) by Dodd-Frank Section 1071; Fair Lending; and Bank Secrecy Act (BSA)/Anti-money Laundering (AML) compliance.
Here is a snapshot:
- CRA: Last year, federal banking regulators proposed to retract the 2023 CRA modernization regulations. We monitor announcements on the priority and timing of the final rule – the remaining formal step in the rescission process.
- Section 1071: The CFPB received comments on its proposal to simplify the small business lending data requirements back in December 2025. A potential lapse in the bureau’s funding was looming at the time. The bureau since then requested and received the funds to operate through March of 2026, but its plans for issuing the final rule remain unclear.
- Fair Lending: Both the CFPB and HUD now proposed removing disparate impact provisions from their regulations. We are tracking related agency announcements, and how the industry and consumer advocates will react when the CFPB and HUD release their respective final rules.
- BSA/AML: The U.S. lawmakers recently proposed changing certain BSA/AML reporting thresholds. (This would include raising the dollar amount that triggers a Currency Transaction Report (CTR) from $10,000 to $30,000.) Similar bills have not progressed in recent years, and the proposal is in its early stages, but CTR filers continue to express support for these revisions.
2026 outlook. What’s next? Stay tuned. We will continue to monitor and share updates as these regulatory events develop.
