{"description":"Documents matching 'risk other supervisory tools encourage'","count":1998,"total_pages":50,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=risk+other+supervisory+tools+encourage&format=json&page=2","results":[{"title":"Prohibition on Use of Reputation Risk or Other Supervisory Tools To Encourage or Compel Banking Organizations To Engage in Politicized or Unlawful Discrimination","type":"Proposed Rule","abstract":"The Board of Governors of the Federal Reserve System (Board) is inviting public comment on a notice of proposed rulemaking (proposal or proposed rule) that would codify the removal of reputation risk from the Board's supervisory programs. The proposal would prohibit the Board from encouraging or compelling Board-supervised banking organizations to deny or condition the provision of banking or other financial products or services to an individual or business based on their constitutionally protected political or religious beliefs, associations, speech, or conduct, or based on involvement by the individual or business in politically disfavored but lawful business activities perceived to present reputation risk.","document_number":"2026-03818","html_url":"https://www.federalregister.gov/documents/2026/02/26/2026-03818/prohibition-on-use-of-reputation-risk-or-other-supervisory-tools-to-encourage-or-compel-banking","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-02-26/pdf/2026-03818.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-03818.pdf?1772027110","publication_date":"2026-02-26","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"}],"excerpts":"the rating of <span class=\"match\">risk</span> management at state member banks and bank holding companies.\n 7 \n \n The guidelines listed six <span class=\"match\">risk</span> channels, one of which was reputation <span class=\"match\">risk</span>.\n 8 \n \n In subsequent years, reputation <span class=\"match\">risk</span> was included in <span class=\"match\">other</span> <span class=\"match\">supervisory</span> materials. For example, in the case of the Board, this included guidance related to <span class=\"match\">risk</span>-focused safety and soundness examinations and inspections and consumer compliance <span class=\"match\">risk</span> in bank holding companies.\n 9 \n \n Over time, concerns have arisen that reputation <span class=\"match\">risk</span> and <span class=\"match\">other</span> similar <span class=\"match\">supervisory</span> <span class=\"match\">tools</span> have been misused"},{"title":"Prohibition on the Use of Reputation Risk by Regulators","type":"Rule","abstract":"The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation are adopting a final rule to codify the elimination of reputation risk from their supervisory programs. Among other things, the rule prohibits the agencies from criticizing or taking adverse action against an institution on the basis of reputation risk. The rule also prohibits the agencies from requiring, instructing, or encouraging an institution to close an account, to refrain from providing an account, product, or service, or to modify or terminate any product or service on the basis of a person or entity's political, social, cultural, or religious views or beliefs, constitutionally protected speech, or solely on the basis of politically disfavored but lawful business activities perceived to present reputation risk. The rule further forbids the agencies from taking any supervisory action or other adverse action against an institution, a group of institutions, or the institution-affiliated parties of any institution that is designed to punish or discourage an individual or group from engaging in any lawful political, social, cultural, or religious activities, constitutionally protected speech, or, for political reasons, lawful business activities that the agencies or its personnel disagree with or disfavor.","document_number":"2026-06947","html_url":"https://www.federalregister.gov/documents/2026/04/10/2026-06947/prohibition-on-the-use-of-reputation-risk-by-regulators","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-10/pdf/2026-06947.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06947.pdf?1775738713","publication_date":"2026-04-10","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"particular <span class=\"match\">risks</span>. In 1995, the OCC launched an examination program it called “supervision by <span class=\"match\">risk</span>” that led to the current <span class=\"match\">risk</span>-based supervision approach to examinations. In the supervision by <span class=\"match\">risk</span> program, the OCC focused on nine categories of <span class=\"match\">risk</span>: credit <span class=\"match\">risk</span>, interest rate <span class=\"match\">risk</span>, liquidity <span class=\"match\">risk</span>, price <span class=\"match\">risk</span>, foreign exchange <span class=\"match\">risk</span>, transaction <span class=\"match\">risk</span>, compliance <span class=\"match\">risk</span>, strategic <span class=\"match\">risk</span>, and reputation <span class=\"match\">risk</span>. The program later morphed into the OCC's current <span class=\"match\">risk</span>-based framework, which focuses on eight <span class=\"match\">risk</span> categories, with transaction <span class=\"match\">risk</span> renamed as"},{"title":"Unsafe or Unsound Practices, Matters Requiring Attention","type":"Proposed Rule","abstract":"The Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) propose to define the term \"unsafe or unsound practice\" for purposes of section 8 of the Federal Deposit Insurance Act and to revise the supervisory framework for the issuance of matters requiring attention and other supervisory communications.","document_number":"2025-19711","html_url":"https://www.federalregister.gov/documents/2025/10/30/2025-19711/unsafe-or-unsound-practices-matters-requiring-attention","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-30/pdf/2025-19711.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19711.pdf?1761741908","publication_date":"2025-10-30","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"\n The FDIC's current practice is to issue <span class=\"match\">Supervisory</span> Recommendations, including Matters Requiring Board Attention (MRBAs), as part of its <span class=\"match\">supervisory</span> process to communicate weaknesses in a bank's operations, governance, or <span class=\"match\">risk</span> management practices.\n 42 \n \n These <span class=\"match\">supervisory</span> <span class=\"match\">tools</span> are designed to promote timely corrective action and to strengthen institutions' overall safety and soundness.\n \n \n \n 42 \n  \n See \n Statement of the FDIC Board of Directors on the Development and Communication of <span class=\"match\">Supervisory</span> Recommendations, available at \n https://www"},{"title":"Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets","type":"Proposed Rule","abstract":"The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are proposing to modify certain aspects of the regulatory capital rule (the proposal). The proposal would revise the risk-based capital treatment of certain exposure categories under the standardized approach, focusing on improving the calibration and risk sensitivity of risk weights that are particularly material to covered banking organizations' lending activities. The proposal would also modify the definition of regulatory capital by removing the threshold- based deduction for mortgage servicing assets for all banking organizations subject to the regulatory capital rule, including banking organizations subject to the community bank leverage ratio framework. In addition, the proposal would require Category III and IV banking organizations to recognize most elements of accumulated other comprehensive income in their regulatory capital. The agencies are concurrently publishing a separate proposal, which would require Category I and II banking organizations to use a new framework to calculate risk-weighted assets, called the expanded risk-based approach and would allow other banking organizations to elect to use the expanded risk-based approach.","document_number":"2026-05960","html_url":"https://www.federalregister.gov/documents/2026/03/27/2026-05960/regulatory-capital-rules-regulatory-capital-and-standardized-approach-for-risk-weighted-assets","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-27/pdf/2026-05960.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-05960.pdf?1774529110","publication_date":"2026-03-27","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"and operational <span class=\"match\">risk</span>—and a revised market <span class=\"match\">risk</span> framework. Notably, the expanded <span class=\"match\">risk</span>-based proposal would allow banking organizations of any size to elect to use the expanded <span class=\"match\">risk</span>-based approach to determine requirements for credit <span class=\"match\">risk</span>, equity <span class=\"match\">risk</span>, and operational <span class=\"match\">risk</span> in place of the standardized approach.\n 7 \n \n \n \n \n 6 \n  Banking organizations with significant trading activities that are not Category I or II banking organizations would apply (1) the market <span class=\"match\">risk</span> framework under the expanded <span class=\"match\">risk</span>-based proposal and (2) the standardized approach"},{"title":"Performance Appraisal for General Schedule, Prevailing Rate, and Certain Other Employees","type":"Proposed Rule","abstract":"The Office of Personnel Management (OPM) is issuing a proposed rule to increase the efficiency of performance management for non- Senior Executive Service (SES) employees, including General Schedule (GS) and prevailing rate employees. The proposed rule amends the approved patterns of summary levels by removing a \"Level 2\"; requires agencies to undergo biennial appraisal system certifications with OPM; requires a supervisory critical element for all supervisors covered under this subpart; removes the prohibition of a forced, or standardized, distribution of performance-rating levels; removes the option to grieve a performance rating; and removes the mandatory review of level 1 ratings.","document_number":"2026-03619","html_url":"https://www.federalregister.gov/documents/2026/02/24/2026-03619/performance-appraisal-for-general-schedule-prevailing-rate-and-certain-other-employees","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-02-24/pdf/2026-03619.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-03619.pdf?1771854311","publication_date":"2026-02-24","agencies":[{"raw_name":"OFFICE OF PERSONNEL MANAGEMENT","name":"Personnel Management Office","id":406,"url":"https://www.federalregister.gov/agencies/personnel-management-office","json_url":"https://www.federalregister.gov/api/v1/agencies/406","parent_id":null,"slug":"personnel-management-office"}],"excerpts":"Federal Employees \n  \n 54 \n \n provided <span class=\"match\">tools</span> for supervisors to identify and address poor performance. In addition to those critical <span class=\"match\">tools</span>, OPM developed <span class=\"match\">supervisory</span> training that includes drafting effective performance goals, elements and standards. Completion of this new training is required by all individuals in <span class=\"match\">supervisory</span>, managerial and executive positions.\n \n \n \n 54 \n  \n Id. \n \n \n In the same memorandum, OPM introduced a new mandatory critical element to be included in the performance plans of all <span class=\"match\">supervisory</span> non-SES/SP employees. Titled, “Holding"},{"title":"Performance Appraisal for General Schedule, Prevailing Rate, and Certain Other Employees","type":"Rule","abstract":"The Office of Personnel Management (OPM) is issuing a final rule to increase the efficiency and effectiveness of performance management for non-Senior Executive Service (SES) employees, including General Schedule (GS) and prevailing rate employees. This final rule eliminates unnecessary summary level patterns; removes the prohibition of a forced, or standardized, distribution of performance rating levels; eliminates mandatory review of Level 1 ratings; removes the option to grieve a rating of record; requires a supervisory critical element for all supervisors covered under this subpart; and requires OPM to conduct biennial certifications of agency appraisal systems.","document_number":"2026-13715","html_url":"https://www.federalregister.gov/documents/2026/07/07/2026-13715/performance-appraisal-for-general-schedule-prevailing-rate-and-certain-other-employees","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-07-07/pdf/2026-13715.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13715.pdf?1783341917","publication_date":"2026-07-07","agencies":[{"raw_name":"OFFICE OF PERSONNEL MANAGEMENT","name":"Personnel Management Office","id":406,"url":"https://www.federalregister.gov/agencies/personnel-management-office","json_url":"https://www.federalregister.gov/api/v1/agencies/406","parent_id":null,"slug":"personnel-management-office"}],"excerpts":" \n \n \n 65 \n  OPM, \n New Governmentwide <span class=\"match\">Supervisory</span> Training \n (Dec. 3, 2025), \n https://www.opm.gov/chcoc/published-memos/new-governmentwide-<span class=\"match\">supervisory</span>-training.pdf. \n \n \n After careful consideration of the comments, OPM has determined that requiring a <span class=\"match\">supervisory</span> critical element is an appropriate and necessary component of a modern performance management system. The requirement promotes accountability, reinforces effective <span class=\"match\">supervisory</span> practices, and supports fair and consistent evaluation of <span class=\"match\">supervisory</span> responsibilities across the Federal workforce"},{"title":"Proposed Revisions to the Federal Reserve Policy on Payment System Risk and the Guidelines for Account and Services Requests","type":"Notice","abstract":"The Board of Governors of the Federal Reserve System (Board) is issuing a notice and request for comment on proposed revisions to the Federal Reserve Policy on Payment System Risk (PSR Policy), including the proposed addition of a new Part IV, to accommodate the provision by Reserve Banks of special-purpose accounts that would clear and settle certain payment activity (Payment Accounts). The Board is also proposing updates to its guidelines for Federal Reserve Banks (Reserve Banks) to utilize in evaluating requests for access to Reserve Bank account and services (Account Access Guidelines or Guidelines) to accommodate requests for access to Payment Accounts. Finally, the Board is encouraging Reserve Banks to pause decisions on requests for Reserve Bank accounts and services from institutions that are Tier 3 under the Account Access Guidelines until the Board has completed its policy development process on the Payment Account proposal.","document_number":"2026-10375","html_url":"https://www.federalregister.gov/documents/2026/05/26/2026-10375/proposed-revisions-to-the-federal-reserve-policy-on-payment-system-risk-and-the-guidelines-for","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-26/pdf/2026-10375.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-10375.pdf?1779453911","publication_date":"2026-05-26","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"}],"excerpts":"use the service to make securities transfers that will not result in a debit or credit to a Master Account <span class=\"match\">other</span> than a transaction fee.\n \n \n \n In addition to credit <span class=\"match\">risk</span>, the Account Access Guidelines include an assessment of a wide range of <span class=\"match\">risks</span> to the Reserve Banks that can arise from the provision of an account and services, such as operational and cyber <span class=\"match\">risks</span>. Today, Reserve Banks mitigate cyber and operational <span class=\"match\">risk</span> through strong <span class=\"match\">risk</span> management controls and processes, including a security and resiliency assurance program that requires institutions"},{"title":"Revisions to the Large Financial Institution Rating System and Framework for the Supervision of Insurance Organizations","type":"Notice","abstract":"The Board is adopting a final notice to revise its Large Financial Institution (LFI) rating system (LFI Framework) and the rating system for depository institution holding companies significantly engaged in insurance activities (Insurance Supervisory Framework, together with the LFI Framework, Frameworks) to more appropriately identify as \"well managed\" firms that have sufficient financial and operational strength and resilience to maintain safe and sound operations through a range of conditions, including stressful ones. The final notice also replaces the presumption in the Frameworks that firms with one or more Deficient-1 component ratings will be subject to a formal or informal enforcement action with a statement that such firms may be subject to a formal or informal enforcement action, depending on particular facts and circumstances. The final notice also removes a reference to reputational risk in the Insurance Supervisory Framework.","document_number":"2025-19945","html_url":"https://www.federalregister.gov/documents/2025/11/17/2025-19945/revisions-to-the-large-financial-institution-rating-system-and-framework-for-the-supervision-of","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-17/pdf/2025-19945.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19945.pdf?1763127914","publication_date":"2025-11-17","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"}],"excerpts":" \n \n The Insurance <span class=\"match\">Supervisory</span> Framework is modeled after the LFI Framework. The Board designed the Insurance <span class=\"match\">Supervisory</span> Framework to reflect <span class=\"match\">supervisory</span> requirements and expectations applicable to supervised insurance organizations. Further, within the Insurance <span class=\"match\">Supervisory</span> Framework, the application of <span class=\"match\">supervisory</span> guidance and the assignment of <span class=\"match\">supervisory</span> resources is based explicitly on a supervised insurance organization's complexity and individual <span class=\"match\">risk</span> profile.\n 22 \n \n \n \n \n 22 \n  For example, the Insurance <span class=\"match\">Supervisory</span> Framework classifies"},{"title":"Request for Information Regarding Community Banks' Engagement With Core Service Providers and Other Essential Third-Party Service Providers","type":"Notice","abstract":"The OCC is issuing a request for information (RFI) on community bank engagement with their core service providers and other essential third-party service providers. The RFI seeks to better understand how challenges community banks face with such service providers affect these banks' abilities to remain competitive in a rapidly evolving marketplace, as well as what actions the OCC can take to address any of these challenges.","document_number":"2025-21333","html_url":"https://www.federalregister.gov/documents/2025/11/28/2025-21333/request-for-information-regarding-community-banks-engagement-with-core-service-providers-and-other","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-28/pdf/2025-21333.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-21333.pdf?1764164713","publication_date":"2025-11-28","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"}],"excerpts":"being a <span class=\"match\">tool</span> to help banks assess and manage <span class=\"match\">risks</span> through practices tailored to the degree of <span class=\"match\">risk</span> present, or that community banks have experienced examiners using in a prescriptive, non-<span class=\"match\">risk</span>-based manner? Alternatively, to what extent would community banks benefit from additional <span class=\"match\">supervisory</span> or regulatory clarity?\n \n \n \n 9 \n  The OCC reiterates that the TPRM Guidance is intended to be a principles-based <span class=\"match\">tool</span> for banks to assess and manage their <span class=\"match\">risks</span> from third parties. It is not a prescriptive requirement and a bank's third-party <span class=\"match\">risk</span> management"},{"title":"Regulatory Capital Rule: Category I and II Banking Organizations, Banking Organizations With Significant Trading Activity, and Optional Adoption for Other Banking Organizations","type":"Proposed Rule","abstract":"The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are proposing to modernize the capital requirements applicable to Category I and II depository institution holding companies and depository institutions, as well as revise the market risk capital framework for banking organizations with significant trading activity (the proposal). The proposal would improve the regulatory capital framework for covered banking organizations by enhancing its risk sensitivity and consistency and by simplifying core components of its design. The agencies expect the proposal would support the safety and soundness of covered banking organizations and U.S. financial stability while promoting lending and other financial intermediation activities in the banking system over a range of economic conditions.","document_number":"2026-05959","html_url":"https://www.federalregister.gov/documents/2026/03/27/2026-05959/regulatory-capital-rule-category-i-and-ii-banking-organizations-banking-organizations-with","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-27/pdf/2026-05959.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-05959.pdf?1774529111","publication_date":"2026-03-27","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"Simple Approaches \n 4. Operational <span class=\"match\">Risk</span> Management \n V. Calculation of <span class=\"match\">Risk</span>-Weighted Assets Under the Market <span class=\"match\">Risk</span> Framework \n A. Market <span class=\"match\">Risk</span> \n 1. Background \n 2. Scope and Application of the Proposed Rule \n 3. Measure for Market <span class=\"match\">Risk</span> \n 4. Market <span class=\"match\">Risk</span> Covered Position \n 5. Internal <span class=\"match\">Risk</span> Transfers \n 6. General Requirements for Market <span class=\"match\">Risk</span> \n 7. Standardized Non-Default Capital Requirement \n 8. Models-Based Non-Default Capital Requirement \n 9. Default <span class=\"match\">Risk</span> Capital Requirement \n 10. Treatment of Certain Market <span class=\"match\">Risk</span> Covered Positions \n 11. Reporting and"},{"title":"Agency Information Collection Activities: Information Collection Renewal; Submission for OMB Review; Supervisory Guidance on Stress Testing for Banking Organizations With Total Consolidated Assets of More Than $10 Billion","type":"Notice","abstract":"The OCC, as part of its continuing effort to reduce paperwork and respondent burden, invites comment on a continuing information collection, as required by the Paperwork Reduction Act of 1995 (PRA). In accordance with the requirements of the PRA, the OCC may not conduct or sponsor, and the respondent is not required to respond to, an information collection unless it displays a currently valid Office of Management and Budget (OMB) control number. The OCC is soliciting comment concerning the renewal of its information collection titled, \"Supervisory Guidance on Stress Testing for Banking Organizations with Total Consolidated Assets of More Than $10 Billion.\" The OCC also is giving notice that it has sent the collection to OMB for review.","document_number":"2024-22234","html_url":"https://www.federalregister.gov/documents/2024/09/27/2024-22234/agency-information-collection-activities-information-collection-renewal-submission-for-omb-review","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-09-27/pdf/2024-22234.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-22234.pdf?1727354733","publication_date":"2024-09-27","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"}],"excerpts":" The information collected informs how banking organizations use stress testing as a component of <span class=\"match\">risk</span> management and as a <span class=\"match\">tool</span> for capital and liquidity planning. The OCC reviews such materials as part of its <span class=\"match\">supervisory</span> process, which includes review of the <span class=\"match\">risk</span>-management capabilities of OCC-supervised banking organizations. While the guidance is not intended to provide detailed instructions for conducting stress testing for any particular <span class=\"match\">risk</span> or business area, it does describe several types of stress testing activities and how they may be most"},{"title":"Fair Housing Home Loan Data System","type":"Proposed Rule","abstract":"The Office of the Comptroller of the Currency (OCC) invites public comment on a notice of proposed rulemaking (proposed rule) to rescind its Fair Housing Home Loan Data System regulation codified at 12 CFR part 27. The OCC has determined that the regulation is obsolete and largely duplicative of and inconsistent with other legal authorities that require national banks to collect and retain certain information on applications for home loans. Moreover, part 27 imposes asymmetrical data collection requirements on national banks compared to their other depository institution counterparts, and the data collected has limited utility. For these reasons, rescinding the regulation would eliminate the regulatory burden attributable to part 27 for national banks without having a material impact on the availability of data necessary for the OCC to conduct its fair housing-related supervisory activities.","document_number":"2025-20202","html_url":"https://www.federalregister.gov/documents/2025/11/18/2025-20202/fair-housing-home-loan-data-system","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-11-18/pdf/2025-20202.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-20202.pdf?1763387140","publication_date":"2025-11-18","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"}],"excerpts":" However, since then, the OCC has found that agency examiners generally base their fair lending <span class=\"match\">supervisory</span> activities on data collected under <span class=\"match\">other</span> legal authorities that require national banks to collect and maintain information on applications for home loans. To the extent OCC examiners may consider part 27 data, it is most useful for assessing a national bank's fair lending <span class=\"match\">risk</span>; however, the OCC has <span class=\"match\">other</span> <span class=\"match\">tools</span> for identifying fair lending <span class=\"match\">risk</span> at national banks. The OCC believes that the proposed recission of part 27, therefore, would not"},{"title":"Agency Information Collection Activities: Information Collection Renewal; Comment Request; Supervisory Guidance on Stress Testing for Banking Organizations With Total Consolidated Assets of More Than $10 Billion","type":"Notice","abstract":"The OCC, as part of its continuing effort to reduce paperwork and respondent burden, invites comment on a continuing information collection, as required by the Paperwork Reduction Act of 1995 (PRA). In accordance with the requirements of the PRA, the OCC may not conduct or sponsor, and the respondent is not required to respond to, an information collection unless it displays a currently valid Office of Management and Budget (OMB) control number. The OCC is soliciting comment concerning the renewal of its information collection titled \"Supervisory Guidance on Stress Testing for Banking Organizations with Total Consolidated Assets of More Than $10 Billion.\"","document_number":"2024-16162","html_url":"https://www.federalregister.gov/documents/2024/07/23/2024-16162/agency-information-collection-activities-information-collection-renewal-comment-request-supervisory","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-23/pdf/2024-16162.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-16162.pdf?1721652329","publication_date":"2024-07-23","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"}],"excerpts":"recommended actions based on stress test results; and policies and procedures for the framework. The information collected informs how banking organizations use stress testing as a component of <span class=\"match\">risk</span> management and as a <span class=\"match\">tool</span> for capital and liquidity planning. The OCC reviews such materials as part of its <span class=\"match\">supervisory</span> process, which includes review of the <span class=\"match\">risk</span>-management capabilities of OCC-supervised banking organizations.\n \n \n Estimated Frequency of Response: \n On occasion.\n \n \n Estimated Number of Respondents: \n 62.\n \n \n Estimated Total Annual Burden:"},{"title":"Uniform Financial Institutions Rating System","type":"Notice","abstract":"The Federal Financial Institutions Examination Council (FFIEC) is requesting comment on proposed revisions to the Uniform Financial Institutions Rating System (UFIRS), commonly referred to as the CAMELS rating system. The proposal would strengthen the link between CAMELS ratings and a financial institution's safety and soundness by focusing component and composite ratings on factors that materially affect an institution's financial condition and risk profile, and by improving the transparency of CAMELS ratings.","document_number":"2026-09944","html_url":"https://www.federalregister.gov/documents/2026/05/19/2026-09944/uniform-financial-institutions-rating-system","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-19/pdf/2026-09944.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-09944.pdf?1779108307","publication_date":"2026-05-19","agencies":[{"raw_name":"FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL","name":"Federal Financial Institutions Examination Council","id":168,"url":"https://www.federalregister.gov/agencies/federal-financial-institutions-examination-council","json_url":"https://www.federalregister.gov/api/v1/agencies/168","parent_id":null,"slug":"federal-financial-institutions-examination-council"}],"excerpts":"allowances for credit losses and <span class=\"match\">other</span> asset valuation allowances. \n • Balance sheet composition, including the nature and amount of intangible assets, market <span class=\"match\">risks</span>, credit <span class=\"match\">risks</span>, concentration <span class=\"match\">risks</span>, and <span class=\"match\">risks</span> associated with <span class=\"match\">other</span> material activities. \n • <span class=\"match\">Risks</span> posed by off-balance sheet activities and contingent liabilities. \n • The quality and strength of earnings, and the reasonableness of capital distributions relative to the institution's financial condition and material financial <span class=\"match\">risks</span>. \n • Access to <span class=\"match\">other</span> sources of capital, including capital"},{"title":"Request for Information on Uses, Opportunities, and Risks of Artificial Intelligence in the Financial Services Sector","type":"Notice","abstract":"The U.S. Department of the Treasury (Treasury) is seeking comment through this request for information (RFI) on the uses, opportunities and risks presented by developments and applications of artificial intelligence (AI) within the financial sector. Treasury is interested in gathering information from a broad set of stakeholders in the financial services ecosystem, including those providing, facilitating, and receiving financial products and services, as well as consumer and small business advocates, academics, nonprofits, and others.","document_number":"2024-12336","html_url":"https://www.federalregister.gov/documents/2024/06/12/2024-12336/request-for-information-on-uses-opportunities-and-risks-of-artificial-intelligence-in-the-financial","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-06-12/pdf/2024-12336.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-12336.pdf?1718032518","publication_date":"2024-06-12","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"}],"excerpts":"conditions of such offerings, as well as financial forecasting products and pattern recognition <span class=\"match\">tools</span>;\n \n \n • \n <span class=\"match\">Risk</span> management: \n Financial institutions' use and potential use of AI for managing various types of <span class=\"match\">risk</span>, including credit <span class=\"match\">risk</span>, market <span class=\"match\">risk</span>, operational <span class=\"match\">risk</span>, cyber <span class=\"match\">risk</span>, fraud and illicit finance <span class=\"match\">risk</span>, compliance <span class=\"match\">risk</span> (including fraud <span class=\"match\">risk</span>), reputation <span class=\"match\">risk</span>, interest rate <span class=\"match\">risk</span>, liquidity <span class=\"match\">risk</span>, model <span class=\"match\">risk</span>, counterparty <span class=\"match\">risk</span>, and legal <span class=\"match\">risk</span>, as well as the extent to which financial institutions may be exploring the use of AI for treasury"},{"title":"Anti-Money Laundering and Countering the Financing of Terrorism Programs","type":"Proposed Rule","abstract":"The Board of Governors of the Federal Reserve System (the Board) is inviting comment on a proposed rule that would require its supervised banks to establish and maintain effective anti-money laundering and countering the financing of terrorism (AML/CFT) programs reasonably designed to identify, assess, and mitigate risks of illicit finance. Among other changes, this proposed rule would ensure that Board-supervised banks establish and maintain effective AML/CFT programs that are intended to better achieve the purposes of the Bank Secrecy Act (BSA), culminating in the development of highly useful information related to illicit financial transactions for law enforcement and national security agencies. The amendments are intended to align with changes to AML/CFT program requirements proposed by the Financial Crimes Enforcement Network (FinCEN) to implement provisions of the Anti-Money Laundering Act of 2020 (AML Act) and corresponding changes proposed by the Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA) (collectively, \"the Agencies\") on April 10, 2026.","document_number":"2026-13919","html_url":"https://www.federalregister.gov/documents/2026/07/09/2026-13919/anti-money-laundering-and-countering-the-financing-of-terrorism-programs","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-07-09/pdf/2026-13919.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13919.pdf?1783514720","publication_date":"2026-07-09","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"}],"excerpts":"establish a <span class=\"match\">risk</span>-based set of internal policies, procedures, and controls that is reasonably designed to: (1) identify, assess, and document ML/TF <span class=\"match\">risks</span> through <span class=\"match\">risk</span> assessment processes; (2) mitigate ML/TF <span class=\"match\">risks</span> consistent with the <span class=\"match\">risk</span> assessment processes, including by directing more attention and resources toward higher-<span class=\"match\">risk</span> customers and activities rather than toward lower-<span class=\"match\">risk</span> customers and activities; and (3) conduct ongoing CDD. The preamble addresses each of these features below. \n Under this proposal, a Board-supervised bank's <span class=\"match\">risk</span>-based set"},{"title":"Anti-Money Laundering and Countering the Financing of Terrorism Programs","type":"Proposed Rule","abstract":"The Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA) (collectively, \"the Agencies\" or \"Agency\" when referencing the singular) are inviting comment on a proposed rule that would require banks to establish and maintain effective anti-money laundering and countering the financing of terrorism (AML/CFT) programs reasonably designed to identify, assess, and mitigate risks of illicit finance. The amendments are intended to align with changes that are being concurrently proposed by the Financial Crimes Enforcement Network (FinCEN) to implement provisions of the Anti-Money Laundering Act of 2020 (AML Act). Among other changes, this proposed rule would ensure that institutions establish and maintain effective AML/CFT programs that are intended to better achieve the purposes of the Bank Secrecy Act (BSA), culminating in the development of highly useful information related to illicit financial transactions for law enforcement and national security agencies. Through this rulemaking, the Agencies also intend to modernize and reform Federal supervision of AML/CFT programs by enhancing FinCEN's role in AML/CFT supervision and enforcement.","document_number":"2026-06948","html_url":"https://www.federalregister.gov/documents/2026/04/10/2026-06948/anti-money-laundering-and-countering-the-financing-of-terrorism-programs","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-10/pdf/2026-06948.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06948.pdf?1775738713","publication_date":"2026-04-10","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"},{"raw_name":"NATIONAL CREDIT UNION ADMINISTRATION","name":"National Credit Union Administration","id":335,"url":"https://www.federalregister.gov/agencies/national-credit-union-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/335","parent_id":null,"slug":"national-credit-union-administration"}],"excerpts":"must establish a <span class=\"match\">risk</span>-based set of internal policies, procedures, and controls that is reasonably designed to: (1) identify, assess, and document ML/TF <span class=\"match\">risks</span> through <span class=\"match\">risk</span> assessment processes; (2) mitigate ML/TF <span class=\"match\">risks</span> consistent with the <span class=\"match\">risk</span> assessment processes, including by directing more attention and resources toward higher-<span class=\"match\">risk</span> customers and activities rather than toward lower-<span class=\"match\">risk</span> customers and activities; and, (3) conduct ongoing CDD. The preamble addresses each of these features below. \n Under this proposal, a bank's <span class=\"match\">risk</span>-based set of internal"},{"title":"Enhancing Surface Cyber Risk Management","type":"Proposed Rule","abstract":"The Transportation Security Administration (TSA) is proposing to impose cyber risk management (CRM) requirements on certain pipeline and rail owner/operators and a more limited requirement, on certain over-the-road bus (OTRB) owner/operators, to report cybersecurity incidents. With the proposed addition of requirements applicable to pipeline facilities and systems, TSA is also proposing that a requirement to have a Physical Security Coordinator and report significant physical security concerns be extended to the same facilities and systems. Finally, TSA is proposing clarifications and reorganization of other regulatory requirements necessitated by these changes.","document_number":"2024-24704","html_url":"https://www.federalregister.gov/documents/2024/11/07/2024-24704/enhancing-surface-cyber-risk-management","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-07/pdf/2024-24704.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-24704.pdf?1730900722","publication_date":"2024-11-07","agencies":[{"raw_name":"DEPARTMENT OF HOMELAND SECURITY","name":"Homeland Security Department","id":227,"url":"https://www.federalregister.gov/agencies/homeland-security-department","json_url":"https://www.federalregister.gov/api/v1/agencies/227","parent_id":null,"slug":"homeland-security-department"},{"raw_name":"Transportation Security Administration","name":"Transportation Security Administration","id":494,"url":"https://www.federalregister.gov/agencies/transportation-security-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/494","parent_id":227,"slug":"transportation-security-administration"}],"excerpts":"determinations were based on the physical security of transportation systems and <span class=\"match\">risks</span> within that context.\n \n \n \n 118 \n  \n See supra \n note 81.\n \n \n \n Use of TSA's <span class=\"match\">risk</span>-based determinations for applicability is consistent with the focus of the 9/11 Act's requirements on higher-<span class=\"match\">risk</span> operations. This <span class=\"match\">risk</span>-based focus is reflected in the statutory requirement that focuses security training requirements on frontline employees, not all employees; \n 119 \n \n requiring <span class=\"match\">risk</span>-based tiers where only the highest tier would be required to comply with regulations"},{"title":"Authority To Require Supervision and Regulation of Certain Nonbank Financial Companies","type":"Proposed Rule","abstract":"This proposed interpretive guidance, which would replace the Financial Stability Oversight Council's existing interpretive guidance on nonbank financial company determinations and its analytic framework for financial stability risks, describes the approach the Council intends to take in prioritizing its work to identify and address potential risks to U.S. financial stability using an activities-based approach, and enhancing the Council's analytical rigor and transparency.","document_number":"2026-06114","html_url":"https://www.federalregister.gov/documents/2026/03/30/2026-06114/authority-to-require-supervision-and-regulation-of-certain-nonbank-financial-companies","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-30/pdf/2026-06114.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06114.pdf?1774615520","publication_date":"2026-03-30","agencies":[{"raw_name":"FINANCIAL STABILITY OVERSIGHT COUNCIL","name":"Financial Stability Oversight Council","id":565,"url":"https://www.federalregister.gov/agencies/financial-stability-oversight-council","json_url":"https://www.federalregister.gov/api/v1/agencies/565","parent_id":null,"slug":"financial-stability-oversight-council"}],"excerpts":"regulators and <span class=\"match\">other</span> experts regarding the scope of potential <span class=\"match\">risks</span> and factors that may mitigate those <span class=\"match\">risks</span>; and the collaborative development of analyses for consideration by the Council. As part of this work, the Council may also engage with industry participants and <span class=\"match\">other</span> members of the public as it assesses potential <span class=\"match\">risks</span> to U.S. financial stability. \n Although the contours of the Council's initial assessment of any potential <span class=\"match\">risk</span> to U.S. financial stability will depend on the type and scope of analysis relevant to the particular <span class=\"match\">risk</span>, the Council's"},{"title":"Request for Information on Bank-Fintech Arrangements Involving Banking Products and Services Distributed to Consumers and Businesses","type":"Notice","abstract":"Over the past several years, the Office of the Comptroller of the Currency (OCC), Treasury; the Board of Governors of the Federal Reserve System (Board); and the Federal Deposit Insurance Corporation (FDIC) (collectively, \"the agencies\" or \"agency\" when referencing the singular) have observed and reviewed arrangements between banks and financial technology (fintech) companies. The agencies support responsible innovation and banks pursuing bank-fintech arrangements in a manner consistent with safe and sound banking practices, and with applicable laws and regulations, including consumer protection requirements and those addressing financial crimes. Bank-fintech arrangements can provide benefits; however, supervisory experience has highlighted a range of potential risks with these bank-fintech arrangements. This request solicits input on the nature of bank-fintech arrangements, effective risk management practices regarding bank- fintech arrangements, and the implications of such arrangements, including whether enhancements to existing supervisory guidance may be helpful in addressing risks associated with these arrangements.","document_number":"2024-16838","html_url":"https://www.federalregister.gov/documents/2024/07/31/2024-16838/request-for-information-on-bank-fintech-arrangements-involving-banking-products-and-services","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-31/pdf/2024-16838.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-16838.pdf?1722343529","publication_date":"2024-07-31","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"facets of bank-fintech arrangements may create heightened or novel <span class=\"match\">risks</span> for banks relative to the <span class=\"match\">risks</span> associated with more traditional third-party vendor relationships. The following discussion of <span class=\"match\">risks</span> in bank-fintech arrangements is meant to be illustrative of certain select concerns and is not meant to be comprehensive.\n \n \n \n 9 \n  A fintech company may also use subcontractors (referred to variously as “nth-party <span class=\"match\">risk</span>,” “nested <span class=\"match\">risk</span>,” or “banking services supply chain <span class=\"match\">risk</span>”) in providing these services. Ineffectual oversight of subcontractors"}]}