Bank regulators narrow what counts as unsafe banking and when examiners can issue warnings
The Comptroller of the Currency and the FDIC define an unsafe or unsound practice as one breaking prudent standards and likely to materially harm a bank's finances or the insurance fund. Formal examiner warnings are limited to legal violations and practices reasonably expected to cause such harm.
Who it affects
Banks supervised by the Comptroller of the Currency or the FDIC
When
This rule takes effect on November 2, 2026.
- : Published in the Federal Register
- : This rule takes effect
Official text
FR Doc. 2026-17823: Unsafe or Unsound Practices, Matters Requiring Attention
On Federal Register. The official text is what counts; read it before you act.
Not legal advice. Plain-English summaries to help you find what changes and when. Not legal advice: read the official text, and ask a lawyer about your situation.