Fed Seeks Three-Year Extension for Regulation DD Data
Published Date: 7/9/2026
Notice
Summary
The Federal Reserve wants to keep collecting info under a rule called Regulation DD for three more years without changing it. This affects banks and businesses that share financial info with consumers. If you have thoughts, you’ve got until September 8, 2026, to speak up—no extra costs or new rules, just a smooth extension!
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Regulation DD Extended Three Years
The Federal Reserve proposes to extend the CFPB's Regulation DD information collection (OMB No. 7100-0271) for three years without any changes. Comments on the proposal must be submitted by September 8, 2026. Regulation DD implements the Truth in Savings Act and supports consumer disclosures of fees, the annual percentage yield (APY), and other deposit account terms so you can compare accounts.
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Key Dates
Related Federal Register Documents
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2026-15777, Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks; Bank Holding Companies
The Board is inviting public comment on proposed amendments to Regulation O, which governs loans by member banks to their insiders and insiders of their affiliates. The proposed amendments would update and modernize the regulation, increase transparency by clarifying requirements and incorporating existing interpretations, and promote efficiency by reducing regulatory burden. The proposed amendments also would incorporate existing statutory requirements that are not currently reflected in the regulation. Moreover, the proposed amendments would update several outdated dollar-based thresholds in Regulation O and index these thresholds going forward. In addition, the proposed amendments would address the application of Regulation O to member banks that lend to companies that are presumed to be controlled by large asset management companies through passive investment funds. Finally, the proposed amendments would revise and reorganize the regulation to streamline the text and make it more accessible.
2026-15774, Regulatory Modernization and Relief for Mutual Holding Companies
The Board invites comment on a notice of proposed rulemaking (proposal) to modernize the regulatory framework applicable to mutual holding companies (MHCs), primarily through proposed revisions to Regulation MM (12 CFR part 239), which governs the formation, operations, activities, and conversion of savings and loan holding companies in mutual form. The proposal would amend Regulation MM by, among other things, eliminating certain dividend waiver requirements, reducing burden associated with conversions from mutual-to-stock form, revising certain post-conversion restrictions, eliminating the requirement that subsidiary holding companies of MHCs obtain federal charters, and revising and clarifying other provisions of the regulation. The proposal also would amend the capital rule (12 CFR part 217) to clarify that certain mutual capital instruments may qualify as regulatory capital and to codify model term sheets for mutual capital certificates as appendices to the regulation.
2026-14373, Formations of, Acquisitions by, and Mergers of Bank Holding Companies
Some companies want to become bank holding companies or buy banks, and the Federal Reserve is checking their applications. If you have thoughts, you can send comments by August 17, 2026. This affects banks and their owners, and the process helps keep banking safe and fair.
2026-14060, Inflation Adjustments for Civil Money Penalties
The Federal Reserve announced that civil money penalties won’t go up in 2026 because inflation data wasn’t available due to a government shutdown. This means businesses and individuals facing these penalties will see the same amounts as in 2025. The freeze keeps things steady until new inflation numbers come in next year.
2026-14064, Formations of, Acquisitions by, and Mergers of Bank Holding Companies
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Previous / Next Documents
Previous: 2026-13858, Proposed Agency Information Collection Activities; Comment Request
The Federal Reserve wants to keep collecting some important info for three more years but with a few updates. If you or your business deals with the Fed’s data requests, now’s your chance to share your thoughts before September 8, 2026. This won’t cost you money but might change how you provide info to the Fed.
Next: 2026-13862, Government Securities: Call for Large Position Reports
The U.S. Treasury wants big holders of a special government note—those with $8.4 billion or more—to report their positions by July 13, 2026. This helps keep an eye on who’s holding lots of these notes due to mature in January 2026. If you’re under the threshold, no worries, but if you’re over, it’s time to submit your info online or by fax.