Treasury's Reg Agenda: Because Paperwork Loves Company
Published Date: 8/14/2026
Proposed Rule
Summary
This notice is given pursuant to the requirements of the Regulatory Flexibility Act and Executive Order 12866 ("Regulatory Planning and Review"), as amended, which require the publication by the Department of an agenda of regulations.
Analyzed Economic Effects
8 provisions identified: 1 benefits, 6 costs, 1 mixed.
Changes to bank customer due diligence
FinCEN intends to revise customer due diligence (CDD) rules to account for beneficial ownership reporting under Section 6403(d) of the Corporate Transparency Act. If you own or run a small company, banks and other financial institutions may collect or verify new beneficial-ownership information when you use their services.
New ID program rules for investment advisers
FinCEN (with the SEC) plans to reissue a proposed rule that would require registered investment advisers (RIAs) and exempt reporting advisers (ERAs) to establish customer identification programs (CIPs) as part of their anti-money-laundering programs. Advisers would need written procedures to identify and verify customer identities, which creates new compliance obligations for those firms.
Revision of AML/CFT program rules
FinCEN is proposing a new rule to revise requirements for financial institutions' anti-money-laundering and countering the financing of terrorism (AML/CFT) programs, superseding an earlier 2024 proposal. The revision is aimed at modernizing Bank Secrecy Act implementation and implementing parts of the AML Act.
Stablecoin issuers treated as financial institutions
FinCEN and OFAC plan to propose rules implementing the GENIUS Act that would treat permitted payment stablecoin issuers (PPSIs) as financial institutions under the Bank Secrecy Act and require PPSIs to maintain anti-money-laundering/countering-the-financing-of-terrorism (AML/CFT) obligations and an effective sanctions compliance program.
Stablecoin users subject to ID checks
The agencies also plan a proposed rule requiring permitted payment stablecoin issuers (PPSIs) to maintain an effective customer identification program (CIP). If you hold or use stablecoins, issuers may require identity verification before you can transact with them.
Changes to bank risk-based capital rules
The OCC, Federal Reserve Board, and FDIC plan a joint proposed rule to revise risk-based capital rules that apply to bank holding companies and depository institutions that are not Category I or Category II. The agencies intend to update how risk-weighted assets and regulatory capital are calculated for those firms.
Investment clients may face ID verification
Under the proposed CIP rule for RIAs and ERAs, advisers would be required to implement procedures to identify and verify the identity of their customers so they can form a reasonable belief about the customer's true identity. If you are a client of an investment adviser, you would likely need to provide identity documents or verification information.
New thresholds for insider lending
The OCC and FDIC are considering a proposed rule to set new quantitative thresholds for extensions of credit to insiders and transactions with affiliates for OCC- and FDIC-supervised institutions to reduce burden and focus supervisory attention on material risk. This would change how certain insider and affiliate transactions are treated by supervisors.
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Key Dates
Related Federal Register Documents
2026-16576, Beneficial Ownership Information Reporting Requirement Revision
FinCEN is issuing this final rule to adopt as final and with certain limited changes the interim final rule issued on March 26, 2025, which narrowed beneficial ownership information (BOI) reporting requirements under FinCEN's regulations implementing the Corporate Transparency Act (CTA). In particular, this final rule not only continues to exempt reporting companies from having to report the BOI of U.S. person beneficial owners and U.S. person beneficial owners from having to provide BOI to reporting companies; it also exempts reporting companies from having to submit information about their U.S. person company applicants to FinCEN and exempts U.S. person company applicants from any obligation to provide their information. In addition, the final rule exempts all U.S. persons from the requirement to update information already provided to FinCEN in connection with obtaining a FinCEN identifier (FinCEN ID).
2026-11140, Federal Independent Dispute Resolution Operations
Starting soon, health plans and insurers must share clearer info when they pay or deny surprise medical bills. They’ll use special codes to explain these decisions, especially when dealing with folks they don’t have contracts with. This helps patients and providers understand bills better and speeds up fixing disputes, with no extra costs for most people.
2026-08143, Streamlining Regulations Concerning Public Welfare Investments, Open Market Collateralized Loan Obligations, and Federal Savings Association Nondiscrimination Requirements
The Treasury’s Office of the Comptroller of the Currency wants to simplify some banking rules by removing outdated or confusing parts. This affects banks, especially federal savings associations and those dealing with certain loan investments. They’re asking for public feedback by May 27, 2026, aiming to cut red tape and make compliance easier without changing costs.
2025-21626, Regulatory Capital Rule: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions; Total Loss-Absorbing Capacity and Long-Term Debt Requirements for U.S. Global Systemically Important Bank Holding Companies
Big U.S. banks that are super important to the economy are getting new rules to keep them safer and stronger. These changes tweak how much money they must keep on hand and how they handle long-term debt, helping prevent financial trouble. The new rules kick in soon and could affect how these banks manage billions in assets and debt.
2025-18278, Occupations That Customarily and Regularly Received Tips; Definition of Qualified Tips
If you earn tips at work, these new rules show which jobs count as tip-earning and explain what counts as 'qualified tips' for tax deductions. The changes apply to tips received up to December 31, 2024, helping workers and employers know exactly what tips can lower their taxes. Get ready to keep better track of your tips and maybe save some money when tax time rolls around!
2025-05199, Beneficial Ownership Information Reporting Requirement Revision and Deadline Extension
FinCEN is making it easier for U.S. companies by only requiring foreign companies to report who really owns them. Domestic companies don’t have to report or update their ownership info anymore. Plus, foreign companies get more time—30 days—to file or fix their reports, and they don’t have to share info about U.S. owners, saving time and hassle.
Previous / Next Documents
Previous: 2026-16599, Agenda of Regulations
The internet has become the means for disseminating the entirety of the Department of Labor's regulatory agenda. However, the Regulatory Flexibility Act requires publication of a regulatory flexibility agenda in the Federal Register. This Federal Register Notice contains the regulatory flexibility agenda.
Next: 2026-16601, Unified Agenda of Federal Regulatory and Deregulatory Actions
This agenda announces the proposed regulatory actions that GSA plans for the next 12 months and those that have been completed since the spring 2025 edition. This agenda was developed under the guidelines of Executive Orders 12866, "Regulatory Planning and Review," Executive Order 13563, "Improving Regulation and Regulatory Review," Executive Order 14219, "Ensuring Lawful Governance and Implementing the President's `Department of Government Efficiency' Deregulatory Initiative," and Executive Order 14192, "Unleashing Prosperity Through Deregulation." GSA's purpose in publishing this agenda is to allow interested people an opportunity to participate in the rulemaking process. GSA also invites interested people to recommend existing significant regulations for review to determine whether they should be modified or rescinded. The public may provide comments on rules via http://www.regulations.gov. The Unified Agenda, including previous versions, is available at www.reginfo.gov. Because publication in the Federal Register is mandated for the regulatory flexibility agendas required by the Regulatory Flexibility Act (5 U.S.C. 602), GSA's printed agenda entries include only: (1) Rules that are in the agency's regulatory flexibility agenda, in accordance with the Regulatory Flexibility Act, because they are likely to have a significant economic impact on a substantial number of small entities; and (2) Any rules that the agency has identified for periodic review under section 610 of the Regulatory Flexibility Act. Printing of these entries is limited to fields that contain information required by the Regulatory Flexibility Act's agenda requirements. Additional information on these entries is available in the Unified Agenda. In addition, for fall editions of the agenda, the entire Regulatory Plan will continue to be printed in the Federal Register, as in past years, including GSA's regulatory plan.