Treasury teases future regs in bland notice
Published Date: 8/14/2026
Notice
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
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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.