Regulatory Alerts2026-08-27
Added
Unsafe or Unsound Practices and Matters Requiring Attention: Final Rule
The term "unsafe or unsound practice" is defined for purposes of section 8 of the Federal Deposit Insurance Act, and the supervisory framework for the issuance of Matters Requiring Attention and other supervisory communications is revised. An unsafe or unsound practice constitutes a practice, act, or failure to act contrary to generally accepted standards of prudent operation that, if continued, is likely to materially harm the financial condition of an institution or present a material risk of loss to the Deposit Insurance Fund, or has already materially harmed the financial condition. Matters Requiring Attention may only be issued for practices meeting these material financial harm criteria or for actual violations of banking laws, and supervisory actions must be tailored based on factors such as capital structure, riskiness, complexity, activities, and asset size. These provisions apply to supervisory and enforcement activities prospectively only for supervised institutions and institution-affiliated parties and become effective 60 days after publication in the Federal Register.
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