federal-reserve
Every record this desk has filed under federal-reserve, newest first, each with the number of sources it can still show you.
American Express and its national bank consent to Federal Reserve and OCC orders over anti-money-laundering compliance; the bank agrees to pay $350 million
On October 8, 2026, the Federal Reserve (Fed) and the Office of the Comptroller of the Currency announced separate orders over anti-money-laundering controls at American Express. The Fed's consent order sets no dollar penalty and calls for written plans within 90 days. The OCC's orders against American Express National Bank include a $350 million civil money penalty. None of the three orders mentions refunds or any step customers must take.
Also filed underamerican-expressanti-money-launderingoccbank-regulationsuspicious-activity-reports
Fed survey: between the 2022 and 2025 surveys, median family income rose 7 percent to $82,200 after inflation while mean family income fell 6 percent to $145,200
The Federal Reserve Board released its 2025 Survey of Consumer Finances on October 9. After inflation, median family income rose 7 percent to $82,200 between the 2022 and 2025 surveys, while mean family income fell 6 percent to $145,200. Median net worth rose 2 percent to $215,900 and mean net worth 7 percent to $1.24 million. The share of families with debt payments above 40 percent of income rose from 6.5 to 8.6 percent.
Also filed undersurvey-of-consumer-financeshousehold-incomenet-worthhousehold-debthomeownership
Minutes of the Fed's FOMC show a unanimous 12-0 vote in September to raise the federal funds target range to 3-3/4 to 4 percent
The Federal Reserve released minutes of the Federal Open Market Committee's September 15-16 meeting on October 7. They show all 12 voting members supported raising the target range for the federal funds rate a quarter percentage point, to 3-3/4 to 4 percent, effective September 17, with none voting against. The minutes record one vote but different reasons: many participants called the higher path prudent on risk-management grounds, a number called it necessary on their own forecasts, and most assessed another increase would likely be appropriate by year end.
Also filed underfomcinterest-ratesinflationmonetary-policy
Federal Reserve gives the public 30 more days, until November 4, to comment on its proposed rewrite of the rules on bank loans to their own executives and directors
The Federal Reserve extended the comment period on its proposal to rewrite Regulation O, the rule on loans banks make to their own executives and directors, to November 4, 30 days past the original October 5 deadline. The Board says commenters requested more time and gives no other reason. The proposal, which is not in effect, would raise decades-old dollar limits — among them the board-approval threshold, from $500,000 to $2 million. Comments citing Docket No. R-1896 are due November 4, through the Board's website or its Washington office.
Also filed underbankingregulation-oinsider-loansrulemaking
Federal Reserve final rules open stress-test scenarios and material model changes to public input and average two years of results in capital buffers from 2029; 2027 model comments due December 1
The Federal Reserve Board published two final rules and a request for comment on October 2. One rule sets a yearly calendar for putting stress-test scenarios and material model changes out for public input; under the other, a bank tested in consecutive years gets a capital buffer built on two years of results, starting January 1, 2029. Comments on proposed 2027 model changes must be received by December 1, 2026.
Also filed understress-testbank-capitalstress-capital-bufferfederal-registerfinal-rule
The Federal Reserve's stablecoin proposal, publishing September 29 with 60 days for comment, would make the issuers it supervises pay holders within two business days and, if reserves fall below one-to-one, start liquidating by 5 p.m. on the business day after a 24-hour plan deadline, with no redemption fees, unless backing is restored or the Fed directs the issuer to follow its plan.
The Federal Reserve Board's proposed rule implementing the GENIUS Act (Docket R-1899, FR Doc. 2026-19860), on public inspection September 28 and scheduled for Federal Register publication September 29, sets terms for the stablecoin issuers the Fed will supervise. Issuers would have to redeem within two business days of a request, for any amount of one coin or more, after customer screening. An issuer whose reserves fall below one-to-one would have 24 hours to notify the Fed and file a plan, and must begin liquidating by 5 p.m. on the business day after that deadline unless it has restored full backing or the Fed directs it to follow its plan, charging no redemption fees and issuing no new coins while it does. The Fed would presume that yield paid to holders through an issuer's affiliates, yield-service firms or brand partners is prohibited. The redemption rules do not reach trading on exchanges, and the Fed says no bank it supervises currently owns a stablecoin issuer. Comments close 60 days after publication; that lands on Saturday, November 28, which Federal Register rules push to Monday, November 30, 2026, by Hugin's count. The printed notice will state the date.
Also filed understablecoinsgenius-actcryptoconsumer-protectionfederal-registerpublic-comment
In two days, federal banking regulators let 188 more banks go eighteen months between examinations and proposed to rescind the third-party risk rules they wrote in 2023 — one effective before anyone could comment, the other resting on what banks told them.
On September 10 the Federal Reserve, FDIC and OCC issued an interim final rule raising the asset threshold for an extended 18-month examination cycle from $3 billion to $6 billion. It took effect on publication, September 14, without prior comment; comments close October 14. The agencies estimate about 188 more institutions become eligible, bringing the total to 4,016. They acknowledge in the rule that a longer cycle 'creates a longer window during which emerging problems could develop before being detected' and conclude it would not 'appreciably' raise failure risk, without defining the word or attaching a number. No savings estimate is given either. The next day the same agencies, joined by the NCUA, proposed guidance that would replace the 2023 interagency third-party risk guidance and four further documents, on the stated ground that the 2023 guidance 'frequently has been interpreted in an overly broad manner' — a diagnosis sourced to stakeholder feedback, with no study cited. Governor Michael S. Barr dissented.
Also filed underbankingfdicoccsupervisionthird-party-risk
The Federal Reserve raised interest rates a quarter point on September 16, to a range of 3.75 to 4 percent, by a unanimous vote. Its own projections put one more increase on the table before the year ends.
The Federal Open Market Committee raised the federal funds target range by a quarter point to 3-3/4 to 4 percent on September 16, 2026, voting 12 to 0. In July it had held the rate, with three members dissenting in favour of a hike. The statement's reason fits in three words, 'Inflation remains elevated', and it says the increase 'will support a timelier return' to the 2 percent goal. The Fed's projections raised its median inflation estimate for 2026 to 3.7 percent and its median year-end rate to 4.1 percent, up from 3.8 in June. Twelve of the 18 officials put the rate at 4.125 percent at the end of 2026, a quarter point above where it now sits. The next meeting is October 27 and 28. The Fed's documents say nothing about what this means for mortgages, credit cards or savings.
Also filed underinterest-ratesinflationfomceconomy
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