• videocam Live Webinar with Live Q&A
  • calendar_month December 1, 2026 @ 1:00 PM ET/10 AM PT
  • signal_cellular_alt Intermediate
  • card_travel Banking and Commercial Finance
  • schedule 90 minutes

Banking and Financial Services Regulatory Update: Insider Lending, Digital Assets, M&A, Preemption, Enforcement

Preparing Institutions for Regulatory Change, Compliance, Federal Recalibration, and State Enforcement Expansions

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About the Course

Introduction

This CLE course will examine key 2026 federal and state banking and financial services developments, including proposed insider lending changes, digital assets, Bank Secrecy Act (BSA) and Anti-Money Laundering/Countering the Financing of Terrorism (AML/CFT) obligations, chartering, and mergers. The panel will address preemption, enforcement priorities, compliance strategies, and the 2027 regulatory outlook.

Description

In 2026, technology advancements and shifts in federal regulation and enforcement materially changed banking and financial services. Executive orders reshaped BSA, AML/CFT, and lending obligations. Federal agencies asserted preemption over state interchange and escrow laws, while the OCC, FRB, and FFIEC recalibrated supervisory expectations amid related court challenges.

The Federal Reserve Board recently proposed a comprehensive revision of Regulation O governing bank credit to executive officers, directors, principal shareholders, and their affiliates (collectively, the "insiders"). At the same time, the FDIC proposed raising and indexing certain insider lending thresholds for FDIC-supervised institutions (the FDIC proposal). Some view the enacted and proposed 2026 changes as reshaping the financial ecosystem on a scale comparable to the 2008 financial crisis and Dodd-Frank reforms. As federal policy shifts and oversight eases, states are taking a larger role in financial services regulation.

During this presentation, our faculty will explore the most significant federal banking and financial services developments of 2026, including recently proposed changes to Regulation O and FDIC's insiders' lending thresholds; changes in bank regulation related to digital assets; financial institution chartering; mergers and acquisitions standards; third-party risk management; and more. Time will also be spent examining state efforts to reshape financial services regulation, highlighting key categories of state legislative activity, the OCC's increasingly active preemption position and state responses, and the evolving interplay between state and federal regulators. The panel will also address current enforcement priorities among state agencies, including attorneys general, and offer practical insights on emerging trends.

Listen as our panel provides an authoritative analysis of key federal and state developments in banking and financial services, the compliance strategies financial services and bank institutions need to implement now, and how to prepare for changes on the horizon. 

Credit Information

  • This 90-minute webinar is eligible in most states for 1.5 CLE credits.


  • Live Online


    On Demand

Date + Time

  • event

    Tuesday, December 1, 2026

  • schedule

    1:00 PM ET/10 AM PT

I. Proposed changes to Regulation O and FDIC insiders' lending thresholds: what's to come and how to prepare for it

II. Digital assets and banking services: GENIUS Act, CLARITY Act, and SEC/CFTC interpretive guidance

III. Regulatory changes and EOs affecting BSA and AML/CFT obligations

IV. Charter changes: breaking down enacted and proposed changes

A. OCC final rule on national trust bank charters

B. Illinois Interchange Fee Prohibition Act and FDIC's NPR expanding federal preemption for out-of-state, state-chartered banks

V. OCC's 2025 Interim Merger Rule and FDIC Proposed Rule on Bank Merger Transactions

VI. Key 2026 state banking and lending developments and financial institution impacts

A. Digital Asset Banking Act for state-chartered custody and staking services

B. Consumer lending, including online lending, alternative lending products, and AI

C. Licensing laws and state usury laws

D. Marketing-related risks related to disclosures, AI, and data collection, and other emerging areas

E. Fintech, banking partnerships, and BNPL efforts

VII. 2027 Federal and state regulatory outlook: anticipated capital reforms, changes to fair lending and SBA rules, and more

The panel will address these and other key considerations:

  • What do banks need to know about proposed Regulation O and FDIC insider lending threshold changes?
  • How have BSA and AML/CFT programs changed in 2026?
  • How have the GENIUS Act, CLARITY Act, and state laws reshaped bank digital asset activities?
  • How will OCC and FDIC charter and preemption efforts affect banks and financial institutions?
  • In what ways do state lending, licensing, and usury laws create risk for banks, financial services firms, fintech partnerships, and BNPL products?
  • What federal and state regulatory changes are expected in 2027?
  • How can financial institutions improve state regulatory compliance efforts and mitigate enforcement risk?