Weekly regulatory feed — compliance team inbox dump - CFPB: Final rule amending Regulation Z (TILA) – small-dollar loan disclosure requirements. Lenders originating closed-end consumer loans under $10,000 must provide revised cost-of-credit comparison disclosures. Effective date: Sept 1, 2026. Docket CFPB-2026-0014. - OCC: Bulletin 2026-18 – Guidance on third-party risk management for AI-assisted underwriting models. All national banks and federal savings assns using ML/AI decisioning must complete a model risk governance attestation by Dec 31, 2026. - FinCEN: Notice 2026-06 – Updated beneficial ownership reporting thresholds under the Corporate Transparency Act. New threshold: entities with >$20M gross receipts OR >20 employees now exempt. Takes effect July 15, 2026. (Note: applies to our business-banking customers' reporting obligations, not directly to us as filer.) - FDIC: FIL-34-2026 – Interagency statement on managing interest rate risk in a declining rate environment. Not a rulemaking; supervisory expectations letter only. Highlights ALCO governance expectations for community banks. - CA DFPI: Bulletin CFL-2026-09 – California Financing Law annual report form updated; new fields required for non-bank consumer lenders re: military borrower data. Submission deadline: Aug 15, 2026. - OCC: Bulletin 2026-21 – Guidance on bank merger applications processing timelines. Clarifies CRA review process for acquisitions over $10B in assets. (Not applicable — we are under $1B.) - CFPB: Consumer advisory on medical debt credit reporting. This is a public consumer information release, not a rulemaking. No compliance obligation; for informational awareness only. - Federal Reserve: SR Letter 26-4 – Updated examination procedures for BSA/AML compliance at state member banks. Effective immediately for exam cycles beginning after July 1, 2026.