OCCGeneralAugust 27, 2026

OCC & FDIC Finalize Rule Defining 'Unsafe or Unsound Practice' and MRA Standards

The OCC and FDIC have jointly issued a final rule that formally defines 'unsafe or unsound practice' under the Federal Deposit Insurance Act and restructures the supervisory framework for issuing MRAs and other supervisory communications. This rule directly affects how examiners at both agencies will identify and escalate compliance deficiencies—including those related to digital assets, BSA/AML, and fintech partnerships—at banks and insured depository institutions. Institutions should update their compliance risk frameworks to align with the new definitions and thresholds.

What to do

Review the final rule text to understand the revised definition of 'unsafe or unsound practice' and updated MRA issuance criteria, then assess whether any current compliance gaps—especially in digital asset or BSA/AML programs—could meet the new thresholds for formal supervisory action.

Who this affects

Bank / Credit UnionTrust Company

Does this affect your program?

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Source

Read the official publication

This radar entry is educational and does not constitute legal advice. Summaries are AI-assisted and grounded in the linked official source; always verify against the primary source and consult qualified legal counsel for jurisdiction-specific guidance.

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