The Federal Reserve Board, Office of the Comptroller of the Currency and Federal Deposit Insurance Corp. have issued information on the host state loan-to-deposit ratios, which are used to determine compliance under Section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994. Review the ratios in Dodd Frank Update ’s Library.

The Federal Reserve Board, Office of the Comptroller of the Currency and Federal Deposit Insurance Corp. have issued the latest list of distressed or underserved nonmetropolitan middle-income geographies. This list details where revitalization or stabilization activities will receive Community Reinvestment Act (CRA) consideration as community development. Review the list in Dodd Frank Update ’s Library.

The Consumer Financial Protection Bureau has released the annual adjustments to the dollar amounts of various thresholds under the Truth in Lending Act regulations that will apply to certain consumer credit transactions in 2017. Review the thresholds in Dodd Frank Update ’s Library.

The Financial Accounting Standards Board has issued its finalized Current Expected Credit Loss (CECL) standard. Get the details in Dodd Frank Update ’s Library.

The Federal Reserve Board announced the release of its final rule on emergency lending. The rule, mandated by the Dodd-Frank Act, will implement amendments to Section 13(3) of the Federal Reserve Act.

The Federal Housing Finance Agency issued a final rule outlining the housing goals for Fannie Mae and Freddie Mac. The goals cover single-family and multifamily housing for low-income families. Read on for more details.

This Federal Reserve Board final rule implements Section 622 of the Dodd-Frank Act, which generally prohibits a financial company from combining with another company if the ratio of the resulting company’s liabilities exceeds 10 percent of the aggregate consolidated liabilities of all financial companies. 

The Consumer Financial Protection Bureau finalized a set of amendments to its ability-to-repay rule, including a mechanism where lenders who exceed the rule’s points and fees cap for qualified mortgages can refund the excess amount and have the loan retain QM status. 

Six federal agencies that have been trying for years to implement Dodd-Frank’s credit risk retention provisions unveiled final rules Oct. 21 that will align the key “qualified residential mortgage” definition with the Consumer Financial Protection Bureau’s "qualified mortgage” definition. The agencies finalized the rules despite continued concern from some top regulators.

The Consumer Financial Protection Bureau finalized a rule that allows it to supervise large nonbank international remittance providers for the first time. The rule, first proposed in January, will apply to an estimated 25 nonbank companies deemed “larger participants” in the international remittance market.