2025 Recap

This episode provides a high-level recap of the major regulatory compliance themes covered in 2025. Dean highlights intense regulatory volatility, especially around CRA and Section 1071, including rule freezes, proposed repeals, litigation, delayed compliance dates, and the CFPB’s move toward an interim final rule for small-business lending data collection.

The discussion also revisits key fair lending, redlining, and data-analysis topics, along with rising operational risks such as BSA/AML/KYC modernization, third-party risk management, and expanding concerns around AI, data governance, cybersecurity, and privacy. Consumer protection issues featured prominently, particularly Regulation E error-resolution failures, elder financial exploitation, and recurring flood compliance violations.

The takeaway for compliance and risk officers: conduct a CMS health check, document lessons learned from 2025, and proactively brief senior management and the board with a clear 2026 risk and compliance plan focused on these evolving priorities.

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