2025 Regulatory Compliance Updates for Banks & Credit Unions

2025 Regulatory Compliance Updates for Banks & Credit Unions

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Monthly Compliance Updates

There have been significant regulatory and compliance updates for banks and credit unions in 2025. Below are the key changes and their potential impact on you and your institution.


January 2025

FTC Finalizes Changes to COPPA

The FTC has finalized changes to the Children’s Online Privacy Protection Rule to set new requirements around the collection, use, and disclosure of children’s personal information and give parents new tools and protections to help them control what data is provided to third parties about their children.

Why Is This Important to Me?

Once the final rule has been published in the Federal Register, OnCourse Learning’s Advertising Compliance courses will be updated.

 

Fed Adjusts Interest Rates in Regs A and D

The Federal Reserve Board has published amendments to Regulations A and D to change interest rates paid to the Fed for primary and secondary credit and revise the rate paid on reserve balances maintained at Reserve Banks.

Why Is This Important to Me?

Share with applicable colleagues. 

 

HMDA Filing Period Open

The filing period for HMDA data collected in 2024 opened on January 1, 2025. Submissions are considered timely if received on or before Monday, March 3, 2025

Why Is This Important to Me?

Share with applicable colleagues responsible for reporting HMDA data. 


About the Author

Rachel Davis
Senior Product Manager at OnCourse Learning

With over a decade of experience in various roles within financial institutions, Rachel joined OnCourse Learning, where she has spent the past five years as the Senior Product Manager for the Bank & Credit Union vertical.

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