As we head into 2026…
Financial institutions have a host of important deadlines and milestones to prepare for. Staying ahead of these key dates is crucial for regulatory compliance, operational efficiency, and strategic planning. To help you navigate the year, we compiled a list of the most critical dates to keep on your radar.
Quarter 1: Setting the Foundation
January 1, 2026
New Year’s Day (Federal Holiday): Financial institutions are closed.
Regulation Updates: Ensure compliance with any regulations taking effect on the first of the year. Confirm your compliance courseware reflects updated 2026 threshold amounts where applicable.
January 19, 2026
Martin Luther King Jr. Day (Federal Holiday): Financial institutions are closed.
February 16, 2026
President’s Day (Federal Holiday): Financial institutions are closed.
March 1, 2026
HMDA Reporting Deadline: Institutions subject to HMDA must submit their 2025 data to the CFPB.
March 15, 2026
IRA Contribution Deadline Notification: Remind customers about the upcoming April 15 deadline for 2025 IRA contributions.
March 31, 2026
Quarter-End Close: Begin preparing financial statements and regulatory reports for Q1.
Quarter 2: Tax Season and Mid-Year Planning
April 15, 2026
Tax Day: Expect increased customer inquiries on tax refunds and payments.
IRA Contribution Deadline: Final day for customers to contribute to 2025 IRAs.
May 25, 2026
Memorial Day (Federal Holiday): Financial institutions are closed.
June 19, 2026
Juneteenth National Independence Day (Federal Holiday): Financial institutions are closed.
June 30, 2026
Call Reports Due: Banks and credit unions must submit Q2 call reports to their regulators.
Quarter 3: Strategic Focus
July 4, 2026
Independence Day (Federal Holiday): Financial institutions are closed.
September 7, 2026
Labor Day (Federal Holiday): Financial institutions are closed.
September 30, 2026
Fiscal Year-End for Many Institutions: Begin preparing year-end financial, tax, and compliance documentation.
Quarter 4: Year-End Deadlines
October 1, 2026
Cybersecurity Awareness Month: Ideal time to reinforce cybersecurity best practices with employees and customers.
October 12, 2026
Columbus Day / Indigenous Peoples’ Day (Federal Holiday): Financial institutions are closed.
November 11, 2026
Veterans Day (Federal Holiday): Financial institutions are closed.
November 26, 2026
Thanksgiving Day (Federal Holiday): Financial institutions are closed.
December 25, 2026
Christmas Day (Federal Holiday): Financial institutions are closed.
December 31, 2026
Year-End Planning: Deadline for many compliance, tax, and strategic initiatives. Ensure all year-end filings and reports are submitted.
Customer Communications: Remind customers of key year-end deadlines related to IRAs, tax planning, and other financial services.
Stay Current. Stay Compliant.
Navigating these dates can feel overwhelming, but proactive planning makes all the difference. At OnCourse Learning, we provide comprehensive training and resources to keep your institution compliant, prepared, and operating smoothly all year long. Let us help you make 2026 your most successful year yet.
Note: The holidays listed below are those observed by the Federal Reserve System. Your financial institution may or may not close for all of these holidays, some remain open for client convenience.
