Guidelines for Safeguarding Member Information
- The NCUA Board proposes removing Appendix A from the CFR and publishing it as a Letter to Credit Unions. - This change aims to clarify that Appendix A is not a regulation but...
Public regulatory intelligence
What changed and why it matters
A source-linked regulatory intelligence feed for Texas credit union compliance and executive leadership. Use it to catch up quickly before diving into the underlying material.
Start with the clearest developments below, then open the original source material when you need the governing detail. The source remains the authority.
Supervisory Committee Audits and Verifications
- NCUA proposes amendments to supervisory committee audit regulations to reduce burden and increase operational flexibility.
- The changes aim to simplify compliance without compromising audit integrity.
Corporate Credit Unions
- The NCUA Board is proposing to amend regulations for corporate credit unions by removing the requirement that an ALCO must have at least one member who is also a board member. - The...
Microsoft Patch Tuesday, December 2025 Edition
- Microsoft released 56 security updates for Patch Tuesday in December 2025, including a zero-day bug and multiple privilege escalation vulnerabilities. - The most critical bugs involve Microsoft Office and Outlook, with the potential...
CISA, FBI, and U.S. and Global Partners Urge Immediate Action to Defend Critical Infrastructure from Pro-Russia Hacktivist Threats
- Urgent call for critical infrastructure entities, including credit unions, to enhance cybersecurity measures against potential Pro-Russia hacktivist threats.
- Emphasis on immediate action and collaboration with U.S. and global partners.
Drones to Diplomas: How Russia’s Largest Private University is Linked to a $25M Essay Mill
The article discusses a large academic cheating network that uses Google Ads to generate nearly $25 million in revenue. The operation is linked to Russia’s largest private university and has multiple rebrands, including 'Nerdify'...
SMS Phishers Pivot to Points, Taxes, Fake Retailers
- Phishing groups are pivoting from package delivery and toll fee scams to create fake e-commerce websites that convert payment card data into mobile wallets. - Scammers are using SMS lures such as unclaimed...
Meet Rey, the Admin of ‘Scattered Lapsus$ Hunters’
- Rey, the technical operator and public face of Scattered LAPSUS$ Hunters, has confirmed his real-life identity.
- The group is known for using social engineering tactics and recruiting insiders for ransomware attacks.
Is Your Android TV Streaming Box Part of a Botnet?
The Superbox media streaming device requires users to install apps that can potentially turn their network into a part of a botnet; the device bypasses paywalls and provides free access to numerous channels, but...
CFPB’s Supervision Division Releases New 'Humility Pledge'
The CFPB's Supervision Division has changed its approach to exams; previously seen as a weaponized arm under Director Chopra and Lorelei Salas, now undergoing changes. Director Salas was put on leave in February 2025.
Mozilla Says It’s Finally Done With Two-Faced Onerep
- Mozilla is ending its partnership with Onerep after 16 months due to concerns over the founder's activities. - Current Monitor Plus subscribers will retain access until December 17, 2025, and will receive prorated...
The Cloudflare Outage May Be a Security Roadmap
- The Cloudflare outage provided an impromptu network penetration test for organizations that rely on Cloudflare’s services. - Security experts recommend reviewing WAF logs and assessing the effectiveness of internal security measures during the...
CFPB Notifies Court it Cannot Lawfully Draw Funds from the Federal Reserve
• The Consumer Financial Protection Bureau (CFPB) has informed the court that it cannot legally request funds from the Federal Reserve under Dodd-Frank. • This decision comes from the Department of Justice’s Office of...
CFPB Reaches Settlement with FirstCash, Inc. and Its Subsidiaries for Military Lending Act Violations
• FirstCash, Inc., and its nineteen subsidiaries agreed to a settlement with the CFPB for Military Lending Act violations. • The stipulated final judgment and proposed order will resolve the lawsuit if entered by...
CFPB Amends Wise Order for Remittance Practices
- The CFPB amended a January 30, 2025 consent order with Wise regarding inaccurate fee advertising and inadequate disclosure of exchange rates.
- This amendment focuses on remittance practices.
CFPB Announcement Regarding Enforcement Actions Related to Buy Now, Pay Later Loans
The CFPB will not prioritize enforcement actions related to the Truth in Lending Act for Buy Now, Pay Later loans accessed through digital user accounts; this announcement does not change existing compliance requirements.
CFPB Keeps Its Enforcement and Supervision Resources Focused on Pressing Threats to Consumers
• The CFPB will not prioritize enforcement or supervision actions for entities outside the stay imposed under Texas Bankers Association v. CFPB. • This announcement does not change the focus on pressing threats to...
CFPB Offers Regulatory Relief From Registration Requirements for Small Loan Providers
- Credit unions are not subject to prioritized enforcement or supervision actions for non-compliance with registration deadlines under the 'Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders' regulation. - This...
2024 HMDA Data on Mortgage Lending Now Available
• The 2024 Home Mortgage Disclosure Act (HMDA) data is now available, containing loan-level information from financial institutions with consumer privacy protections. • This data provides insights into mortgage lending practices and can be...
CFPB Offers Regulatory Relief for Small Loan Providers
- The Bureau will focus on threats to consumers, particularly servicemen and veterans.
- No specific actions are required for credit unions based on this announcement.
CFPB Seeks to Vacate Abusive, Unjust Case Against Townstone
The CFPB is seeking to vacate an enforcement action against Townstone; the case was deemed abusive and unjust.
Statement on Designation of Treasury Secretary Scott Bessent as Acting Director of the Consumer Financial Protection Bureau
- Scott Bessent was designated as Acting Director of the Consumer Financial Protection Bureau on January 31, 2025.
- This designation impacts credit unions' compliance with consumer financial protection regulations.
CFPB Orders Wise to Pay $2.5 Million for Illegal Remittance Practices
- Wise was ordered to pay $2.5 million for illegal remittance practices.
- The CFPB took enforcement action against the international remittance company.
CFPB Updates List of Consumer Reporting Companies
- The Consumer Financial Protection Bureau (CFPB) has released its annual list of consumer reporting companies.
- This update is relevant for credit unions in terms of compliance with data handling and reporting requirements.
CFPB Finds Servicemembers Pay More in Auto Lending Market
- U.S. servicemembers face higher costs and greater financial risks in auto lending.
- The CFPB published a report highlighting these issues.