Alex here.

This is the Bank Reg Pulse Intelligence Brief for Saturday, April 11th, 2026.

Three significant regulatory developments are shaping the banking landscape today.

The Treasury Department has issued new guidance on reputation risk in regulatory oversight.

The FDIC has released its latest Financial Services Digest.

And federal agencies are moving forward with proposed regulations to implement the GENIUS Act — a major step in modernizing banking services.

Let's dig into what matters for your institution.

First, the Treasury's position on reputation risk.

Regulators have historically factored an institution's reputation into their supervisory decisions.

The Treasury has issued new guidance addressing the use of reputation risk in regulatory oversight.

This matters because it directly impacts how examiners evaluate your bank and what factors inform regulatory scrutiny.

Banks and compliance teams should review this guidance carefully to understand the Treasury's position on this issue.

Watch for how this guidance influences examination protocols at your primary regulator over the coming months.

Next, the FDIC's Financial Services Digest.

This publication updates the banking community on supervisory expectations and emerging issues.

The FDIC uses these digests to communicate priorities and guidance across the industry.

For compliance and risk professionals, these updates provide insights on supervisory focus areas and best practices.

Review the latest digest carefully — it typically highlights areas where the FDIC is directing examination attention.

The third item is substantial: the FDIC and Treasury are jointly proposing regulations to implement the GENIUS Act.

This legislation addresses how banking-as-a-service arrangements operate.

The proposed rules are expected to shape the regulatory framework governing these arrangements and how traditional banks interact with service providers.

This is critical for any institution engaged in BaaS partnerships or considering them.

The regulatory framework continues to evolve.

Expect a comment period and additional guidance as these proposals move through the rulemaking process.

For the full analysis and additional regulatory developments, check your Bank Reg Pulse daily briefing in your inbox, or catch the weekly digest every Sunday.

I'm Alex.

This has been the Bank Reg Pulse Intelligence Brief.

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