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Regulation
06/11/2026

What Boards Should Know About the Regulatory Reset

Supervision has moved away from process and toward material risks. Here’s how boards can keep compliance on track.

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About the authors
Written by
Emily McCormick Vice President of Editorial & Research

Emily McCormick is Vice President of Editorial & Research for Bank Director. Emily oversees research projects, from in-depth reports to Bank Director’s annual surveys on M&A, risk, compensation, governance and technology. She also manages content for the Bank Services Program, including Bank Director’s Online Training Series. In addition to speaking and moderating discussions at Bank Director’s in-person and virtual events, Emily writes and edits for Bank Director magazine, BankDirector.com and Bank Director’s weekly newsletter, The Slant. She started her career in the circulation department at the Knoxville News-Sentinel and graduated summa cum laude from The University of Tennessee with a bachelor’s degree in Spanish and International Business.

Emily McCormick
Vice President of Editorial & Research
There’s been a marked shift in the supervisory environment, with recent rulemaking from the prudential regulators — the Federal Deposit Insurance Corp., the Office of the Comptroller of the Currency and the Federal Reserve — emphasizing material financial risks over more qualitative, subjective concerns. In October 2025, the three agencies issued a joint notice of proposed rulemaking to define an unsafe or unsound practice that would warrant the issuance of matters requiring attention, or MRAs. Those communications — which aren’t public — are used to push bank management teams and boards to address practices deemed deficient by the examiner. In…

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WRITTEN BY

Emily McCormick

Vice President of Editorial & Research

Emily McCormick is Vice President of Editorial & Research for Bank Director. Emily oversees research projects, from in-depth reports to Bank Director’s annual surveys on M&A, risk, compensation, governance and technology. She also manages content for the Bank Services Program, including Bank Director’s Online Training Series. In addition to speaking and moderating discussions at Bank Director’s in-person and virtual events, Emily writes and edits for Bank Director magazine, BankDirector.com and Bank Director’s weekly newsletter, The Slant. She started her career in the circulation department at the Knoxville News-Sentinel and graduated summa cum laude from The University of Tennessee with a bachelor’s degree in Spanish and International Business.