The Federal Reserve Board just finalized rule changes to boost stress test transparency and curb capital volatility. Here's what it means for US bank compliance leads, risk teams, and capital planners.

1️⃣ Federal Reserve Board — Stress Test Rules
The Federal Reserve Board finalized updates to boost transparency and lower volatility in supervisory stress test capital rules.
This step impacts bank holding firms, big banks, and foreign banking orgs subject to federal stress testing rules.
Compliance leads must review capital buffer rules, re-examine risk models, update bank policies, and adjust forward capital plans.

2️⃣ Securities and Exchange Commission — Timeshare Action
The SEC filed a settled action against Travel + Leisure Co. over alleged misleading timeshare loan portfolio metrics.
This targets public corporate issuers, disclosure managers, IR teams, and finance leads reporting custom metrics.
Corporate officers must audit portfolio disclosure rules, review custom loan metrics, update internal controls, and verify reported data.

3️⃣ Receita Federal do Brasil — Split Payment Testing
Receita Federal do Brasil launched operational testing for its Split Payment Public Platform to modernize tax rules.
This impacts payment firms, financial intermediaries, merchant acquirers, tax tech providers, and commercial platforms in Brazil.
Technical and tax teams should test platform APIs, verify transaction routing, update tax software, and adjust settlement tools.

4️⃣ Congresso Nacional — Rural Insurance Reform
Brazil's Congresso Nacional enacted Law 15.526/26, reforming rural insurance rules and expanding statutory producer benefits.
This applies to ag insurers, rural credit providers, policy managers, farm lenders, and agribusiness risk underwriters nationwide.
Underwriting leads must update policy terms, revise coverage criteria, retrain field staff, and realign risk tools with new legal standards.

5️⃣ Superintendencia de Banca, Seguros y AFP — Effective Capital
Superintendencia de Banca, Seguros y AFP approved a new framework for managing effective capital across financial firms in Peru.
This affects commercial banks, non-bank financial entities, credit unions, and risk compliance personnel operating in Peru.
Covered firms must evaluate effective capital ratios, update supervisory reports, adjust risk limits, and align internal capital models.

Full analysis in the attached RegNext Daily Americas Radar carousel.

— Elena Navarro · Managing Editor, RegNext
Daily Americas Radar · Wednesday 30 Sep 2026
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