July 2026 Newsletter
The most recent newsletter from the Atlanta Fed’s Supervision and Regulation Division includes information important to banks. This edition includes recent guidance from the Federal Reserve Board of Governors as well as information about recent and upcoming events of interest to financial institutions.
Supervision and Regulation Letters
No new supervisory guidance was issued in June.
View All Supervision and Regulation Letters by Year
What’s New
NEW—Thursday, August 13, 2026, 2:00 p.m. ET - 3:15 p.m. ET: Oil and Gas Update
Global energy markets continue to be affected by geopolitical events around the world, changing domestic economic conditions, and fast-moving changes in AI development and adoption. These emerging trends can have impacts on energy demand, and this Ask the Fed session will address them.
Email your questions to questions@askthefed.org.
How Are Small Businesses Doing in the Southeast? A Look at the Latest Survey Results
The Federal Reserve's 2025 Small Business Credit Survey provides insights into small business conditions across the Sixth Federal Reserve District. Analysis of more than 6,500 responses reveals that 69 percent of Sixth District small businesses reported poor or fair financial conditions, with rising costs, operating expenses, and uneven cash flow as the most common challenges. Despite mixed revenue performance in 2025, many firms expressed optimism about future conditions. The report includes detailed fact sheets in Alabama, Florida, Georgia, and Tennessee, as well as profiles for the Atlanta and Miami metro areas.
Read the Article on How Small Businesses are doing in the Southeast.
Smaller Institutions Embrace Faster Payments with FedNow
Since the launch of FedNow in July 2023, more than 1,800 financial institutions have signed up to participate in the service, with over 96 percent being smaller depository institutions with less than $10 billion in assets. This latest publication from the Federal Reserve Bank of Kansas City highlights steady growth in participation at nearly 30 percent year over year, led by small credit unions at 46.3 percent. Although adoption momentum continues, only 20.7 percent of small institutions currently use FedNow, so opportunity remains.
Read the Article on Smaller Institutions Embrace Faster Payments with FedNow.
Want to Know More?
To see more items relating to supervision and regulation, go to the Atlanta Fed’s Supervision and Lending web page or email us for information.
The Atlanta Fed’s redesigned website is here—and it’s faster, cleaner, and built to serve users better than ever. With a modern interface, intuitive navigation, and enhanced accessibility, it offers an improved digital experience to connect you to the information you’re looking for.
Want to Request a Speaker?
Atlanta Fed economists, senior officers, and subject matter experts are available to speak to your organization. Submit a request on our Speakers Bureau web page.
Press Releases
The following press releases are available on the Board’s Banking and Consumer Regulatory Policy website.
Information available on the Banking and Consumer Regulatory Policy website includes:
- 06/02/2026—Federal Reserve Board: Agencies remove additional references to reputation risk.
- 06/09/2026—Federal Reserve Board: Federal Reserve Board announces that results from its annual bank stress test will be released on Wednesday, June 24, at 4 p.m. EDT.
- 06/11/2026—Federal Reserve Board: Federal Reserve Board announces final rule that establishes data standards for certain information collections.
- 06/18/2026—Federal Reserve Board: Federal Reserve Board requests comment on proposal to require certain payment stablecoin issuers to maintain an effective customer identification program.
- 06/24/2026—Federal Reserve Board: Federal Reserve Board's annual bank stress test confirms that large banks are well positioned to weather a severe recession and able to continue to lend to households and businesses.
- 06/30/2026—Federal Reserve Board: Agencies release list of distressed or underserved nonmetropolitan middle-income geographies.
Bookmarks
Supervision and Regulation letters
Consumer Affairs letters
Board of Governors press releases
Federal Financial Institutions Examination Council press releases and announcements
Contact Information
If you need to change your bank contact information, do not send changes to us. To ensure a timely response, send them to:
Supervision Contact System
Email: supervision.contact@stls.frb.org
Support Center: 855-727-5919