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Regulatory documents and gavel on an executive desk representing new interagency lending guidance and its audit implications.
Credit & Lending Risk
July 14, 2026

New Federal Lending Guidance: Immediate Audit Implications

New interagency guidance from the OCC, FDIC, and NCUA sharpens supervisory expectations for lending to individuals not legally authorized to work in the United States, and it takes effect immediately. The guidance does not prohibit such lending, but it raises the bar on underwriting, income verification, portfolio risk, and fair lending compliance. Here is what audit teams need to evaluate now.
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