FDIC ROUNDTABLE

For 2026, the workshop will emphasize navigating change in the banking industry.  John Maxwell once said: “Change is inevitable.  Growth is optional.”  While banks in the West navigate this changing environment, the 2026 workshop will address changes related to innovation and technologies influencing the future of banking from both a risk management and consumer compliance perspective.  The workshop will also address changes to the overall supervisory process, as well as key takeaways to consider in the areas of capital, earnings, liquidity, and interest rate risk.  The workshop will provide a more detailed discussion of asset quality, with a particular focus on commercial real estate lending and reserving for potential loan losses.  The workshop will also include a local economic update presented by the FDIC’s Division of Insurance and Research, as well as a Question-and-Answer session with a regulatory panel.  Below, you will find a description of sessions that we will hold throughout the Region.

Sessions will include:

• Emerging Technology: Innovation is impacting the financial industry at an unprecedented pace and creating opportunities and challenges for banks and their Boards. Join us for a discussion on technologies shaping the future of banking—including artificial intelligence, digital assets, and Congressional actions pertaining to stablecoins. This session will break down the GENIUS Act and touch on the status of ongoing rulemaking efforts. We will share best practices for evaluating new technologies and common risk management strategies. We will also highlight the continued importance of cybersecurity, information security, and data management in this changing landscape.

• Emerging Technology Consumer Compliance Risks: This session will focus on the consumer compliance impacts related to Fintechs, crypto, and third-party risk management.

• Supervisory Process and Key Financial Risks: Bank supervision and examination processes are changing to reorient the focus more on core, material financial risks with less emphasis on process-related risks. In addition, many other actions are being taken to streamline examination activities, modernize regulations, and promote innovation and technology adoption. This session will cover key changes in the supervisory process as well as key financial risks banks currently face.

• DCP Hot Topics and Examination Changes: Consumer compliance supervision and examination activities are also changing. The FDIC has reduced the frequency of consumer compliance and Community Reinvestment Act (CRA) exams, and ongoing work continues to enhance examination processes and modernize consumer regulations. This session will provide briefings on these changes, as well as other hot topics.

• Asset Quality: This session will cover current asset quality matters, with an emphasis on commercial real estate (CRE) lending, including levels, trends and warning signs of potential problems. We will also discuss modeling fundamentals related to CECL and the ACL.