The ROAD to Housing Act became law on July 11, 2026. It replaced the reciprocal deposit cap that community banks have worked under since 2018, and the industry announcements that celebrated it did not say what the new limit is. Here is the number, the statute it sits in, and what it does to your brokered deposit line.
The stablecoin law told federal regulators to write the rules within twelve months. That deadline passed on July 18 with eleven proposals and no final rule. In the same twelve months, a Texas-led consortium of community banks went from an idea to a funded pilot with more than 50 member banks. Two clocks, one year, and only one of them is keeping time.
Most compliance guidance is written by lawyers for lawyers. This is the map for the person who actually has to approve the ad: what the rules cover, where marketers really get caught, and how to build review into your process without killing it.