Insight · Powered by Auditrol
U.S. State Bank / Credit Union Regulations
Proof of concept, sample data. Summaries are hand-drafted samples from official text. Not legal advice, and not a government website. Always check the linked official source.
A plain-language guide to how each U.S. state regulates state-chartered banks and credit unions, with a citation to the official source on every line. It runs on one shared dataset that Auditrol renders as the guide, and that RegReady uses to choose which state rules apply in a bank or credit union scan.
chrisnobili-states.netlify.app
Why North Carolina and South Carolina first
The build plan starts on the East Coast, with South Carolina and North Carolina as the proof-of-concept states. Both are covered in full: regulators, statutes and admin code, an 18-topic grid, hand-drafted summaries and a "What changed" list. New York is a secondary sample, and the rest of the East Coast appears as seed rows.
The two states make a useful pair. North Carolina splits its regulators (the Office of the Commissioner of Banks for banks, the Credit Union Division for credit unions), while South Carolina's State Board of Financial Institutions covers both. A credit union expanding from South Carolina into North Carolina can compare them side by side; the plan flags differences on credit union powers parity (a ceiling in SC versus rule-by-consent in NC) and on interest (board-set rates in SC versus an 18% APR cap in NC).
What it tracks
- Regulators for banks and credit unions, shown separately when they are different agencies.
- Laws: statute, then admin code, then bulletins, each linked to the official source.
- Institution counts from FDIC and NCUA data, with an as-of date.
- 18 topics, each scored separately for banks and credit unions with a status (verified, located, queued or n/a), a citation and a one-line answer.
- What changed: dated session laws, proposed rules, rules and enforcement items with source links.
- Federal overlay and a link into RegReady for a bank or credit union scan.
Views include a state map, a bank / credit union toggle, state profiles, compare (up to 3 states), a topic heatmap, search and the What changed feed.
The 18 topics
Charter & licensing
How a state bank or credit union gets (or converts) a charter
Bank powers parity
Whether state banks can use national-bank powers
Credit union powers parity
Whether state CUs can use federal-CU powers (floor or ceiling)
Interest rates & usury
State rate caps and who sets them
Lending limits & insider loans
Loans-to-one-borrower and insider lending rules
Branching & interstate
Branch approval, de novo and interstate branching
Consumer protection & local preemption
State consumer overlays; limits on local rules
State community reinvestment
State CRA-style duties
Cybersecurity & data privacy
State cyber rules and breach notice duties
Unclaimed property & dormant accounts
Dormancy periods and escheat reporting
CU field of membership
Who can join a state credit union
CU lending & investments
CU loan limits, business lending, investments
Holding companies & change in control
Acquisitions and control filings
Trust & fiduciary powers
Trust powers and trust companies
Assessments & fees
What the regulator charges supervised institutions
Examination & supervision
Exam authority, cycles, joint exams with FDIC/Fed/NCUA
Enforcement, conservatorship & receivership
Cease-and-desist, suspension, liquidation
Digital assets & fintech
Crypto kiosks, virtual currency, new tech activities
Status
Proof of concept with sample data. Agency names, URLs, citations and counts were checked against official sources on Oct 14, 2026; anything not checked is marked partial, located, queued or unverified. The planned address is states.chrisnobili.com; until it is connected, the live site is at the netlify.app address above.