BANK OF AMERICA CORP /DE/ (BAC) Risk Factors
FinancialsLatest 10-K filed Feb 25, 2026Source: SEC EDGAR
WealthWire extracted and classified 32 risk factors from BANK OF AMERICA CORP /DE/’s latest SEC filing, mapping each to a standardized risk taxonomy so they can be compared across every company and sector. The breakdown below shows how those disclosures distribute across risk categories.
Financial
10 factorsMarket & business
6 factorsESG & reputation
5 factorsLegal & regulatory
5 factorsTechnology
2 factorsOther
2 factorsOperations & people
2 factorsRecent key developments
Concrete developments — dated events, named agreements and instruments, legal proceedings — that BANK OF AMERICA CORP /DE/ surfaced in its latest filing.
- The Federal Reserve reduced policy rates in 2025.2025
- In December 2024, the OCC issued a Consent Order against BANA relating to certain aspects of its BSA, anti-money laundering and economic sanctions compliance programs.December 2024
- We sold approximately $2.3 billion of loans to GSEs, primarily Freddie Mac (FHLMC), during 2025.2025
- 30-year fixed-rate mortgages more than doubled from 2021.2021
- Regional dispersion in housing prices since the beginning of 2025.beginning of 2025
- Our G-SIB surcharge is expected to increase from 3.0 percent to 3.5 percent in 2027.2027
- U.S. banking regulators are expected to release proposals in 2026 to revise methodologies for measuring and reporting risk-based capital adequacy.2026
- OECD global minimum tax of 15% is being enacted in some countries where we operate.
- We have U.K. net deferred tax assets consisting primarily of net operating losses expected to be realized over an extended number of years.
- We are subject to the CCPA and GDPR regarding privacy and personal data.
- We are a member of various CCPs, resulting in credit risk exposure to those CCPs.
- We serve as servicer for residential mortgage securitizations and loans owned by other entities.
- Bank of America Corporation must submit a resolution plan to the FDIC and Federal Reserve every two years.
Go deeper on BAC
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