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
- The G-SIB surcharge is expected to increase to 3.5 percent from 3.0 percent in 2027.2027
- Bank of America Corporation must submit a resolution plan to the FDIC and Federal Reserve every two years.
- The company sold approximately $2.3 billion of loans to GSEs in 2025, primarily Freddie Mac (FHLMC).2025
- The December 2024 OCC Consent Order against BANA relating to certain aspects of its BSA, anti-money laundering and economic sanctions compliance programs.December 2024
- FHLMC and Fannie Mae are in conservatorship with FHFA as conservator.
- 30-year fixed-rate mortgages more than doubled from 2021.2021
- Regional dispersion in housing prices since the beginning of 2025.2025
- The company has entered into orders or settlements with certain government agencies regarding the rates paid on uninvested cash in brokerage and investment advisory accounts that is swept into interest-paying bank deposits.
- The company has entered into orders or settlements with certain government agencies regarding credit card sales and marketing practices and representment fee practices.
- The company has entered into orders or settlements with certain government agencies regarding its participation in implementing COVID-19-related government relief measures and other federal and state government assistance programs, including unemployment benefit processing for California and certain other states.
- U.S. banking regulators are expected to release proposals in 2026 to revise methodologies for measuring risk-based capital adequacy, including RWA and G-SIB surcharge calculations.2026
- Changes to the 2025 Budget Reconciliation Act could affect the company.2025
- OECD global minimum tax of 15% on a country-by-country basis is being enacted in some OECD countries where the company operates.
- U.K. net deferred tax assets consist primarily of net operating losses expected to be realized over an extended number of years.
- The company is subject to a consent order regarding BSA/anti-money laundering and economic sanctions compliance programs.
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