Regulations & Policy


  • The Office of the Comptroller of the Currency logo
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    Jonathan Gould confirmed to lead OCC

    Senate Banking Committee Republicans said in a statement they hope Gould “return[s] the OCC to its true purpose of chartering and supervising banks to ensure a safe and sound banking system.”

    By July 10, 2025
  • Donald Trump and Jerome Powell
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    Column

    Dive Deposits: Summer is the season of regulator roulette

    The sidelining of the CFPB’s top fair-lending official, early-out of a leading Fed supervisor, and President Trump’s gripes toward Jerome Powell have turned July into a game of “start-bench-cut.”

    By July 9, 2025
  • Explore the Trendline
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    Trendline

    Fintech disruption in the banking industry

    There are as many schools of thought on how to disrupt the banking space as there are disruptors.

    By Banking Dive staff
  • CFPB open banking banks Russell Vought fintechs
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    Court denies open banking briefs

    A federal judge said “friend of the court” briefs wouldn't be helpful in litigation over the Consumer Financial Protection Bureau’s open banking rule.

    By Justin Bachman • July 9, 2025
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    Planet Hollywood sues Florida bank in alleged PPP fraud

    BankUnited forced Planet Hollywood and its affiliated companies to reapply for a PPP loan, for which they lost the opportunity to have at least $4.5 million forgiven.

    By July 8, 2025
  • The Federal Reserve building at sunset.
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    Douglas Rissing via Getty Images
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    Fed bans Wyoming ex-banker over charity embezzlement

    Kendall Hickman, a former employee of Jonah Bank of Wyoming, embezzled more than $33,000 in funds from a nonprofit organization while working as a part-time bookkeeper. 

    By July 7, 2025
  • Sen. Elizabeth Warren (D-MA) speaks during a Senate Banking, Housing, and Urban Affairs committee hearing on January 11, 2024 in Washington, DC.
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    Warren slams Fed’s proposed tweaks to stress capital buffer

    In a public comment, the senator urged the central bank to withdraw a proposal to allow banks to use an average of the past two years’ stress testing losses in the calculation of their buffer.

    By July 7, 2025
  • Circle at ringing of NYSE bell following June 2025 IPO
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    Courtesy of Courtesy of Circle
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    Circle applies for national trust charter

    The proposal to create the First National Digital Currency Bank “marks a significant milestone to build an internet financial system,” CEO Jeremy Allaire said. Wise applied for a similar charter in June.

    By July 2, 2025
  • Navy Federal Credit Union, Douglasville Georgia location
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    CFPB drops $95M overdraft case against Navy Federal

    The move is yet another example of the current bureau’s retreat from Biden-era consent orders.  

    By July 2, 2025
  • An entrance to a Madison Avenue JPMorgan Chase building is shown, with revolving doors and a person walking in the foreground.
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    Michael M. Santiago / Staff via Getty Images
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    Top US banks boost dividends

    JPMorgan and Morgan Stanley announced share repurchase programs. Wells Fargo and Goldman Sachs, meanwhile, will see current stress capital buffers lowered.

    By July 2, 2025
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    Judge again denies request to slash Ripple’s SEC penalty

    The SEC can “change course after an enforcement action is initiated,” the judge wrote last week. “But the parties do not have the authority to agree not to be bound by a court’s final judgment.”

    By July 2, 2025
  • A man smokes outside a Standard Chartered bank location.
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    Matthew Lloyd via Getty Images
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    StanChart hit with $2.7B lawsuit tied to 1MDB scandal

    Liquidators of three 1MDB-related companies claim that Standard Chartered permitted more than 100 intrabank transfers that enabled massive fraud of Malaysia’s sovereign wealth fund.

    By July 1, 2025
  • "Credit union" is shown on a building's exterior
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    NCUA closes 2 credit unions in 2 days

    The regulator closed Aldersgate Federal Credit Union and Butler Heritage Federal Credit Union; Aldersgate was placed in conservatorship last month, after operating in an “unsafe and unsound manner.”

    By July 1, 2025
  • A sign shows the FDIC acronym in the foreground on the left, and glass doors and an FDIC rug in the background to the right.
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    Making sense of the ‘crazy quilt’ of financial regulators

    Federal banking agency job cuts and a deregulatory push have again stoked conversations around consolidation. Merging agency functions could make sense, but here’s why it’s unlikely to happen.

    By July 1, 2025
  • Seal of the Board of Governors of the United States Federal Reserve System.
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    LD via Getty Images
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    Largest banks sail through Fed’s stress test

    All 22 banks that participated in the Federal Reserve’s stress test passed, although it was less stringent than past years. 

    By June 30, 2025
  • The Federal Deposit Insurance Corp. name and logo are shown on the exterior of a building.
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    FDIC: ‘Suspected fraud’ contributed to Texas bank failure

    The Santa Anna National Bank in Texas was closed by the OCC Friday. The failure could cost the FDIC’s Deposit Insurance Fund an estimated $23.7 million.

    By June 30, 2025
  • Tim Scott speaks during a Senate hearing
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    Senate shrinks proposed CFPB cuts in megabill

    One week after the Senate parliamentarian struck down efforts to zero out CFPB funding, lawmakers released a scaled-back proposal.

    By June 27, 2025
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    Banking conferences yet to come in 2025

    Gatherings can be idea generators, or crucial chances to network — especially amid an environment where political change can yield previously unexpected possibilities and partnerships.

    By June 27, 2025
  • Federal Reserve Governor Michelle Bowman stands behind a podium and speaks.
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    Federal Reserve. (2024). [Photo]. Retrieved from Flickr.
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    Fed proposes 27% cut to tier 1 capital requirements

    Changes to the enhanced supplementary leverage ratio would be accompanied by a 5% reduction in total loss absorbing capacity and a 16% drop in long-term debt requirements.

    By June 26, 2025
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    Ex-Barclays CEO Staley’s lifetime FCA ban to remain

    A U.K. tribunal court Thursday dismissed the former executive's attempt to fight the ban, which came amid revelations of Staley's ties to the late convicted sex offender Jeffrey Epstein.

    By June 26, 2025
  • Federal Reserve Bank Chair Jerome Powell speaks during a congressional hearing.
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    Capital requirements, a Fed reno and Trump overshadow Powell hearings

    Sen. Elizabeth Warren urged caution on a move to reduce banks’ enhanced supplementary leverage ratio. The Fed chief appeared unflappable, however, in the face of the president’s calls to cut interest rates.

    By June 25, 2025
  • Customers use an ATM at a Bank of America office.
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    CFPB terminates BofA consent order 3 years early

    The bureau was to monitor Bank of America for five years in connection with a $12 million penalty it paid for allegedly failing to collect demographic data on mortgage applicants.

    By June 24, 2025
  • The US Federal Reserve building in Washington DC
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    Fed joins OCC, FDIC in scrubbing reputational risk from exams

    The central bank said it would replace references to the metric “with more specific discussions of financial risk.” Banks can still use the concept in their own risk management policies, the Fed said.

    By June 24, 2025
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    Trump upholds OCC’s expedited bank merger reviews

    The president signed a measure nullifying a 2024 OCC rule that Republican lawmakers aimed to curb through the Congressional Review Act, citing “burdensome standards.”

    By June 23, 2025
  • The Federal Reserve building is seen January 22, 2008 in Washington, DC. People walk by.
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    Fed, OCC ban 2 bankers apiece

    The bankers are former employees of Ally, Santander, Bank of Hawaii and BOKF. The prohibitions come after the regulators say they found instances of embezzlement and misappropriation of funds.

    By June 23, 2025
  • The entrance to the Consumer Financial Protection Bureau headquarters is seen, with the bureau's logo on a glass door.
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    Senate official blocks CFPB defunding in Trump’s megabill

    Measures to defund the CFPB, and to reduce salaries at the Fed, fall outside the limits of reconciliation, Senate parliamentarian Elizabeth MacDonough ruled Thursday.

    By June 23, 2025