Regulations & Policy


  • The Federal Reserve building is shown while undergoing renovations.
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    Goldman, Citi, BofA CEOs back a free Fed as Trump weighs Powell options

    The president reportedly brandished a letter firing the Fed chair, then backed off, saying he likely wouldn’t dismiss him “unless he has to leave for fraud.”

    By July 17, 2025
  • Bank of America CEO Brian Moynihan speaks during an event at the Economic Club
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    Big bank CEOs talk stablecoin plans

    The prospect of a more favorable regulatory environment for digital assets has large lenders exploring or plotting stablecoin plans, JPMorgan, BofA, Citi and U.S. Bank executives indicated this week.

    By July 17, 2025
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    Trendline

    Top 5 stories from Banking Dive

    Since the approval of Capital One’s acquisition of Discover, banks have increasingly waded into new deals. Beyond that, they’ve doubled down on strategy, from organic growth to branch placement to app design.

    By Banking Dive staff
  • 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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    FDIC proposes inflation index, changes to ILC rules

    One proposal would protect smaller banks from shouldering too heavy a burden if inflation – rather than a change in size, risk profile or complexity – were to push a bank over a threshold.

    By July 16, 2025
  • Federal Reserve Gov. Michael Barr speaks into a microphone during a congressional hearing.
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    ‘Resist’ deregulatory spree, Fed’s Barr warns

    Loosening regulations “often appears justified at the time and may be implemented by well-meaning policymakers who simply miscalculate the long run effects of their actions,” the Fed governor said.

    By July 16, 2025
  • Federal Reserve building in Washington, D.C.
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    Fed drops enforcement action against Texas holding company

    The central bank ended its cease-and-desist order against Industry Bancshares eight months after it was issued and the same month Cadence Bank’s acquisition of Industry closed.

    By July 16, 2025
  • A sign reads "Wells Fargo" with the bank's logo below.
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    Wells Fargo workers allege union-busting again

    Employees rallied in Charlotte on Tuesday to call attention to allegations that a senior HR exec at the bank is coercing workers to decertify their union.

    By July 15, 2025
  • The CEO of JPMorgan Chase, Jamie Dimon, speaks in front of a blue background
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    JPMorgan’s Dimon: Fed independence ‘absolutely critical’

    The CEO of the biggest U.S. bank warned Tuesday that “playing around with the Fed can often have adverse consequences.”

    By July 15, 2025
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    OCC drops disparate impact liability from supervision, exam metrics

    The agency’s rollback is a direct follow-up to President Donald Trump’s April executive order calling to “deprioritize” enforcement of disparate impact.

    By July 15, 2025
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    Column

    Dive Deposits: Fed pushes back on Vought’s skewering of renovation

    In an FAQ document, the central bank appears to emphasize it’s responding to senators’ concerns, not the OMB chief’s, and that it has cooperated with a capital planning panel.

    By July 14, 2025
  • Senators Tim Scott and Elizabeth Warren converse during a Senate Banking Committee meeting.
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    6 takeaways from the Senate’s crypto market structure hearing

    Senators largely agreed on the need for regulation, but differed on the potential focus and framing of such a bill.

    By July 11, 2025
  • open banking CFPB regulations fintechs FTA Vought
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    Dive Deposits: The time Russ Vought moonlighted as a 1980s action star

    The acting CFPB director accessed his inner Sylvester Stallone, using his position as the White House’s budget chief to grill Federal Reserve Chair Jerome Powell on a hot-button renovation.

    By July 11, 2025
  • The words Federal Reserve engraved in a marble building with an eagle above.
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    Big banks could get easier route to ‘well-managed’ status

    Michelle Bowman dubbed the Federal Reserve’s proposal “the first step” in aligning supervisory ratings with a sharper focus on material financial risk, but Michael Barr warned the move would undermine supervision and introduce risk.

    By July 11, 2025
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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
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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
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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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    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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    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
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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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    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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    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