Regulations & Policy
- 
                    
                    
                        
                    
                    
                    FDIC’s Hill faces discontent over workplace culture effort, job cutsRepublican Sen. John Kennedy threatened to vote not to advance the acting chair’s nomination over “pretty words” but a lack of action. Sen. Elizabeth Warren slammed lagging updates on workforce reductions. By Dan Ennis • Oct. 31, 2025
- 
                    
                    
                        
                    
                    
                    Judge blocks CFPB open banking rule enforcementThe preliminary injunction in a federal lawsuit enjoins a U.S. open banking framework until the Consumer Financial Protection Bureau issues a new rule. By Justin Bachman • Oct. 30, 2025
- 
     Explore the Trendline➔ Explore the Trendline➔ Permission granted by Frost Bank Permission granted by Frost Bank Trendline TrendlineTop 5 stories from Banking DiveSince 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
- 
                    
                    
                           The image by Gareth Milner is licensed under CC BY-SA 2.0 The image by Gareth Milner is licensed under CC BY-SA 2.0  Barclays to acquire Best Egg for $800MThe personal lending fintech last year secured a $500 million purchase facility from Fortress Investment Group and tech-driven investment manager Edge Focus to grow its loan platform. By Gabrielle Saulsbery • Oct. 28, 2025
- 
                    
                    
                        
                    
                    
                    Community banks have ‘no choice’ but to be in stablecoin business, lawmaker saysBank-fintech partnerships are essential to enabling community banks to serve stablecoin interest, Rep. Mike Flood, R-NE, said Sunday at the Money20/20 conference. By Caitlin Mullen • Oct. 28, 2025
- 
                    
                    
                        
                    
                    
                    Fed proposes disclosing stress-test detailsThe central bank Friday voted to alert banks ahead of time with stress-test scenarios and several key calculations. By Dan Ennis • Oct. 27, 2025
- 
                    
                    
                        
                    
                    
                    Trump taps SEC crypto task force lawyer to lead CFTCMike Selig’s bid comes after the withdrawal of the previous nominee to lead the agency, which now has just one commissioner. By Gabrielle Saulsbery • Oct. 27, 2025
- 
                    
                    
                        
                    
                    
                    Trump pardons Binance founder ZhaoChangpeng Zhao previously pleaded guilty to violating anti-money laundering laws, and then served four months in prison. By Gabrielle Saulsbery • Oct. 23, 2025
- 
                    
                    
                        
                    
                    
                    Citi gives CEO Fraser a $25M award, names her chairThe bank is the last of the eight U.S. systemically important financial institutions to consolidate its CEO and board leadership roles. By Dan Ennis • Oct. 23, 2025
- 
                    
                    
                        
                    
                    
                    OCC drops fine in final Wells fake-accounts settlementClaudia Russ Anderson, group risk officer at the time of the bank's fake-accounts scandal, won’t face an additional monetary penalty by the regulator. By Gabrielle Saulsbery • Oct. 23, 2025
- 
                    
                    
                        
                    
                    
                    PNC, Capital One embrace FedNowPNC was a founding member of the rival private-sector real-time payments system RTP network, which is operated by The Clearing House and launched in 2017. By Lynne Marek • Oct. 23, 2025
- 
                    
                    
                        
                    
                    
                    CFPB deluged with open banking commentsBanks and fintechs aired their arguments regarding the federal agency’s proposed revision of a rule on sharing consumer data. By Justin Bachman • Oct. 23, 2025
- 
                    
                    
                        
                    
                    
                    5 hot topics BofA CEO Brian Moynihan is watchingThe Bank of America chief, speaking Tuesday at the American Bankers Association’s annual convention, talked stablecoins, cybersecurity and the importance of new regulations that “can’t be taken apart easily.” By Caitlin Mullen • Oct. 22, 2025
- 
                    
                    
                        
                    
                    
                    Warren, Kim want FDIC to halt ILC charter approvals“A moratorium would provide Congress with an opportunity to address a longstanding crack in the wall separating banking and commerce before it becomes a chasm,” the senators wrote Monday. By Gabrielle Saulsbery • Oct. 22, 2025
- 
                    
                    
                        
                    
                    
                    ColumnDive Deposits: Ripple’s 2nd billion-dollar deal of 2025 puts it in elite companyThe question is whether the watershed year will give the crypto firm a Morgan Stanley-esque afterglow or one more akin to NYCB. By Dan Ennis • Oct. 20, 2025
- 
                    
                    
                           Retrieved from The Office of the Comptroller of the Currency on October 07, 2025 Retrieved from The Office of the Comptroller of the Currency on October 07, 2025  OCC’s Gould details regulatory ‘reset’At the ABA’s annual convention Monday, the comptroller, more than once, referred to the OCC’s actions during his tenure as “down payments,” and promised more community bank “relief” to come. By Caitlin Mullen • Oct. 20, 2025
- 
                    
                    
                        
                    
                    
                    Fed, FDIC, OCC withdraw guidance on climate risk managementThe regulators have rescinded guidance intended to help financial institutions with over $100 billion in total assets identify and manage financial risks related to climate change. By Zoya Mirza • Oct. 20, 2025
- 
                    
                    
                        
                    
                    
                    ColumnDive Deposits: Vought sees CFPB shuttered in ‘2-3 months’The CFPB’s acting director floated the timeline in a podcast appearance Wednesday, after weeks of relative silence on the bureau’s status. By Dan Ennis • Oct. 17, 2025
- 
                    
                    
                        
                    
                    
                    CFPB ends Citi consent order 3 years earlyThe bank allegedly discriminated against Armenian-Americans in California, according to the 2023 consent order. By Gabrielle Saulsbery • Oct. 17, 2025
- 
                    
                    
                        
                    
                    
                    Tech-focused Erebor Bank gets conditional OCC approvalThe bank, backed by billionaire investor Peter Thiel and founded by two tech pioneers, will serve companies focused on crypto, AI, defense and manufacturing. By Gabrielle Saulsbery • Oct. 15, 2025
- 
                    
                    
                        
                    
                    
                    Stripe’s Bridge applies for national trust charterBridge joins a growing list of crypto-native firms, including Coinbase, Circle, Ripple and Paxos, which have applied for an OCC charter this year. By Gabrielle Saulsbery • Oct. 15, 2025
- 
                    
                    
                        
                    
                    
                    First Horizon keeps options open amid M&A uptickThe Memphis, Tennessee-based bank’s CEO is “increasingly confident in our ability to integrate a well-structured merger,” but also indicated the lender is focused on “optionality,” he said Wednesday. By Caitlin Mullen • Oct. 15, 2025
- 
                    
                    
                           Retrieved from Federal Reserve on October 10, 2025 Retrieved from Federal Reserve on October 10, 2025  Fed’s Bowman, community bank CEOs press for tailoringThe central bank governor espoused adjusting asset thresholds, as did bank executives, who also advocated for deposit insurance reform and consistency among examiners. By Caitlin Mullen • Oct. 10, 2025
- 
                    
                    
                        
                    
                    
                    Open banking also helps banks: fintechsFintechs are trying to rally support for U.S. open banking as regulators gather comments, ahead of an Oct. 21 deadline, to inform a revised rule. By Justin Bachman • Oct. 9, 2025
- 
                    
                    
                        
                    
                    
                    Lawmaker prods JPMorgan, BofA, BNY CEOs for Epstein infoRep. Jamie Raskin, D-MD, wants the banks to turn over documents to the House Judiciary Committee by Oct. 22. By Dan Ennis • Oct. 9, 2025
- 
                    
                    
                        
                    
                    
                    4 takeaways from Michael Barr’s speech to community bankersThe Federal Reserve governor spoke of the cost opportunities of AI, reiterated his thoughts on the threat of deepfakes, and encouraged small banks to play to their strengths. By Dan Ennis • Oct. 9, 2025
 
    
        
     
    
        
     
    
        
     
    
        
     
    
        
     
    
        
     
    
        
     
    
        
     
    
        
     
    
        
     
    
        
     
    
        
     
    
        
     
    
        
     
    
        
     
    
        
     
    
        
     
    
        
     
    
        
     
    
        
     
    
        
     
    
        
    