Louisiana bank agrees to FDIC consent order over credit quality

Regulators restricted First Guaranty Bank’s ability to extend credit to borrowers whose transactions were labeled a “loss” in a September 2025 exam. The bank also must boost its Tier 1 leverage capital ratio.

By Dan Ennis • Aug. 11, 2026

U.S. Bank flags potential blowback from debanking inquiries

At least three other lenders have warned investors of consequences over the past year, but unlike U.S. Bank, those institutions have either been sued or called out publicly by President Trump.

By Dan Ennis • Aug. 10, 2026

Explore the Trendline➔

Top 5 stories from Banking Dive

Challenges in banking are as varied as lenders. One Alaska credit union is solving how to serve a vast rural base, while a Chicago bank anticipates the regulatory uptick that accompanies growth.

By Banking Dive staff

Bunq rejected for OCC bank charter

The Office of the Comptroller of the Currency argued the Dutch fintech’s U.S. operations would be inadequately capitalized, its management inexperienced and its road to profit “unrealistic.”

By Dan Ennis • Aug. 10, 2026

FedNow extension wins support

Stripe, Visa, Wise and industry trade groups back the Federal Reserve’s plan to expand its instant payment system for cross-border use.

By Shefali Kapadia • Aug. 10, 2026

Warren wants United Texas Bank’s charter revoked

The senator said the OCC and Federal Reserve should not have let the bank convert its charter from state to national oversight while under an active consent order.

By Dan Ennis • Aug. 7, 2026

Augustus gets FDIC nod to launch bank

Among stipulations of the approval, the clearing bank must launch with $73,660,000 or more in capital funds and maintain a 10% or greater leverage ratio throughout its first three years.

By Dan Ennis • Aug. 5, 2026

Bank of America, USAA ink patent agreement

The deal allows each company to use the other’s full portfolio of patents. USAA for years has sued – or threatened court action against – banks it says infringe on its remote deposit capture patents.

By Dan Ennis • Aug. 5, 2026

Stablecoin firm Dakota applies for OCC trust banking charter

“For you, that means fewer layers between your product and the financial services underneath it,” Dakota CEO Ryan Bozarth said in a blog post.

By Dan Ennis • Aug. 5, 2026

Fed approves Santander-Webster deal

The $12.3 billion transaction – approved by the Fed 129 days after the application was filed – is expected to close Aug. 20, Santander said.

By Caitlin Mullen • Aug. 5, 2026

Ex-regulator frets over OCC brain drain

A former regulator whose team got the ball rolling on Citi's 2020 consent order worries the exodus of OCC talent leaves the agency unable to respond to a financial crisis.

By Caitlin Mullen • Aug. 5, 2026

JPMorgan to deploy $750B for affordable housing by 2035

The bank will invest the capital through its American Dream Initiative, an economic mobility program launched this year that also aims to boost housing access.

By Lamar Johnson • Aug. 5, 2026

Trump’s Capital One accounts closed after AML review, bank says

The bank has not accused the Trump Organization of money laundering. But Capital One said the transaction patterns it identified are “among the types of activity flagged by federal banking guidance.”

By Dan Ennis • Aug. 4, 2026

Judge rejects DOJ’s attempt to drop Lakeland redlining order

A federal judge denied the government’s bid to terminate the bank’s consent order ahead of schedule, saying “a promise to reach substantial compliance in the future is not substantial compliance.”

By Caitlin Mullen • Aug. 4, 2026

OCC, FDIC propose another CRA revamp

The regulators – absent the Federal Reserve – would limit grants banks give to “activist” community groups. Friday’s proposal would also reduce the number of banks that must collect CRA-related data.

By Dan Ennis • Aug. 3, 2026

UBS to pay $125M in AML penalties

The brokerage arm of the Swiss bank didn’t fix flaws identified in 2018, resulting in some 60,000 foreign currency wires valued at about $10 billion going unmonitored, regulators said.

By Caitlin Mullen • Aug. 3, 2026

Citi hires away FinCEN chief for compliance role

Andrea Gacki, the director of the Financial Crimes Enforcement Network since 2023, will become global head of sanctions at the New York City-based lender.

By Caitlin Mullen • July 31, 2026

Fed bans ex-Regions, First Interstate bankers

An Idaho-based teller embezzled $8,000 from First Interstate’s cash recycler, the central bank said. A Florida-based Regions relationship banker allegedly withdrew roughly $203,000 from a customer account without consent.

By Dan Ennis • July 31, 2026

Capital One gives update on Discover community investment plan

The bank issued a report last month on progress related to the $265 billion it had committed to invest as part of its bid to buy Discover. Charitable organizations offered little support for the statement.

By Tatiana Walk-Morris • July 30, 2026

Ex-CFPB official tapped to lead NJ consumer affairs unit

Christopher Peterson is one of at least two recent state-level consumer advocacy hires, after California named former CFPB chief Rohit Chopra to lead a newly formed consumer agency.

By Gabrielle Saulsbery • July 29, 2026

Rent fintech Flex applies for ILC charter

Jeff Berkson, who until May served as chief risk officer at WebBank, will be the bank’s proposed CEO. The lender will be based in the Salt Lake City area and operate nationally through digital channels.

By Dan Ennis • July 28, 2026

Democrats grill CFPB nominee over CapOne, staff-cut plan

Capital One executive Brian Johnson weathered a testy exchange with Sen. Elizabeth Warren over potential conflicts of interest. Johnson said the CFPB has “deficiencies” but is “capable of great good.”

By Dan Ennis • July 24, 2026

Upstart nabs conditional bank charter

“We've been challenged extensively throughout the process, and that's exactly what should happen when an institution is seeking the privilege of becoming a national bank,” an Upstart executive said.

By Gabrielle Saulsbery • July 24, 2026

OCC rejects Wise’s trust charter application over ‘deficiencies’

The British fintech said it plans to submit a new application for a U.S. trust charter under a Genius Act framework.

By Caitlin Mullen • July 24, 2026

GOP lawmakers press Fed’s Bowman for faster bank M&A approvals

Republicans on the House Financial Services Committee this week urged Michelle Bowman to conduct a review of “long-pending applications” focused on “removing obstacles to final action.”

By Caitlin Mullen • July 23, 2026

Warren sounds alarm on CFTC staffing

“The CFTC may be inhibited in meeting [its] mandate due to staffing cuts that threaten to weaken its enforcement,” Sen. Elizabeth Warren wrote to a government watchdog.

By Gabrielle Saulsbery • July 23, 2026