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Goldman Sachs Group, one of Wall Street’s staunchest advocates of returning employees to offices, will make COVID-19 vaccination booster shots compulsory as the firm stands by its workplace philosophy through surging infection rates in New York.

Average per-loan charges last year were little changed despite the addition of a new temporary fee for refinancing. Those for loan-to-value ratios above 80%, home-purchase financing and adjustable-rate mortgages only rose slightly.

As the adoption of real-time payments grows, companies like Mastercard, ACI Worldwide and The Clearing House are bringing together data from banks, credit unions and merchants to catch scammers.

To strengthen ties with entrepreneurs, Citizens Bank of Edmond in Oklahoma and the de novo Genesis Bank in California offer co-working, education and other resources.

Banks that help customers avoid missing important payments are providing a valuable service for which they should be compensated. Though some banks use deceptive practices, customers are willing to pay for a transparent service.

Card networks are poised to connect to nonfungible tokens, issuers are revamping rewards, and regulators are taking greater interest in installment loans. These developments and more bear watching in the year ahead.

The new state law, signed by the governor Wednesday and backed by the financial services industry, is intended to make notary services more accessible for older people, those with disabilities and residents of rural areas.

Industry fears that regulators were souring on bank mergers have eased somewhat after the Federal Reserve finally signed off on WSFS Financial’s acquisition of Bryn Mawr Bank and several other deals that had been awaiting the green light.

Before joining TAPCO, Justin Martin was executive vice president and chief operating officer at Verity Credit Union.

The trade group chose Brian Knight to succeed longtime leader Lucy Ito, who announced her retirement earlier this year.