Ebrima Santos Sanneh

Federal Deposit Insurance Corp. Chair Martin Gruenberg said an FDIC study proves relationship-driven lending practices remain crucial to small-business lending and economic stability, despite technological advancements in the banking industry.

Travis Hill says holistic metrics for assessing bank mergers introduce unnecessary unpredictability and deviate from established measures of competition. Hill also provides insight on the status of the stalled Basel endgame proposal.

Federal Reserve Vice Chair Michael Barr announced upcoming regulations requiring large banks to preposition collateral at the Fed's discount window and maintain minimum reserves based on uninsured deposit levels.

A report recommends clearer guidelines and enhanced training to prevent conflicts of interest in FDIC acquisitions, which the agency concurred with and agreed to implement.

Some of the country's largest banks, including Bank of America, Citi and Morgan Stanley, said they support efforts to increase capacity, highlighting nuclear's role in the clean energy transition.

The new rules on custodial account records could address the issues that the Synapse bankruptcy caused in the fintech world but also could complicate relationships between banks and fintech partners, experts say.

Agencies must now provide clearer justifications for their interpretations, while Congress needs to draft more precise legislation. The decision could empower banks to challenge agency rules more frequently and potentially prolong regulatory processes, with courts giving less deference to agency interpretations.

Nellie Liang urges regulators to consider adjusting leverage rules to boost liquidity during stress periods, including leaving central bank reserves out of supplemental leverage ratio calculations.

The Federal Deposit Insurance Corp.'s proposed rule aims to improve record keeping for custodial accounts, while the merger policy would increase regulatory scrutiny for combinations involving the largest banks.

Banks now have until Oct. 30 to weigh in on potential risks of third-party fintech partnerships for banking products and services.

Acting Comptroller of the Currency Michael Hsu's suggestion that regulators designate certain midsize regional banks as domestic systemically important banks could boost oversight but may also complicate the regulatory landscape, observers say.

Federal Reserve Governor Michelle Bowman called for reforms to reduce volatility, increase transparency and address overlaps in stress tests and capital requirements for banks.

After a turbulent 2023, regional banks are gradually restoring public trust in 2024, with confidence in financial stability rising alongside calls for stronger government regulation, ethical practices and capital reforms to prevent future crises.

The banking industry's public reputation recovered moderately in 2024 after a string of regional bank failures depressed confidence in the industry the year prior.

After months of anticipation, Federal Reserve Vice Chair for Supervision Michael Barr is set to lay out the path forward for the interagency regulatory capital reform effort known as the Basel III endgame on Tuesday.

Morgan Stanley will have to pay $2 million for failing to flag trading in First Republic Bank by its former CEO. The transactions happened in the lead-up to the regional bank's collapse.

Net income climbed more than 11% from the first quarter, even as banks set aside more money for possible bad credit and wrestled with deteriorating office markets.

The American Bankers Association says a proposal to replace its own financial security identifier with one owned by Bloomberg exceeds the agencies' statutory authority and could disrupt financial markets.

Acting Comptroller of the Currency Michael Hsu called for a more risk-based approach to supervision to prioritize pressing issues and improve agility in monitoring large banks.

The FDIC board chose to have another federal agency handle investigations of senior leaders based on allegations unearthed in an independent review published this spring. The move is aimed at ensuring accountability but was criticized for potential delays.