BankThink

Regulators have signaled that the speed of progress in generative and agentic artificial intelligence makes producing definitive guidance impractical. That does not remove banks' obligation to face up to their risks.

Multiple states are testing the ability of federal banking regulations to preempt state laws. If they succeed, a core pillar of the U.S. economy — the dual banking system — could begin to crumble.

Tokenization of assets is going to transform global finance, but by dragging their heels on establishing clear rules of the road, U.S. regulators could be pushing the development of key infrastructure overseas.

Plans to allow U.S. banks to reduce the capital they hold create uncomfortable echoes of past turmoil in credit markets. As regulators contemplate relaxing standards meant to protect the public, they should look to past financial crises.

How much of the FOMO is manufactured?

With a $10M gift to create and run a school of financial planning, Ric Edelman aims to solve the retirement readiness crisis and wealth management's talent shortage.

In passing the Depository Institutions Deregulation and Monetary Control Act, Congress intended to create national rules that would guide lending across state borders. States can't simply opt out of them.

The original cryptocurrency lies at the bleeding edge of the risk curve, and its cross currents say something about how feisty the market is feeling.

Citi, DTCC and others are quietly using Hyperledger Besu as a neutral, enterprise-grade blockchain for tokenized deposits and collateral. Daniela Barbosa, general manager of decentralized technologies at the Linux Foundation, explains why.

The FDIC's recent analysis of the deposit flight that helped take down Silicon Valley, Signature and First Republic banks in 2023 is informative. However, it leaves unanswered some important questions about regulators' assumptions related to brokered deposits.