First Guaranty Bancshares in Hammond, La., has decided to again test the market for an IPO. The $1.4 billion-asset company in December postponed a stock offering that would have raised around $65 million, as concerns mounted about the impact the slide in oil prices would have on the bank.

The Consumer Financial Protection Bureau's implementation of the statute banning "abusive" conduct through enforcement action instead of rulemaking is not sustainable.

Evans Bancorp in Hamburg, N.Y., said that its chief financial officer has left to pursue other interests.

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Wells Fargo has agreed to pay $81.6 million to settle a federal investigation into its alleged failure to properly notify homeowners of increases in their mortgage payments.

Puget Sound Bank in Bellevue, Wash., is preparing to form a holding company.

Incommons Bank in Mexia, Texas, has agreed to buy two branches from Allegiance Bancshares in Houston.

PRA Group reported third-quarter revenue of $229.4 million, a 4% drop that fell far short of 9% growth expectations. The debt-buying giant’s net income dropped by nearly two-thirds from year-ago levels.

Borrowing by U.S. small businesses increased overall growth in September, according to the Thomson Reuters/PayNet Small Business Lending Index.

Florida overturned a ban on credit card surcharges on the grounds that it violates merchants' free speech. Some lawyers doubt that this unusual strategy has legs, but it has worked in a surprising number of courts.

EnerBank USA in Salt Lake City has chosen Charlie Knadler to succeed Louise Kelly as president and chief executive after her retirement next month.

National Bank Holdings in Greenwood Village, Colo., has filed an application to convert NBH Bank from a national association to a Colorado state-charted bank.

Fannie Mae was affected by the same derivatives accounting mismatch that led to Freddie Mac's first quarterly loss in four years. But its bulk and balance sheet provided enough cushion for the larger of the two government-sponsored enterprises to post a profit for the third quarter.

Automobile lending reached its highest level ever at the end of the third quarter while showing few signs of credit weakness, the credit bureau Experian reported Wednesday.

Financial institutions are often thought of as major consumers of technology, but a pair of recent examples show that more tech is being developed in-house and, once proven feasible, monetizing it. Expect more spin-offs, observers predict.

KeyCorp’s biggest deal since Beth Mooney became CEO would make it the 13th largest U.S. commercial bank if approved, and a proposal from Virgin Money's Jayne-Anne Gadhia could prompt the U.K. to peg bank exec bonuses to gender diversity. Also: Barclays' Barbara Byrne, KKR's Suzanne Donohoe and JPM's Eileen Serra.

The CFPB is evaluating whether it should take legal action against the Minnesota company for how it handles overdraft protection. The move comes as TCF takes steps to become less dependent on services charges for fee revenue.

Beth Mooney at Key and Joseph Ficalora at New York Community Bancorp recently upset shareholders with big acquisitions. Industry observers believe investors should slowly warm up to deals as a strategic alternative to generous dividends and share buybacks.

Raj Date, the consumer bureau's former deputy director, said Thursday regulators need to be flexible, responsive and use discretion when it comes to dealing with financial technology startups.

Dave McKay, the president and CEO of Royal Bank of Canada, has spent much of his time as head of the second-largest Canadian bank plotting the acquisition of the coveted $36 billion-asset City National in Los Angeles. Now he has to execute on a strategy of cross-selling products to affluent customers of both banks while expanding geographically.