Merchants have mostly been silent on President Trump's call for a cap on credit-card interest rates. But they'd take a "huge hit" under such a plan, Synchrony CEO Brian Doubles said Tuesday.

The risk facing U.S. banks is not that stablecoins will suddenly siphon deposits through yield alone. It is that deposits will gradually follow utility as financial experiences improve elsewhere.

Goldman Sachs makes leadership changes across its global credit business; JPMorganChase names Simon Dale global head of the credit portfolio group lending; Citi hires Anand Govind as a managing director on its technology investment banking team; and more in this week's banking news roundup.

The House Financial Services Committee passed a community bank tailoring bill 33-21.

Once seen as a sleepy corner of the financial services industry, asset servicing has become increasingly important for banks as artificial intelligence, blockchains and a generational transfer of wealth alter the landscape.

The Brazilian digital bank Banco Inter now has a license from the Federal Reserve Board and the state of Florida to establish a virtual "branch" in Miami.

The regional bank recorded $130 million of legal charges during the fourth quarter in connection with the resolution of a legal battle involving overdraft fees. Its earnings also took a hit from $63 million in employee severance costs.

Though fourth-quarter net charge-offs reached a level not seen since the financial crisis, the Little Rock, Arkansas-based regional bank is forecasting better results in 2026 and an even stronger recovery in 2027.

The future of banking will see core bank systems rebuilt around artificial intelligence tools that inform decisions about everything from underwriting to compliance. Banks must begin the transition now.

The Minneapolis-based regional saw its fourth-quarter profits jump 23%. Consumer deposits bumped up, while operating expenses remained muted.

A New Jersey courier scam highlights the severe liability risks consumers face when using debit cards compared to credit cards.

In the 11 months after Fifth Third completes its acquisition of Comerica, the Cincinnati bank plans to send 13 million-to-14 million pieces of paper mail to retail customers. CEO Tim Spence says the old-fashioned method "still works," and actually has some advantages over more modern modes of communication.

The Cleveland-based bank announced changes Tuesday to its board of directors, including the appointment of a new lead independent director. Last month, activist investor HoldCo Asset Management urged the bank's board to not re-nominate its longtime lead independent director.

The newly launched digital credit union, CineFi, aims to serve creative professionals in the Atlanta area as well as First Entertainment's existing member base in Los Angeles.

A significant majority of Americans are now living lives of permanent financial stress, and debt delinquency is on the rise. For bankers, that's a recipe for problems with profitability, and perhaps with safety and soundness.

MUFG Securities Americas is designated a primary dealer by the New York Fed; Founders Bank appoints Chris Lipscomb its senior vice president and chief lending officer; the Independent Community Bankers of America names Charles Yi senior executive vice president of government relations; and more in this week's banking news roundup.

The Huntsville, Alabama-based regional bank is well positioned to defend its Southeast footprint, according to CEO John Turner. It's hiring more bankers in growth markets, it has strong brand recognition and it has a long history in its core markets, he said.

Data collected by the Conference of State Bank Supervisors demonstrates a huge disparity in compliance costs between large and small banks. Policymakers in Washington who claim to support community banks must act to reduce regulatory burden.

Community Financial in Syracuse has agreed to purchase a small bank that's built its business model around end-of-life planning.

Noelle Acheson explains how on-chain vaults, born in decentralized finance, could shape the centralized banking of tomorrow.