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    <pubDate>Fri, 24 Jul 2026 21:45:14 GMT</pubDate>
    <dc:date>2026-07-24T21:45:14Z</dc:date>
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      <title><![CDATA[ Why young Americans aren't relying on homes to build wealth ]]></title>
      <link>https://www.americanbanker.com/news/why-young-americans-arent-relying-on-homes-to-build-wealth</link>
      <description><![CDATA[ Millennial and Gen Z Americans aren't investing in homes the same way as previous generations: The National Association of Realtors found the median age of first-time buyers last year was 40, an all time high. Here's what wealth advisors need to know.  ]]></description>
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      <category><![CDATA[ Wealth management ]]></category>
      <category><![CDATA[ Investment strategies ]]></category>
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      <pubDate>Fri, 24 Jul 2026 21:45:14 GMT</pubDate>
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      <dc:creator>Kathryn Miller</dc:creator>
      <dc:date>2026-07-24T21:45:14Z</dc:date>
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      <title><![CDATA[ Inside Upstart's journey to get a bank charter approval ]]></title>
      <link>https://www.americanbanker.com/news/inside-upstarts-journey-to-get-a-bank-charter-approval</link>
      <description><![CDATA[ The OCC conditionally approved the lender's de novo application. Upstart Bank's proposed CEO spoke with American Banker about the review process.  ]]></description>
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      <category><![CDATA[ Licenses and charters ]]></category>
      <category><![CDATA[ OCC ]]></category>
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      <category><![CDATA[ Lending ]]></category>
      <category><![CDATA[ Bank technology ]]></category>
      <category><![CDATA[ Technology ]]></category>
      <pubDate>Fri, 24 Jul 2026 21:28:39 GMT</pubDate>
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      <dc:creator>Melinda Lucy</dc:creator>
      <dc:date>2026-07-24T21:28:39Z</dc:date>
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      <title><![CDATA[ Bill targets $10M+ retirement accounts with new distribution rules ]]></title>
      <link>https://www.americanbanker.com/news/bill-targets-10m-retirement-accounts-with-new-distribution-rules</link>
      <description><![CDATA[ Some ultrahigh net worth clients would be affected by a change to retirement plan contribution and distribution rules that's under consideration in Congress.  ]]></description>
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      <category><![CDATA[ Retirement planning ]]></category>
      <category><![CDATA[ IRAs ]]></category>
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      <pubDate>Fri, 24 Jul 2026 20:50:33 GMT</pubDate>
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      <dc:creator>Zoe Sagalow</dc:creator>
      <dc:date>2026-07-24T20:50:33Z</dc:date>
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      <title><![CDATA[ Disclosures show CFPB pick's ties to several regulated firms ]]></title>
      <link>https://www.americanbanker.com/news/disclosures-show-cfpb-picks-ties-to-several-regulated-firms</link>
      <description><![CDATA[ President Trump's nominee to lead the Consumer Financial Protection Bureau disclosed that he's been paid by numerous financial firms regulated by the agency he is expected to lead.  ]]></description>
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      <pubDate>Fri, 24 Jul 2026 20:26:59 GMT</pubDate>
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      <dc:creator>Kate Berry</dc:creator>
      <dc:date>2026-07-24T20:26:59Z</dc:date>
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      <title><![CDATA[ Large drop in new defaults may signal reprieve for servicers ]]></title>
      <link>https://www.americanbanker.com/news/large-drop-in-new-defaults-may-signal-reprieve-for-servicers</link>
      <description><![CDATA[ The drop in the annual metric for FHA loans was the biggest in over four years but other performance indicators ICE Mortgage Technology tracked were mixed.  ]]></description>
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      <category><![CDATA[ Servicing ]]></category>
      <category><![CDATA[ Distressed ]]></category>
      <category><![CDATA[ Capital markets ]]></category>
      <category><![CDATA[ Mortgages ]]></category>
      <pubDate>Fri, 24 Jul 2026 20:08:06 GMT</pubDate>
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      <dc:creator>Bonnie Sinnock</dc:creator>
      <dc:date>2026-07-24T20:08:06Z</dc:date>
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      <title><![CDATA[ How Wise's OCC rejection creates demand for bank AML experts ]]></title>
      <link>https://www.americanbanker.com/payments/news/how-wises-occ-rejection-creates-demand-for-bank-aml-experts</link>
      <description><![CDATA[ The regulator cited anti-money-laundering deficiencies in its decision, signaling the government is keeping a close eye on the issue even in a broader deregulatory environment. That means fintechs will be recruiting compliance experts from banks.  ]]></description>
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      <category><![CDATA[ Licenses and charters ]]></category>
      <category><![CDATA[ OCC ]]></category>
      <category><![CDATA[ Payments ]]></category>
      <category><![CDATA[ Recruiting ]]></category>
      <pubDate>Fri, 24 Jul 2026 19:26:12 GMT</pubDate>
      <guid isPermaLink="false">0000019f-958f-d9b5-a7ff-bfbf83550000</guid>
      <dc:creator>Joey Pizzolato</dc:creator>
      <dc:date>2026-07-24T19:26:12Z</dc:date>
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      <title><![CDATA[ PrimeLending cuts $10M fixed costs as margins squeeze ]]></title>
      <link>https://www.americanbanker.com/news/primelending-tempers-mortgage-expectations-after-q2-loss</link>
      <description><![CDATA[ The mortgage subsidiary of PlainsCapital Bank saw improvement in its bottom line but remained in the red amid ongoing affordability constraints.  ]]></description>
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      <category><![CDATA[ Earnings ]]></category>
      <category><![CDATA[ Originations  ]]></category>
      <category><![CDATA[ Industry News ]]></category>
      <category><![CDATA[ Consumer banking ]]></category>
      <category><![CDATA[ Mortgages ]]></category>
      <pubDate>Fri, 24 Jul 2026 19:04:59 GMT</pubDate>
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      <dc:creator>Spencer Lee</dc:creator>
      <dc:date>2026-07-24T19:04:59Z</dc:date>
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      <title><![CDATA[ GOP fraud plan: More tools for banks, no scam liability ]]></title>
      <link>https://www.americanbanker.com/news/gop-fraud-plan-more-tools-for-banks-no-scam-liability</link>
      <description><![CDATA[ The House Financial Services Committee's Republican majority backed slower funds availability and declined to shift authorized-scam losses onto banks.  ]]></description>
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      <category><![CDATA[ Politics and policy ]]></category>
      <category><![CDATA[ Regulation and compliance ]]></category>
      <category><![CDATA[ Fraud ]]></category>
      <category><![CDATA[ Payments ]]></category>
      <category><![CDATA[ Community banking ]]></category>
      <category><![CDATA[ Technology ]]></category>
      <pubDate>Fri, 24 Jul 2026 19:04:05 GMT</pubDate>
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      <dc:creator>Carter Pape</dc:creator>
      <dc:date>2026-07-24T19:04:05Z</dc:date>
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      <title><![CDATA[ BNY and Nubank CEOs join OpenAI board, shake-up at Old National ]]></title>
      <link>https://www.americanbanker.com/list/bny-and-nubank-ceos-join-openai-board-shake-up-at-old-national</link>
      <description><![CDATA[ BNY's Robin Vince and Nubank's David Velez have joined the boards of the OpenAI Foundation and OpenAI Group Public Benefit Corporation; Old National Bancorp has revamped its top leadership teams; City National Bank appointed Lindsay Dunn executive vice president and head of personal and business banking; and more in this week's banking news roundup.  ]]></description>
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      <category><![CDATA[ Industry News ]]></category>
      <category><![CDATA[ Artificial Intelligence ]]></category>
      <category><![CDATA[ Fraud prevention ]]></category>
      <category><![CDATA[ Bank technology ]]></category>
      <pubDate>Fri, 24 Jul 2026 19:00:00 GMT</pubDate>
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      <dc:creator>Traci Parks</dc:creator>
      <dc:date>2026-07-24T19:00:00Z</dc:date>
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      <title><![CDATA[ 'We can unlock those assets': Kara Kennedy ]]></title>
      <link>https://www.americanbanker.com/leaders/we-can-unlock-those-assets-kara-kennedy</link>
      <description><![CDATA[ The global co-head of J.P. Morgan's blockchain business unit says the financial services industry will be "replatformed."  ]]></description>
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      <category><![CDATA[ Leaders ]]></category>
      <category><![CDATA[ Blockchain ]]></category>
      <category><![CDATA[ Bank technology ]]></category>
      <pubDate>Fri, 24 Jul 2026 18:32:57 GMT</pubDate>
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      <dc:date>2026-07-24T18:32:57Z</dc:date>
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