Financial regulations

The banking agencies are right to review capital requirements for banks of all sizes to ensure the rules are efficient and clear.

The agency has suggested several steps in its notice on reforming the law that could actually harm, not help, underserved communities.

American Banker's Kate Berry discusses recent events at the Consumer Financial Protection Bureau.

A liberal advocacy group says a Trump political appointee at the CFPB must resign after The Washington Post reported the official once called most hate crimes hoaxes.

If a merchant seeking to avoid credit card fees turned to cash discounting, it was at least partly because the other option — putting a surcharge on credit card use — was complicated and illegal in many states.

The legislation would help small-business owners better evaluate financing options by requiring updated disclosures.

The STATES Act allows the industry to resolve conflicts between state and federal laws by granting legitimate cannabis companies access to the financial system in marijuana-legalized states, writes Heather Peterson Altepeter, CEO of the National Merchants Association.

The central bank said the proposal is intended to eliminate duplication of rules for entities covered by the Secure and Fair Enforcement for Mortgage Licensing Act of 2008.

Readers react to the Office of the Comptroller of the Currency's fintech charter, respond to another bank outage, opine on the impact of regulation and more.

Community bankers reject the conclusions of a Government Accountability Office report that say regulatory burdens only had a “modest effect” on the declining number of banks since 2010.