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With a Democrat set to take the White House in January, the political balance at NCUA could shift amid changes for the CFPB and housing reform, and progressive banking ideas that were unthinkable over the past four years could gain traction.

With a Democrat set to take the White House in January, the agenda for agencies like the CFPB could undergo a rapid transformation, housing finance reform could be turned on its head and progressive banking ideas that were unthinkable over the past four years could gain traction.

A final Senate breakdown still depends on the outcome in a few key races, but with Republicans closer to keeping power, Democrats' proposals to cap interest rates, create a postal banking system and establish a public credit reporting agency are likely dead on arrival.

In a year with the Paycheck Protection Program, big banks tap brakes on SBA lending; what debt collectors can and can't do under CFPB rule; a look at who might craft regulatory policy in a Biden administration; and more from this week's most-read stories.

Vendors such as eFinancialCareers, Paradox and pymetrics work with banks to assess job applicants based on their skills and not other factors. But the technology has its limits.

The industry has an opportunity to build deeper relationships with members right now by communicating in a proactive and empathetic way.

The statement comes after multiple small and midsize institutions earlier this year warned the agencies that the secured overnight financing rate was ill-suited to them.

Tokyo-based JCB has partnered with Paymentwall, a global provider of payment acceptance for merchants concentrated in the video game and home entertainment industries.

Brazil's central bank and the country's National Monetary Council have established operation guidelines for a regulatory sandbox to encourage financial and payments technology innovation.

The bank disclosed in a regulatory filing that it is in the process of responding to a civil subpoena from the Consumer Financial Protection Bureau. It is the latest bank to come under regulatory scrutiny for the fees charged to consumers who overdraw their accounts.