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As 2025 draws to a close, banking and credit union executives are crystallizing their predictions for regulatory shifts, market downturns, credit-quality changes and more. New research from American Banker finds that not all predictions are upbeat.
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Top questions answered in the research
- What legislative changes on the horizon are most likely to occur, and will they help or hurt bankers?
- Which changes in market factors stand to hit financial institutions the hardest?
- How likely is it that subprime credit portfolios decline more than prime portfolios in 2026, and what are the risks associated with the trend?
Key takeaways
- Subprime credit portfolio deterioration is a high possibility, and will create risks for banks and credit unions.
- An economic downturn is the top concern for bankers heading into 2026.
This five-part series dives into the data using interactive charts broken out into these main themes: Forecasting economic changes in the coming year, policy predictions and concerns, emerging technology trends, M&A competition within the financial services space, and fraud and cybersecurity.
- Part one: Bankers forecast 2026 upheaval in cybersecurity, regulations
- Part two: Coming soon
- Part three: Coming soon
- Part four: Coming soon
- Part five: Coming soon
