FDIC

Silver River Community Bank is the fifth de novo in Florida to apply with the FDIC in the last three years.

Whether it's the OCC's special-purpose charter, ILCs or some other option, observers see fintechs being able to obtain banking powers.

The plan would implement a congressional mandate that only the biggest banks must conduct internal stress tests.

Organizers are planning to raise up to $25 million for Tandem Bank.

Before the financial crisis, federal and state regulators unabashedly pitched their charters to banks as the better choice. That's happening again, despite warnings that such jousting might result in lax oversight.

The agencies are weighing a plan to reduce the scope of residential real estate transactions requiring an appraisal, but appraisers have warned that the proposal could have consequences.

The Office of the Comptroller of the Currency advanced the ball last year by collecting public feedback on modernizing the law, but all three federal bank regulators will have to reach consensus on a formal proposal.

Spirit Community Bank is the 15th bank to get the agency's approval this year. That list also includes Community Bank of the Carolinas, which was approved in early December.

From stress tests to tailoring the Dodd-Frank Act to the Volcker Rule, the banking agencies have a number of important proposals to finalize in the coming year. But there are several potential obstacles that could throw those plans off track.

The Fed and FDIC found fault with resolution plans filed by four of the largest foreign lenders, though none of the shortcomings were severe enough to warrant rejecting the "living wills."