Opinions

Industrial loan companies play a vital role in local economies across the country, providing liquidity in areas that other banks overlook. Restricting the availability of ILC charters would be bad for business.

The FDIC inspector general said internal and external reviews found little evidence to support a whistleblower's allegations of fraud, retaliation and abuse within the FDIC's watchdog office.

Earned wage access fintechs say the Consumer Financial Protection Bureau's advisory opinion provides important clarity on the finance product, but legal experts warn that its practical impact could be minimal.

The effort by the Consumer Financial Protection Bureau, meant to benefit borrowers, has instead led to higher delinquency rates, increased defaults and more loans being sent to collections.

Just a handful of de novo banks opened in 2025. But there are signs of renewed activity, with eight banks currently actively in formation and more than 10 charter applications on file with the FDIC.

Minneapolis Federal Reserve President Neel Kashkari said on CNBC that both sides of the central bank's dual mandate show signs of imbalance, with the labor market appearing more vulnerable.

The real value of stablecoins lies in their ability to provide instant and secure transfers of value. But, in a world where every company has a bespoke stablecoin, that promise begins to break down quickly.

As artificial intelligence is integrated into more and more core banking operations, bank boards of directors need to make sure business continuity plans account for the possibility of AI system failures.

Conditional approval of a national bank charter used to be a virtual guarantee that an institution would open its doors. But the OCC's recent treatment of Erebor Bank suggests that banks with conditional approvals still have work to do.

U.S. District Judge Amy Berman Jackson said the administration must request funds from the Federal Reserve, rejecting a Trump DOJ legal theory.