Policy & Regulation

Mick Mulvaney, the agency’s acting director, suggests U.S. startups — like their U.K. counterparts — may eventually be able to test products without fear of regulatory action.

Industry consolidation can help boost bank profitability in the short run, but it’s no panacea for the industry’s bigger problems.

The bank sought to evade the consequences of compliance failures including weak scrutiny of transactions that could be tied to North Korea, the N.Y. banking superintendent said in demanding access to communications between the bank and its new supervisor, the OCC.

Volcker 2.0 could bring significant relief for the industry, but will likely fall short of what many had hoped.

New European Union privacy rules could serve as a guide for U.S. banks.

Just two months ago, Comptroller Joseph Otting seemed to signal that the OCC might be open to letting national banks rent their charters to payday lenders. Now he is clarifying that it won’t happen.

An OCC initiative to get more banks to make short-term loans that rival those of payday lenders isn't enough of an enticement.

The London interbank offered rate will likely be replaced by a new reference rate that critics say is better suited for the derivatives market than it is for commercial lending.

Comprehensive analysis of the banking industry's first big legislative victory since the crisis; lawsuits target banks with websites in violation of the Americans with Disabilities Act; what a homegrown app for millennials has to teach Wells Fargo; and more from this week's most-read stories.

Lenders would have a lighter data-reporting burden, but they may end up deciding to collect the data anyway.