Banking Politics & Policy News
American Banker's Politics & Policy coverage delivers news and analysis on how legislative action, federal agency rulemaking, regulatory politics, and public policy debates shape banking strategy, risk, competition, and compliance. Coverage explores congressional priorities, executive branch initiatives, regulatory agency actions, and the political forces that shape and impact the operating environment for financial institutions, payments companies, fintechs and distributed finance companies.
Bank leaders must navigate a dynamic policy environment where congressional action, regulatory priorities, and political forces influence capital standards, supervisory expectations, digital asset frameworks, deposit insurance, consumer rules, and competitive dynamics.
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The Office of the Comptroller of the Currency told a somewhat familiar story Friday about the industry's risk environment.
July 7
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If HSBC reaches an agreement with the government, it could give an early indication of how the Trump administration will levy financial penalties.
July 5
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Federal Reserve Chair Janet Yellen was hospitalized over the weekend in London for treatment of a urinary tract infection but has been discharged.
July 3
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The Federal Housing Finance Agency made just incremental changes to two of the seven affordable housing benchmarks.
June 29
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The NCUA is letting federal credit unions securitize and sell assets. Such transactions would free up capital at credit unions, allowing them to make more loans.
June 26
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The National Association of Home Builders is objecting to a measure that would impose a surcharge on National Flood Insurance Program policies for newly constructed homes.
June 23
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Readers weigh in on chatbots, Amazon’s physical footprint expansion plans, alternative credit data and more.
June 23
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As governors prepare to designate new "opportunity zones," lenders and investors should take advantage of the chance to target capital to communities where it will both do good and generate strong returns.
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Banks can price in risk and manage their way around both left-wing and right-wing administrations. But the kind of uncertainty that arises from today's brand of politics is impossible to model.
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Efforts by individual states to rewrite existing rules governing interstate bank lending risk throwing the entire system into chaos. Only Congress has the ability to reestablish a workable set of national rules.
