Regulation

Almost 60 SBA loans originated by Community Bank & Trust — West Georgia were classified as noncurrent, according to Small Business Administration records. Last week, Community became the second U.S. bank to fail in 2026.

Fincen just proposed the most significant reform to AML compliance in a generation, but its reporting forms are still broken. A handful of key changes would meaningfully reduce compliance burden without reducing investigative value.

Community Bank & Trust in Georgia, the second bank failure this year, shows what happens when bankers don't keep things simple.

The Beaver State measure gives de novo banks up to $1 million per year in tax credits. Oregon lawmakers modeled their legislation on a 5-year-old Ohio law.

Bank groups said that although the Federal Reserve's eased capital plans are a major improvement over previous versions, the recent proposals still need changes to help avoid risk assessments they say may hinder banks' ability to boost lending. 

Regulators can compel regulated stablecoin issuers to perform AML checks and even freeze assets. But there are a lot of digital currencies out there beyond stablecoins.

Banks weighing stablecoin partnerships need to know whose playbook regulators will endorse before another major crypto theft tests the question.

In evaluating Enova's proposed acquisition of Grasshopper Bancorp, regulators must decide whether to allow lending products with annual percentage rates of nearly 100% into the national banking system.

The CFPB's small-business-data rule is a lesson in what happens when nobody agrees.