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At the start of 2022, Biden administration officials were cautious about how to regulate the commingling of cryptocurrencies and traditional finance. By the end of the year, agencies had taken a tougher stance, and the downfall of FTX portended more of the same in 2023.

Return to office vs. remote work, the Great Resignation, rising wages in the face of inflation, workers trying to unionize, the ongoing fight for diversity in hiring and promotions: the year in human resources.

With prodding from their regulators, U.S. banks made some progress on assessing climate risk, but did not move as quickly as activists wanted. At the same time, new federal support for clean energy provided opportunities for lenders.

Truist CIO Ken Meyer and other bank leaders are seeing the chance to hire engineers, developers and data scientists.

In this month's roundup of American Banker's favorite stories: a deep-dive into how 2022 accelerated the decline of overdraft fees, Zelle's plan for addressing fraudulent transactions, the National Credit Union Administration opens the doors for fintech and credit union partnerships for lending and more.

Every issue of the magazine provides great features, opinion pieces and more about the issues keeping industry leaders up at night. Here is a look at some of the most exemplary coverage from the past 12 months.

The conflict caused inflationary price swings and an exodus of Western businesses from Russia, while also making a recession more likely in 2023.

Northeast Bank in Portland is putting capital earned from the Paycheck Protection Program to use, purchasing $1.1 billion of loans and launching a small-dollar Small Business Administration lending program.

The FTX collapse and other recent disasters in the cryptocurrency space show that there is an urgent need for oversight. A self-regulatory body would get there fastest, while preserving the ethos of cryptocurrency.

The industry is taking lessons from instant point-of-sale lenders to help homeowners embarking on major projects.

Digital banking apps such as Daylight, Greenlight and Re:start are helping their customers do more than stash paychecks and save for the future.

This year saw far more abandoned deals than the previous one. The list includes State Street's abandoned purchase of Brown Brothers Harriman Investor Services and FVCBancorp's failed merger with Blue Ridge Bankshares.

Telhio Credit Union in Ohio hopes to help contractors verify their earnings when applying for loans and other financial services.

The firm may get rid of up to 4,000 jobs to contain a slump in profit and revenue, people with knowledge of the matter said earlier this month, although the final number could come in lower.

Gone are the days of easy lending, cheap money and zero-interest deals. Here to stay: shifting rates, currencies, and inflation that will define the new age in capital markets, according to Bank of America Corp.'s Elif Bilgi Zapparoli.

JPMorgan Chase's Warsaw office is planning to extend a work and training program for Ukrainian refugees for another year after hiring around 50 this summer.

The 30-year fixed rate surged 15 basis points from a week earlier but ends 2022 at more than twice its mark from a year ago.

The White House now has just one key bank regulatory post unfilled, but it didn't get to this point easily.

Banks saw dealflow weaken in 2022, both for deals on which they advised and for their own M&A involving other banks and fintech companies.

Lenders are bracing for possible setbacks in small business, office and hospitality lending. Consumer credit challenges may follow.