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The lender traps consumers in an "exploitative cycle of debt," Brandon Scott said.

The merger of equals, which received a chilly reception from investors when it was announced in July, closed faster than analysts had expected.

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.

Last year highlighted the risks for banks in lending to nondepository financial institutions. A new approach by Trump-era regulators could change the playing field.

Articles about the AI deployments of big banks and of scammers generated clicks from American Banker readers.

Community banks are always looking for ways to expand local engagement. But for some banks, sponsoring disc golf courses, clubs and events offers a relatively inexpensive way to boost their profile among a very loyal customer base.

Fintechs sought to acquire the rights and privileges of bank charters in various ways this year, from de novo applications to buying up banks.

The Mortgage Bankers Association is examining the data to see if the high ratio warrants a new push for a premium cut but said rising arrears call for caution.

Visa and Mastercard logged increases in holiday spending, an industry group called for increased BNPL regulation in the U.S., and more in this week's global payments roundup.

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.

When Congress returns from its recess in 2026, a number of financial legislative issues will be teed up, including crypto market structure, deposit insurance and supervisory disputes.

New Jersey-based OceanFirst Financial slid in its planned $579 million acquisition of Flushing Financial just before the end of the year. The private equity firm Warburg Pincus is also participating in the transaction.

Credit unions hit new highs in membership, deposits and loans in 2025. But it was also a chaotic year for the industry's governing body, and the sector faced renewed attacks by banks.

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

The year was marked with six state regulations, new entrants, product and market expansion from existing EWA providers and buy-in from investors.

The fintech IPO drought ended this year with several large public exits by firms such as Chime, Klarna and Circle.

There is a narrow window of opportunity for banks to position tokenized deposits as an alternative to stablecoins for customers seeking the convenience of cheap, blockchain-enabled payments.

As stablecoins become an increasingly prominent feature of the financial landscape, Noelle Acheson gives us her top five trends to watch out for.

It's not just Capital One Cafés; banks all over the country are repurposing branches and offices. Marketing experts call it innovative, but critics say some lenders are crossing a legal boundary between banking and commerce.