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Under a proposed rule, the agency would let most nationally chartered firms off the hook for heightened regulatory standards. The rule would raise the bar from $50 billion to $700 billion of assets and leave only eight firms subject to heightened regulation.

Stories about data breaches, fraud and one neobank were reader favorites this year.

The Federal Reserve is slated to undertake a number of important rules and regulations in 2026, but decisions around agency leadership and the Trump administration's avowed effort to exert greater control over the central bank are likely to leave a lasting legacy at the agency.

National ad campaigns are impressive. But few things create more goodwill or lasting impact than visible, hands-on support of a community's youth, no matter the size of the bank.

Consumer appetite for mobile wallets is growing, challenging banks to innovate to stay ahead.

As commissioner of Virginia's Bureau of Financial Institutions since 1997, Joe Face emphasized strengthening the dual banking system.

Bank merger and acquisition activity rebounded this year, led by Fifth Third's $10.9 billion proposed purchase of Comerica. Huntington, PNC and Columbia were involved in some of the other biggest deals announced in 2025.

Articles about stablecoins, scams, fintechs, premium credit cards and open banking were just some of the topics that struck a chord with American Banker subscribers in 2025.

From credit bureaus to software providers, 2025 saw attackers bypass bank defenses by targeting the supply chain and using social engineering.

Banks are beginning to engage with decentralized financial infrastructure. But until lawmakers create a foundation for allowing legally recognized entities like LLCs and nonprofits to govern these networks, compliance burdens will hinder full adoption.

Fewer than 1% of members reported surges relative to total assets outside the normal range, making Silvergate's experience unusual, according to the GAO.

Banks typically prefer to steer clear of politics. But in 2025, politics would not steer clear of banks

CodeBoxx Academy is filling a void for banks and other companies that desperately need AI experts. Peret's time behind bars uniquely informed how he runs the school, he says. 

The Consumer Financial Protection Bureau will face an existential crisis in 2026 between the Trump administration's efforts to shut down the agency and the employee union and consumer advocates who want to stop them.

Monetary policy remains the key to the markets. The Federal Open Market Committee predicts one rate cut in 2026, but the panel will get a lot of data before

The Federal Deposit Insurance Corp. has made big changes in 2025, including cutting headcount, walking back Biden-era rules and guidance and resetting the agency's approach to  emerging technologies and crypto.

The Treasury Department issued guidance on how merchants can round cash transactions to the nearest nickel. Banks and retailers have been calling for more clarity from the government amid a penny shortage that stems from the Trump administration's abrupt decision to halt production of the one-cent coins.

The bank regulator is proposing to strengthen national preemption in the wake of conflicting decisions in related court cases.

The card network and bank technology seller partnered to expand AI protocols, while British payment companies face tougher fee disclosures but looser rules for contactless transactions. That and more in the American Banker global payments and fintech roundup.

The former chief national bank examiner for the Office of the Comptroller of the Currency sees welcome changes in the structure of federal banking supervision, but warns against the dangers of complacency.