Financial Stability

The Federal Reserve has withdrawn various supervisory guidance materials outlining policies regarding cryptocurrencies and other digital tokens. The agency characterized the moves as necessary to ensure industry expectations align with evolving risks and further support innovation in the banking system. Read on »

Federal Reserve Gov. Michelle Bowman, the Trump administration’s nominee to be the agency’s new vice chair for supervision, was praised by Republicans but faced heavy scrutiny from Democrats during her Senate confirmation hearing. Read on »

Another chapter was written in the ongoing legal saga concerning the embattled Consumer Financial Protection Bureau last week. Shortly after a federal court partially lifted a court order preventing mass firings at the bureau, the Trump administration resumed its plans to gut the agency, prompting the courts to intervene again. Read on »

Federal banking regulators granted conditional approval for a $35.3 billion merger agreement through which Capital One Financial Corp. will acquire and merge with Discover Financial Services. As a condition of regulatory approval, Discover must settle any outstanding enforcement actions against the company. Read on »

The Federal Deposit Insurance Corp. announced a newly modified approach to resolution planning for large banks geared toward focusing on the most relevant operational information for safety and soundness considerations. Read on »

All eyes are on the Federal Reserve as concerns about the economic implications of recent policy changes regarding trade and other factors proliferate among consumers and business leaders. Read about these developments and more in this regulatory roundup. Read on »

A federal court ordered Bank of America to pay nearly $540.3 million for underpaying for deposit insurance. The issue stemmed from a calculation error due to a misinterpretation of a 2011 rule enacted by the Federal Deposit Insurance Corp. The rule in question applies when calculating a federally-insured bank’s “counterparty exposure” level for the purpose of ensuring an institution’s safety and soundness. Read on »

The Office of the Comptroller of the Currency announced an organizational restructure which entails the consolidation of its supervisory functions for large, midsize and community banks, among other changes. The announcement set off alarm bells in the community banking sector. Read on »

The Federal Deposit Insurance Corp. (FDIC) is considering actions banking industry professionals frequently describe as “right-sizing” the regulatory framework applied to financial institutions. During the 2025 American Bankers Association Summit in Washington, D.C., FDIC acting director French Hill discussed the potential for easing capital standards for the largest and most complex institutions, as well as the impact volatile market conditions may have on the banking sector. Read on »

In his latest speech regarding the state of monetary policy and the U.S. economy, Federal Reserve Chair Jerome Powell acknowledged the growing concerns about expected inflation stemming from newly announced tariffs and slower projected GDP growth but insisted “the economy is still in a good place.” Read on »