Title II

A federal court is considering a request for a temporary stay on litigation in a lawsuit challenging the legality of the Federal Reserve’s bank stress testing regime. The plaintiffs joined with the Fed in asking for a halt in proceedings, acknowledging the agency’s “good-faith effort” to address transparency concerns raised in the suit. 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 »

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 »

The Federal Reserve released a list of hypothetical scenarios to be used in its annual stress testing, designed to ensure that large banks can withstand the effects of a severe economic downturn. This year’s stress tests will simulate a major dip in housing prices, among other adverse market conditions. Read on »

The Federal Reserve announced plans to update its stress testing process to improve transparency and reduce the volatility of the resulting capital buffer requirements. Although banking advocates largely support the planned changes, several industry groups filed suit in federal court seeking to prevent potential harm arising from the current stress testing regime. Read on »

The potential impact of the 2024 U.S. election cycle on housing policy and financial regulation could be enormous as Republicans seem poised to take control of the presidency, the Senate and the House in January. To get a sense of the magnitude of what changes could be looming ahead, Dodd Frank Update spoke with two experts from the CRE Finance Council, which released a 2024 Election Scenario Analysis pontificating on the numerous potential outcomes of the three concurrent elections. Read on »

The Federal Reserve finalized individual capital requirements for the nation’s largest federal-insured financial institutions, based on the results of stress tests conducted earlier this year. Stress tests provide federal banking regulators insight which informs the capital requirements imposed on systemically-important financial institutions with $100 billion or more in total consolidated assets in accordance with their individual risk profiles and forward-looking assessment of their capital needs. Read on »

House Financial Services Committee members wrote to Federal Reserve Chair Jerome Powell, urging him to retract and reintroduce the agency’s Basel III Endgame rulemaking. Many financial industry insiders expect the Fed to do so amid widespread pushback on its provisions. Read on »

To help certain banks with total assets exceeding $250 billion with resolution planning, the Federal Deposit Insurance Corp. approved final joint guidance largely similar to one proposed in August last year but revised in response to stakeholder comments. Read on »