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A US trade publication covering banking, bank regulation and financial technology for industry executives, with a regular opinion section.
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FDIC's draft RAMP certificate would swap repeated fintech diligence for one reusable assessment covering two of the three risk layers in a partnership. An American Banker opinion piece argues the third layer, how the two firms actually fit together, still has to be checked bank by bank.
Reality
House Democrats led by Maxine Waters asked the FDIC and OCC for at least 120 days to review a 400-plus-page Community Reinvestment Act rewrite. For banks, how long the rule lasts matters more, since the OCC's last solo rewrite was rescinded by the next administration.
Reality
Former Philadelphia Fed president wants examiners to use a 1962 law on AI vendors after the April 17 SR 11-7 rewrite excluded generative AI. The plan skips Congress but still asks for a new supervisory letter within 12 months, aimed at the few suppliers whose models many banks share.
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Senate Democrats reintroduced a private equity bill that would bar payouts from bought-out companies for four years and cap them at 10% of debt after that. Filed three times before, it is unlikely to pass this Congress and sets out what a Democratic majority could take up after the midterms.
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ASB Bank, Bank of America, Capital One, Commonwealth Bank of Australia, ING Group and NatWest set out transparency, safety, privacy, choice and interoperability in a document KeyBanc called voluntary and non-binding.
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An Edward Jones and Morning Consult poll puts fully documented succession plans at 42% of advisors. The practitioners explaining why chosen successors leave split between the price of the equity and never being told the equity exists.
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The minimum risk weight on certain senior securitization exposures would fall from 20% to 15% while corporate loans go from 100% to 95%, and Graham Steele says the private credit financing chain behind those numbers is already hard to map.
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Jamie Anderson keeps the CFO job while taking day-to-day oversight from Archie Brown, who is 64 and says his own succession is several years away. Hovde's analyst already calls Anderson the heir-apparent.
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Schroders' 2026 retirement survey asked pre-retirees when they expect to claim and where their income will come from. The answers describe intent, and the advisor commenting on them says fear is pulling some claims forward.
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American Banker's column treats last week's increase in the rate the Fed pays on bank reserves as a move on perceptions. It also says central banks now look like they are following the bond market.
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An American Banker opinion column reports banks gaining on mobile apps, websites, account management and access while credit unions keep their lead at the branch counter, and it prescribes fintech partnership as the fix.
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Fidelity's survey found confidence rises with how much detail older clients share with their children. Just 27% have explained their plan's details to their kids, and 35% keep them posted on changes.
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Sharetec told its credit unions that backup systems did not have time to take over when a data center lost cooling on Sept. 15. The NCUA cannot examine the vendor; its authority to do that expired.
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Sean Gray takes over the $22.3 billion-asset Massachusetts bank a year after its merger of equals. The promised $52 million of after-tax cost savings was booked in July, and the shares still fell more than 6.7% on Monday.
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American Banker reports that Walmart, the biggest wallet holdout until now, is supporting Apple Pay. Its sources put the cost on issuers whose cards are not the default credential in a customer's phone.
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The founder of the Ludwig Institute for Shared Economic Prosperity worries more about incomes at the bottom than about uncertain returns on AI, and the data that would confirm him sits in private credit books.
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RepTrak ran its 23-factor reputation questionnaire through Claude, ChatGPT and Gemini for seven banks, and the models came back with Ally at 52.1 and TD Bank at 19.4 while the same questions put the informed public's average at 70.0.
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Its survey of 1,000 US consumers found 75% want payment apps that work together and 65% of owners already keep more than one. The speed fee is the only money changing hands in the data.
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The Kansas City Fed counts fewer than seven de novo banks a year since 2010 against 185 a year before 2007, and its researchers put most of the fall down to technological change. Applications are rising anyway.
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An American Banker opinion piece argues that GPU-backed loans audit serial numbers and liens while the compute that repays them goes unmetered, and it points at power finance, where lenders advance against settled megawatt hours.
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Invest · September 15, 2026 · 1 publisher
Invest · September 15, 2026 · 1 publisher
Invest · September 15, 2026 · 1 publisher
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Invest · August 27, 2026 · 1 publisher
Invest · August 27, 2026 · 1 publisher
Invest · August 27, 2026 · 1 publisher