Bankeration

Banking News Roundup – 2026: Week 5 Warsh gets the nod for Fed chair, the government partially shuts down, the SEC & CFTC make moves on crypto, rates stay put, and 2026 gets its first bank failure — all in a five-minute read.

This week: Warsh gets the nod for Fed chair, the government partially shuts down, the SEC & CFTC make moves on crypto, rates stay put, and 2026 gets its first bank failure — all in a five-minute read. open.substack.com/pub/bankerat... #banking #bankingnews #financenews

Banking News Roundup – 2026: Week 4 Charters galore, Cook stays put, stablecoins grow, consumers perk up, a money launderer shuts down, and Trump takes on JPMorgan — all in a five-minute read.

The latest edition of the Roundup is out. This week: Charters galore, Cook stays put, stablecoins grow, consumers perk up, a money launderer shuts down, and Trump takes on JPMorgan — all in a five-minute read. open.substack.com/pub/bankerat... #banking #bankingnews #financenews

Banking News Roundup – 2026: Week 3 Earnings roll in, CLARITY gets foggy, lawfare lands on Powell, cards face caps, Gould takes on resolution plans, rates stay put, and national credit keeps steady — all in a five-minute read.

Our latest Roundup is out! This week: earnings roll in, CLARITY gets foggy, lawfare hits Powell, cards face caps, Gould takes on resolution plans, rates stay put, and national credit keeps steady —all in a 5 minute read. open.substack.com/pub/bankerat... #BankingNews #FinanceNews

Stablecoins and On-Chain Banking: A Capability Frontier, Not a Product Checklist Looking past the hype to examine what stablecoins actually are today, what they might enable over time, and why watching banks like Erebor may be more instructive than chasing pilots.

One thread in the 2025 Wrap-Up kept coming back in reader conversations: #stablecoins.

This isn’t a call to issue tokens. It’s a closer look at stablecoins as a capability frontier, and what that framing changes for banks.

open.substack.com/pub/bankerat...

2025 Wrap-Up The signals shaping banking as 2025 closes and 2026 begins, in a 12 minute read.

Bankeration’s annual wrap-up is out. We take a look at the signals shaping banking as 2025 closes and 2026 begins, from megabanks and AI to M&A, bank branches, and security – all in a 12-minute read. open.substack.com/pub/bankerat... #banking #bankinginsights #AIinBanking #Stablecoins #Regulation

Banking News Roundup – 2025: Week 50 The OCC greenlights crypto, the Fed cuts (and buys), the Senate spars, Treasury wants to own AML, and Open Banking rulemaking is on the come — all in a five-minute read.

The OCC greenlights crypto, @federalreserve.gov cuts (and buys), the Senate spars, @ustreasury.govmirrors.com wants to own AML, and Open Banking rulemaking is on the come — all in a five-minute read. open.substack.com/pub/bankerat... #BankingNews #FinanceNews #Debanking #CryptoNews

Banking News Roundup – 2025: Week 49 Deregulation rolls forward, states push back, banks have a ransomware problem, global scams take a hit, TradFi leans into crypto, and Sony eyes stablecoins – all in a five-minute read.

Deregulation rolls forward, states push back, banks have a ransomware problem, global scams take a hit, TradFi leans into crypto, and Sony eyes stablecoins – all in a five-minute read. open.substack.com/pub/bankerat... #banking #bankingnews #financenews #stablecoins

Banking News Roundup – 2025: Week 47 The Fed narrows its focus; the CFPB gets humble; deposit insurance reform takes a hit; SWIFT’s ISO 20022’s cutover arrives; crypto plunges but stablecoins hang tough – all in a five minute read.

The Fed narrows its focus; the CFPB gets humble; deposit insurance reform takes a hit; SWIFT’s ISO 20022’s cutover arrives; crypto plunges but stablecoins hang tough – all in a five minute read. open.substack.com/pub/bankerat... #banking #bankingnews #financenews #stablecoins

Banking News Roundup – 2025: Week 46 Washington springs back to life and dives back into crypto battles; Colorado rocks fintech lending; and Visa/Mastercard move toward a world where not every card is welcome — all in five minutes.

Washington springs back to life and dives back into #crypto battles; Colorado rocks fintech lending; and Visa/Mastercard move toward a world where not every card is welcome — all in five minutes. open.substack.com/pub/bankerat... #bankingnews #FinanceNews #stablecoins

Banking News Roundup – 2025: Week 45 Washington wrangles over crypto charters, private credit takes heat, AI’s promises and risks, and the Fed flags leverage and policy risk – all in five minutes.

This week: Washington wrangles over crypto charters, private credit takes heat, AI’s promises and risks, and the Fed flags leverage and policy risk – all in five minutes. open.substack.com/pub/bankerat... #banking #bankingnews #financenews

Banking News Roundup – 2025: Week 44 Rates fall, QT nears its end, the shutdown bites, skinny Fed master accounts get a fat response, TradFi and crypto draw closer, and deals abound – all in five minutes.

Rates fall, QT nears its end, the shutdown bites, skinny Fed master accounts get a fat response, TradFi and crypto draw closer, and deals abound – all in a five minute read. open.substack.com/pub/bankerat... #banking #bankingnews #financenew

Banking News Roundup – 2025: Week 42 The age of Erebor is arriving, regional bank stocks get battered, earnings turn up roses, PE gets to bid on failed banks, deposit insurance reform gets pushback.

Bank dealmaking is heating up — and we may have new players in assisted transactions.

The FDIC plans to let PE and other nonbanks bid for failed institutions, a major shift that could reshape how future crises are resolved.

bankeration.substack.com/i/176604169/... #banking #PrivateEquity

Banking News Roundup – 2025: Week 42 The age of Erebor is arriving, regional bank stocks get battered, earnings turn up roses, PE gets to bid on failed banks, deposit insurance reform gets pushback.

This week: The age of Erebor is arriving, regional bank stocks get battered, earnings turn up roses, PE gets to bid on failed banks, deposit insurance reform gets pushback – all in a 5 minute read. open.substack.com/pub/bankerat...
#banking #bankingnews #FinanceNews #stablecoins

Annual Survey of Community Banks The CSBS Annual Survey of Community Banks is a look at community banker sentiment about the economy, compliance costs, inflation, technology and more.

Crypto still isn’t a community bank thing.
According to the 2025 @CSBSNews survey, 68% say client crypto needs don’t matter—and 92% have no plans to offer crypto services anytime soon. www.csbs.org/survey

Market for Synthetic Risk Transfers Is Riddled With Gaps in Disclosure, IMF Officials Say Regulators need to step up the oversight of banks’ use of synthetic risk transfers which may make the financial system more fragile, according to a paper released by a group of International Monetary ...

The IMF is warning that the $250B+ synthetic risk transfer market is growing faster than regulators can see it. Blind pools, circular funding, and thin disclosures are making risk harder to track just as Europe moves to expand the market. www.bloomberg.com/news/article...

Banking News Roundup – 2025: Week 41 Deregulation picks up speed, deposit insurance reform gets a reboot, bad news for CDFIs, analysts warn of $1 trillion in deposit flight, and research says it pays to point the finger at a fraudster.

This week’s newsletter covers deregulation, a new FDIC insurance proposal, CDFI headwinds, $1T in potential deposit flight, and fresh Fed research on jobs — all in five minutes.
📨 Read it here: open.substack.com/pub/bankerat...

Penny shortage causes 'chaos' for banks and retailers Supplies of the one-cent coin have fallen faster than expected, causing headaches for cash businesses and the lenders that provide them with change.

A penny shortage is causing chaos for banks and retailers as the Fed halts distribution at 41 coin terminals. With production already stopped, lenders and merchants are scrambling for change — literally. www.americanbanker.com/news/penny-s...

Deregulation’s on the move, deposit insurance reform gets a reboot, CDFIs get bad news, analysts forecast $1 trillion in deposit flight, and @notredame.bsky.social Professor Vamsi Kanuri says it pays point the finger at a fraudster. open.substack.com/pub/bankerat... #banking #Regulation

Maspeth Federal's Bold Move: Staying Relevant by Making Technology Visible A case study in playing to your strengths in a changing world.

Maspeth Federal’s new tech center sits in a retail storefront. Why? Visibility builds trust. Personally, I'm a fan of incumbents who lean into their strengths as they navigate an evolving industry. Read Bankeration’s Practical: bankeration.substack.com/p/maspeth-fe...
#banking #CX #strategy

Cloudflare Introduces NET Dollar to Support a New Business Model for the AI-Driven Internet | Cloudflare Cloudflare, Inc. (NYSE: NET), the leading connectivity cloud company, today announced plans to introduce NET Dollar, a new U.S. dollar-backed stablecoin that will enable instant, secure transactions f...

Cloudflare launched ‘Net Dollar,’ a tokenized payment model for the AI-driven internet. Your online security vendor may now be competing with you for deposits. Might be time to update those third-party vendor risk questionnaires!
www.cloudflare.com/press/press-... #Banking #Stablecoins

Banking News Roundup – 2025: Week 40 The U.S. government shuts down, Treasury rates drop, mortgage rates rise, bank reserves go sub- $3 trillion, Hill is in, Harris is out, and the industry pushes for cybersecurity legislation.

From rate swings to reserve drains, Week 40 was full of signals.
Catch the concise breakdown:
📉 Treasury rates down
🏦 Reserves sub-$3T
⚡ Cyber law push
Read Bankeration’s Week 40 Roundup → open.substack.com/pub/bankerat...
#banking #financenews

FDIC Set to Jump Into Trump’s Debanking Fight With New Plan US regulators are set to unveil a plan next week targeting how officials scrutinize banks’ risk, after President Donald Trump moved to rein in what he sees as the closing of customer accounts for poli...

FDIC is preparing to join the Trump admin’s ‘debanking’ crackdown, per Bloomberg. Expect more reporting demands for large banks and possibly new rules. #banking #regulation #debanking
www.bloomberg.com/news/article...

Banking News Roundup – 2025: Week 40 The U.S. government shuts down, Treasury rates drop, mortgage rates rise, bank reserves go sub- $3 trillion, Hill is in, Harris is out, and the industry pushes for cybersecurity legislation.

The U.S. government shuts down, Treasury rates drop, mortgage rates rise, bank reserves go sub- $3 trillion, Hill is in, Harris is out, and a push for cybersecurity legislation. open.substack.com/pub/bankerat... #banking #financenews #bankinginsights #Regulation #CyberSecurity #Regulation

Exclusive | Banks Ordered to Dig Through Account Closures to Find ‘Debanking’ Cases Regulators demand information going back years as part of President Trump’s crackdown on alleged political or religious discrimination.

@wsj.com reports that U.S. regulators are combing through years of account closure data, searching for “de-banking” incidents.

The political heat is real. The supervisory approach is still being defined. Banks may in for a challenge. #debanking www.wsj.com/finance/regu...

De-banking and the Org Chart Senator Bernie Moreno called banks cowards for letting regulators push them around. Davis Polk's Meg Tahyar warned us years ago that we were setting the stage for exactly this outcome.

De-banking isn’t just a political headline—it’s an org chart problem. In my latest Practical, I explain why governance structures matter as much as ideology, and how legal’s shrinking role inside banks leaves blind spots.
Read: De-banking and the Org Chart open.substack.com/pub/bankerat...

Making Sense of DAOs: Why Uniswap Is Going to Wyoming The largest Decentralized Autonomous Organization (DAO) heads to the Cowboy State. Others may follow.

DAOs are leaving Discord and moving into Wyoming corporate law.
In my latest Closer Look, I unpack why Uniswap chose the Cowboy State—and what it says about the evolution of decentralized governance.
Read: Making Sense of DAOs open.substack.com/pub/bankerat...

Finfluencer Future The rise of finfluencers and what the banking industry is (not) doing about it.

Check out my post about the World Economic Forum’s 2024 report on finfluencers for a little more color: open.substack.com/pub/bankerat...

Crypto Users Care More About Trust than Lower Fees: Kraken Survey - Decrypt A recent survey conducted by crypto exchange Kraken found that Americans are placing a premium on trust, as opposed to lower trading fees.

Kraken’s new survey shows 80% of U.S. crypto users would pay higher fees for an exchange they trust. Only 16% put cost first. Imagine if clients valued banks the same way—we’d all like those results. A partial answer: better positioning and storytelling.
decrypt.co/341343/crypt...

Banking News Roundup – 2025: Week 38 This week: Cook goes to SCOTUS, CDFIs get hope, Banks get debanking inquiries, CRE gets lower rates, the SBA gets flack for its new citizenship requirements, and a lot of bank mergers get announced.

Cook goes to SCOTUS, CDFIs get hope, Banks get #debanking inquiries, CRE gets lower rates, the SBA gets flack for its new citizenship requirements, and a lot of #mergers get announced – in a 5 minute read. open.substack.com/pub/bankerat...
#banking #bankingnews #financenews #stablecoins #mergers

Banking News Roundup – 2025: Week 37 Anti-debanking efforts ramp up, the CFPB braces for more layoffs, markets anticipate Fed cuts, FedNow raises its limit, Tether plans a U.S. launch, PNC and UBS make moves — all in a five minute read.

Anti-debanking efforts ramp up, more layoffs are planned for the CFPB, markets anticipate rate cuts, FedNow ups its limit, Tether plans a U.S. launch, and PNC and UBS make moves. tinyurl.com/bddbnd6m

#banking #bankingnews #financenews #debanking #cryptocurrency #stablecoins