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Banking content
Fair Debt Collection Practices Act
The CFPB’s 2025 Annual Report examines how debt collection practices affected consumers during 2024, drawing on complaint data, supervision findings, enforcement actions, and policy developments. It highlights recurring consumer issues…
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Report on Actions Taken to Implement Gold Standard...
The Consumer Financial Protection Bureau has laid out its plan to implement the Gold Standard Science principles required under Executive Order 14303. The report details how CFPB will embed reproducibility,…
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Executive Order 14331: Guaranteeing Fair Banking...
This executive order takes aim at “politicized or unlawful debanking,” where financial institutions restrict services based on political or religious beliefs, or lawful business activities they disfavor. It directs federal…
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Sixth Report Pursuant to Section 202(E) of the...
Fifteen years after the financial crisis, the 2025 Dodd-Frank report reflects on progress made in building a safer financial system—and where risks still remain. It highlights the importance of capital,…
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Semiannual Risk Perspective
The Spring 2025 Semiannual Risk Perspective from the OCC highlights how rising interest rates, commercial real estate exposure, and cybersecurity threats are reshaping risk for national banks and federal savings…
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Cybersecurity and Financial System Resilience...
The 2025 Cybersecurity Report outlines the growing complexity of cyber threats facing the U.S. financial system, highlighting vulnerabilities linked to third-party service providers and outdated legacy systems. It emphasizes the…
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International Narcotics Control Strategy Report
The 2025 International Narcotics Control Strategy Report highlights both progress and growing global challenges in combating illicit drug trafficking. While U.S. overdose deaths declined for the first time in years,…
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Bankwise: Your Rights Simplified
Electronic Fund Transfer Act (Regulation E) The Electronic Fund Transfer Act (EFTA), enforced through Regulation E, provides key protections for consumers engaging in electronic fund transfers (EFTs) such as debit…
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Quarterly Report on Bank Trading and Derivatives...
This report provides a comprehensive overview of U.S. banks’ trading and derivatives activity for the fourth quarter of 2024. It highlights a 10.6% decline in trading revenue from the prior…
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Executive Order 14215: Ensuring Accountability for...
This document outlines updated rules from the Consumer Financial Protection Bureau (CFPB) regarding credit card penalty fees. It aims to ensure fairer practices by capping late fees and increasing transparency…
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Toward Globalization 2.0: A New Trade Policy...
The era of Globalization 1.0, marked by idealistic free trade and fading borders, is giving way to a more grounded strategy that recognizes geopolitical realities and national interests. This new…
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Bank Capital Reforms: U.S. Agencies’ Participation...
U.S. banking regulators played a vital role in shaping the final Basel III capital standards—global rules that aim to make big banks safer and more resilient. The report shows how…
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Small Business Credit: How Entrepreneurs Finance...
Access to credit can make or break a small business, yet navigating the financing landscape is no small feat. The latest Federal Reserve report highlights the diverse lending options available,…
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A Look at the U.S. International Investment...
The U.S. international investment position saw a significant shift in the third quarter of 2024, with liabilities growing faster than assets. The net position dropped by $1.06 trillion, reflecting increased…
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Retirement Income: 2022 Survey of Income and...
Retirement income plays a crucial role in financial stability for older adults, yet only 48% of those aged 65 and over receive it outside of Social Security. Pensions, IRAs, and…
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