United States: Finance and Banking

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Finance law and banking law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as capital adequacy, BASEL, acquisition finance, debt capital markets, fund finance, islamic finance, securitization and structured finance.

NYDFS TPRM Guidance: What Financial Institutions Need To Know

Third-party relationships are the lifeblood of modern financial innovation. From cloud computing and fintech partnerships to artificial intelligence, reliance on outside experts...

United States Finance

KR

Kaufman Rossin

CFPB Says Some Earned Wage Access Products Not Considered Credit

On December 23, 2025, the CFPB issued an advisory opinion stating that "covered" earned wage access (EWA) products fall outside the definition of credit under TILA's Regulation ...

United States Finance

GP

Goodwin Procter LLP

BSA/AML Priorities Under A New Administration (Podcast)

Join us for a timely and insightful conversation on the evolving landscape of anti-money laundering (AML) compliance in consumer financial services.

United States Finance

BS

Ballard Spahr LLP

OCC Proposes To Clarify Activities Permissible For National Trust Banks

On January 12, 2026, the Office of the Comptroller of the Currency (OCC) issued a notice of proposed rulemaking to amend its national bank chartering regulation, 12 C.F.R. § 5.20...

United States Finance

BS

Ballard Spahr LLP

Banking Industry Outlook: U.S. Banking M&A Caps Off A Historic 2025

United States Finance

AC

Ankura Consulting Group LLC

Senate Banking Committee Releases Amendment To 2025 Responsible Financial Innovation Act Draft

United States Finance

DW

Davis Wright Tremaine

SEC IM Director Shares Views On Proxy Voting

United States Finance

D

Dechert

OCC Proposes Clarifying Amendments To National Trust Bank Chartering Rule

United States Finance

SM

Sheppard Mullin Richter & Hampton

In A Retreat, CFPB Submits $145 Million Funding Request Following Court Order

United States Finance

SM

Sheppard Mullin Richter & Hampton

Federal Reserve Board Proposes "Payment Account" Prototype To Facilitate Payments Innovation While Limiting Reserve Bank Risk

United States Finance

CW

Cadwalader, Wickersham & Taft LLP

What Does "Fair, Clear And Not-Misleading" Mean In The Context Of Fund Strategies?

United States Finance

JD

Jones Day

Year Ahead In The UK For Private Fund Managers

United States Finance

SR

McDermott Will & Schulte

AGs' Interest In Capital One Savings Pays Off For Consumers

United States Finance

CO

Cozen O'Connor

Today's Podcast Episode: BSA/AML Priorities Under A New Administration

United States Finance

BS

Ballard Spahr LLP

How I Learned To Love Mediator's Proposals - Why Modern Mediation Sometimes Calls For A Guiding Hand

United States Litigation

J

JAMS

Countdown To Jan. 1, 2026: Preparing For California's New AI Training Data Transparency Obligations

United States Technology

FK

Frankfurt Kurnit Klein & Selz

Mass Tort Mediation Strategies: Managing Emotions And Understanding Key Legal Trends (Podcast)

United States Litigation

J

JAMS

The Empty Chair At Johannesburg: What It Says About US Power

United States International

SJ

Steptoe LLP

Artificial Intelligence In ADR: A Neutral's Evolving Perspective

United States Technology

J

JAMS

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Related Country Guides

Project Finance

Banking Regulation

Capital Adequacy/BASEL

Cheat Sheet—FCA's New Targeted Support Regime—other Frequently Asked Questions (FAQs)

This will not be permitted at the outset but the Treasury will review the position in due course.

United States Consumer

AO

A&O Shearman

Art Basel Miami Beach: An Art Appraiser's Perspective

One of the art world's most important events in the United States has recently concluded in Miami Beach, Florida. Running December 3-7, 2025...

United States Finance

SH

Shook, Hardy & Bacon

OCC And FDIC Rescind Interagency Leveraged Lending Guidance

The Statement marks what could be a significant shift in the regulatory landscape for banks engaged in leveraged lending and comes amid the continued prevalence of the private credit market and other non-bank lending.

United States Finance

WS

Winston & Strawn LLP

Federal Banking Agencies Finalize The ESLR Rule, With Some Adjustments

United States Finance

DW

Davis Wright Tremaine

How Regulatory Change Is Reshaping Global Lending

United States Finance

WL

World Law Group

Federal Banking Agencies Propose Lower Community Bank Leverage Ratio Requirements

United States Finance

DW

Davis Wright Tremaine

3 Recent Regulatory Developments Relevant To The EU And UK Securitisation Markets

Worldwide Commercial

ST

Simpson Thacher & Bartlett

Will Crypto Capital Find A Home In The U.S.?

United States Technology

DW

Davis Wright Tremaine

OCC Settles With Bank Over Alleged BSA/AML Violations

United States Finance

SM

Sheppard Mullin Richter & Hampton

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Debt Capital Markets

What Does "Fair, Clear And Not-Misleading" Mean In The Context Of Fund Strategies?

It has been the case for many years that promotional materials in the EU must be "fair, clear, and not mis-leading".

United States Finance

JD

Jones Day

Retail Capital In Private Markets: Key ILPA Takeaways

Following changes announced by the US Securities and Exchange Commission (SEC) in August 2025, the Institutional Limited Partners Association (ILPA) has recently published an analysis underscoring a structural shift...

United States Commercial

KM

Katten Muchin Rosenman LLP

Asia Private Capital: Fourth-quarter Data And Trends

We started 2025 by predicting that, after a subdued first quarter, data suggested an imminent uptick in the M&A and exit markets.

Worldwide Commercial

KL

Herbert Smith Freehills Kramer LLP

CFPB Brings Clarity To Earned Wage Access Products

United States Finance

GP

Goodwin Procter LLP

OECD Publishes Policy Brief On Financing Instruments And Policy Levers To Harness Biomanufacturing For Climate, Biodiversity, And Growth

United States Finance

BC

Bergeson & Campbell

Private Credit ETFs For Retail Investors: Yield Potential, Liquidity Risks And Regulatory Scrutiny

United States Finance

KM

Katten Muchin Rosenman LLP

Illinois Revamps The Scope Of Its Collection Agency Licensing Law

United States Finance

MB

Mayer Brown

Illinois Revamps The Scope Of Its Collection Agency Licensing Law

United States Finance

MB

Mayer Brown

CFTC Staff Extends Relief To Certain RIAs Operating Private Commodity Pools

United States Finance

D

Dechert

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Charges, Mortgages, Indemnities

AGs' Interest In Capital One Savings Pays Off For Consumers

Capital One reached a $425 million class action settlement with its 360 Savings customers, resolving claims that the bank misled customers and deprived them of higher interest...

United States Finance

CO

Cozen O'Connor

US NAIC Fall 2025 National Meeting Highlights: Investment-Related Highlights

This update reports on selected investment-related topics from the NAIC's Fall National Meeting, December 8-11, 2025, as well as a number of interim developments that took place between the NAIC's Summer...

United States Insurance

MB

Mayer Brown

Mortgage Banking Update - January 8, 2026

January 8 – Read the newsletter below for the latest Mortgage Banking and Consumer Finance industry news, written by Ballard Spahr attorneys.

United States Finance

BS

Ballard Spahr LLP

CFPB Adjusts HPML Asset Exemption Threshold

United States Finance

BS

Ballard Spahr LLP

Ohio Walks Back Prior Small Loan Act Guidance, Eases Licensing Position For Bank Partnerships

United States Finance

MB

Mayer Brown

Ohio Walks Back Prior Small Loan Act Guidance, Eases Licensing Position For Bank Partnerships

United States Finance

MB

Mayer Brown

Illinois Revamps The Scope Of Its Collection Agency Licensing Law

United States Finance

MB

Mayer Brown

Illinois Revamps The Scope Of Its Collection Agency Licensing Law

United States Finance

MB

Mayer Brown

Instructions For Facilitating A Child's Home Purchase

United States Finance

WD

Wiggin & Dana

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Financial Services

NYDFS TPRM Guidance: What Financial Institutions Need To Know

Third-party relationships are the lifeblood of modern financial innovation. From cloud computing and fintech partnerships to artificial intelligence, reliance on outside experts...

United States Finance

KR

Kaufman Rossin

CFPB Says Some Earned Wage Access Products Not Considered Credit

On December 23, 2025, the CFPB issued an advisory opinion stating that "covered" earned wage access (EWA) products fall outside the definition of credit under TILA's Regulation ...

United States Finance

GP

Goodwin Procter LLP

BSA/AML Priorities Under A New Administration (Podcast)

Join us for a timely and insightful conversation on the evolving landscape of anti-money laundering (AML) compliance in consumer financial services.

United States Finance

BS

Ballard Spahr LLP

OCC Proposes To Clarify Activities Permissible For National Trust Banks

United States Finance

BS

Ballard Spahr LLP

Banking Industry Outlook: U.S. Banking M&A Caps Off A Historic 2025

United States Finance

AC

Ankura Consulting Group LLC

Speaking Sustainability - Legal & Regulatory Updates - December 2025

United States Environment

AG

Akin Gump Strauss Hauer & Feld LLP

Senate Banking Committee Releases Amendment To 2025 Responsible Financial Innovation Act Draft

United States Finance

DW

Davis Wright Tremaine

SEC IM Director Shares Views On Proxy Voting

United States Finance

D

Dechert

OCC Proposes Clarifying Amendments To National Trust Bank Chartering Rule

United States Finance

SM

Sheppard Mullin Richter & Hampton

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Latest Videos

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The Who, When And How Of The New UK Prospectus And Public Offer Rules From An Equity Perspective (Podcast)

AO

A&O Shearman

Episode 17: Dealmaking For The Future Generation – Inside Empower Youth Zones (Video)

AM

Alvarez & Marsal

AIFMD 2.0 Digest: What's Next For Non-EU Managers? (Podcast)

PR

Proskauer Rose LLP

Emerging Manager Minute (Video)

AG

Akin Gump Strauss Hauer & Feld LLP

Designated Gifts — Honoring Intent, Avoiding Liability (Video)

MB

Michael Best

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