United States: Finance and Banking

In March 2026, U.S. banking regulators released a comprehensive set of proposals to recalibrate capital requirements for banking organizations of all sizes, marking a significant shift from their 2023 approach. These proposals aim to enhance risk sensitivity, reduce complexity, and produce more moderate capital impacts while improving the competitive position of U.S. banks relative to their international peers. The proposals include implementing final Basel III standards for the largest banks, revising the

On April 7, 2026, the Federal Deposit Insurance Corporation (FDIC) issued a notice of proposed rulemaking (the Proposal) to implement key provisions of the Guiding and Establishing National Innovation for U.S. Stablecoins Act (the GENIUS Act) applicable to FDIC-supervised institutions, including permitted payment stablecoin issuers (PPSIs) and insured depository institutions (IDIs) engaged in related custodial or safekeeping services

On March 19, 2026, the federal banking agencies issued a package of proposed changes to the regulatory capital requirements for banking institutions of all sizes, from the largest GSIBs and super-regional banks to community banks. This package of proposals (the “Proposed Rules”) is a second full attempt at implementing the 2017 “Basel III Endgame” international framework—following the agencies’ initial package of proposals in July 2023 (the “2023 NPR”)—to better reflect credit, trading and operational risk in the calculation of regulatory capital ratios.

In the final episode of our Debt Sales 101 mini-series, we focus on what happens after a debt sale closes and how sellers manage ongoing compliance, oversight, and risk.

In the final episode of our Debt Sales 101 mini-series, we focus on what happens after a debt sale closes and how sellers manage ongoing compliance, oversight, and risk.

The long-standing distinction between public and private markets is blurring at the same time as geopolitics and industrial policy measures are having an increasing influence on the flow of capital across borders.

HUD has published its 2026 Income Limits, which serve as the IRS's safe harbor guidance for single family mortgage revenue bonds and mortgage credit certificates. Issuers have flexibility in choosing between current and previous year HUD publications, with specific rules governing high housing cost calculations and transition periods following new table releases.

Read the newsletter below for the latest Mortgage Banking and Consumer Finance industry news, written by Ballard Spahr attorneys. In this issue, our lawyers examine OFAC’s advisory warning...

Together, these actions are intended to reaffirm the authority of national banks under federal law to earn and receive interchange fees and to prevent the imminent application of Illinois’s...

In the final episode of our Debt Sales 101 mini-series, we focus on what happens after a debt sale closes and how sellers manage ongoing compliance, oversight, and risk.

In the final episode of our Debt Sales 101 mini-series, we focus on what happens after a debt sale closes and how sellers manage ongoing compliance, oversight, and risk.

HUD has published its 2026 Income Limits, which serve as the IRS's safe harbor guidance for single family mortgage revenue bonds and mortgage credit certificates. Issuers have flexibility in choosing between current and previous year HUD publications, with specific rules governing high housing cost calculations and transition periods following new table releases.