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.

Federal regulators are seeking to modernize derivatives trading frameworks while Kentucky challenges the CFTC's authority over prediction markets. The CFTC and SEC have issued multiple requests for public comment on portfolio margining harmonization and derivatives product definitions, while the House debates whether fintech firms should gain access to Federal Reserve payment systems.

United States Finance

LS

Lowenstein Sandler

Vermont Enacts Commercial Financing Licensing And Disclosure Requirements

On June 16, Vermont enacted H. 648, a licensing and regulatory framework for providers of merchant cash advances, revenue-based financing, and factoring transactions.Effective July 1, 2027, the new law requires...

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

OCC Proposes Bank Secrecy Act And Sanctions Compliance Standards For Permitted Payment Stablecoin Issuers

The Office of the Comptroller of the Currency has proposed new Bank Secrecy Act and sanctions compliance standards for permitted payment stablecoin issuers, requiring them to maintain anti-money laundering and counter-terrorist financing programs. The proposal includes a notable safe-harbor provision protecting issuers with effective compliance programs from enforcement actions, while establishing interagency consultation requirements and information-sharing protocols between regulators.

United States Finance

RD

Riker Danzig LLP

New York's Digital Asset Lending Rules Are Now Live

New York's UCC Revision Act, effective June 3, 2026, introduces a modernized legal framework for digital assets including cryptocurrency, blockchain assets, and NFTs. The legislation establishes "controllable electronic records" as a technology-neutral mechanism for perfecting security interests in digital collateral, while creating new asset categories that reduce legal ambiguity for lenders.

United States Finance

D

Dechert

Financial Services Review: State Of The States - June 2026

United States Finance

MB

Mayer Brown

Know Your Stablecoin Customer: FinCEN And The Banking Agencies Propose Customer Identification Program Rules For Issuers

United States Finance

MB

Mayer Brown

The SEC Seeks Novel Ideas For Novel ETFs

United States Finance

KG

K&L Gates LLP

Financial Markets And Funds Quick Take | Issue 51

United States Finance

KM

Katten Muchin Rosenman LLP

Eight Takeaways From My Conversation With The SEC Crypto Task Force’s Chief Counsel

United States Finance

KM

Katten Muchin Rosenman LLP

CFTC Scrutiny Of Polymarket Puts Prediction-Market Compliance In Focus

United States Finance

GU

Gesmer Updegrove LLP

Navigating Distress: Commercial Real Estate Workouts In The CMBS And CLO Markets (Podcast)

United States Finance

MB

Mayer Brown

CFTC and SEC Seek Comment on Drawing Clearer Lines Between "Swaps" and "Security-Based Swaps" and on "Alternative Compliance"

United States Finance

BB

Baker Botts LLP

SEC Staff Issues Exemptive Order For Tender Of Exchange Offers For Non-Convertible Debt

United States Finance

GP

Goodwin Procter LLP

SBA Issues Policy Update On Warehousing Investments For SBIC Applicants

United States Finance

FH

Foley Hoag LLP

Massachusetts Appeals Court Rejects Website Links As Sufficient Securities Disclosure Under State Law

United States Commercial

GT

Greenberg Traurig, LLP

Federal Court Vacates $100,000 H-1B Fee

United States Immigration

JL

Jackson Lewis P.C.

Third Circuit Pumps The Brakes On Class Action Fee Multiplier

United States Litigation

BS

Ballard Spahr LLP

USTR Recommends New Tariffs Following Forced Labor Investigations

United States International

BI

Buchanan Ingersoll & Rooney PC

AI Notetakers: Productivity Tool Or Emerging Legal Risk?

United States Technology

MB

Mayer Brown

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Related Country Guides

Banking Regulation

Project Finance

Capital Adequacy/BASEL

U.S. Banking Agencies Propose New Rules To Reduce Regulatory Capital Requirements For Banks

Federal banking regulators have jointly proposed sweeping reforms to U.S. capital requirements, formally rescinding the controversial 2023 Basel III Endgame Framework in favor of a modernized approach that would reduce capital burdens...

United States Finance

HK

Holland & Knight

US NAIC Spring 2026 National Meeting Highlights: Investment-Related Highlights

The NAIC's Spring National Meeting addressed critical changes to risk-based capital factors for life insurers' collateral loans, with industry stakeholders debating the appropriate methodology for calculating RBC factors based on loan-to-value ratios and overcollateralization levels.

United States Finance

MB

Mayer Brown

Built For One Era, Operating Across Four Generations

Federal banking agencies have issued revised model risk management guidance in SR 26-2, introducing a more explicitly risk-based approach to model governance, validation, and monitoring. While primarily targeting organizations with over $30 billion in assets, the principles-based framework has broader implications for regional and community banks navigating evolving regulatory expectations.

United States Finance

AC

Ankura Consulting Group LLC

FCTM Breaking News: New York DFS Proposes New Payment Stablecoin Regulation

United States Finance

LS

Lowenstein Sandler

The New EU Payments Rulebook (PSD3/PSR): Implications For Payment Institutions In Germany, Spain And France?

Worldwide Finance

KL

Herbert Smith Freehills Kramer LLP

Less Capital, Fewer Problems?

United States Finance

JW

Jones Walker

Federal Banking Agencies Continue Effort To Eliminate Reputation Risk From Supervision

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

When Everyone Wants In: Shifting Venture Financing Terms In The AI Era

United States Finance

GP

Goodwin Procter LLP

New Cadwalader Whitepaper On Basel III Endgame Reproposal Treatment Of Securitization Interests

United States Finance

CW

Cadwalader, Wickersham & Taft LLP

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Debt Capital Markets

SEC Staff Issues Exemptive Order For Tender Of Exchange Offers For Non-Convertible Debt

In April, the Office of Mergers and Acquisitions of the SEC’s Division of Corporation Finance issued an exemptive order providing issuers and, in some cases, third party bidders with the flexibility to shorten...

United States Finance

GP

Goodwin Procter LLP

S.D.N.Y. Recognizes In Re ARD Finance As The First Chapter 15 “foreign Main Proceeding” Under Luxembourg’s 2023 Restructuring Statute

Judge Glenn recently became the first U.S. bankruptcy judge to recognize a Luxembourg judicial reorganization by collective procedure (the Luxembourg Proceeding or JRP) as a “foreign main proceeding” under Chapter...

United States Insolvency

KL

Herbert Smith Freehills Kramer LLP

New Applicability Dates Of Proposed Section 892 Regulations

On June 1, 2026, the U.S. Department of the Treasury (the Treasury) and the Internal Revenue Service (the IRS) published proposed regulations (the 2026 Proposed Regulations) addressing the applicability dates of proposed regulations published last year (the 2025 Proposed Regulations) regarding the Section 892 tax exemption for foreign governments.

United States Tax

AP

Arnold & Porter

IRS And Treasury Propose Revised Applicability Dates For Section 892 Rules On Foreign Government Investments

United States Tax

SA

Skadden Arps Slate Meagher & Flom

New Section 892 Proposed Regulations: Transition Relief And Grandfathering

United States Finance

D

Dechert

Borrowing Smart — Venture Debt And Other Financing Alternatives (Podcast)

United States Finance

LS

Lowenstein Sandler

Weighing Bankruptcy And Alternative Solutions For Distressed Situations: A Conversation With Harold Israel And Jack O’Connor (Podcast)

United States Insolvency

KM

Katten Muchin Rosenman LLP

United States Finance

LS

Lowenstein Sandler

Debt Sales 101 Mini-Series — Episode 6: After The Close: Compliance, Oversight, And Ongoing Risk (Podcast)

United States Finance

BS

Ballard Spahr LLP

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Charges, Mortgages, Indemnities

The New KYC: Know Your Collateral

As technology continues to creep into all aspects of life, banks and financial institutions have grown to appreciate the acronym “KYC”: Know Your Customer.

United States Real Estate

Aa

Adams and Reese

HUD Modifies FHA Mortgage Loan Policies To Reduce Regulatory Burdens And Promote Affordability

In a series of five Mortgagee Letters, the U.S. Department of Housing and Urban Development (HUD) recently modified policies for Federal Housing Administration (FHA) insured residential mortgage loans to reduce...

United States Finance

BS

Ballard Spahr LLP

Lien vs. Payment Subordination In Fund Finance

As the fund finance market evolves beyond traditional single-tranche credit facilities, understanding the critical distinctions between lien subordination and payment subordination becomes essential for structuring complex financings.

United States Finance

MB

Mayer Brown

Transferring Residential Property To An LLC: What Every Property Owner Should Know

United States Real Estate

RM

Rich May

SNDAs From The Tenant's Perspective: What To Negotiate And Why It Matters

United States Real Estate

HK

Holland & Knight

VA Announces Launch Of New Partial Claim Program To Help Protect Veterans From Foreclosure With VA Home Loans

United States Consumer

BS

Ballard Spahr LLP

I’m Buying A Business With An SBA Loan — Can I Just Transfer The Loan?

United States Finance

RL

Russo Law

Does Every Breach Of A Texas Home Equity Loan Agreement Trigger Loan Forfeiture? The Texas Supreme Court Says No

United States Finance

LB

Lewis Brisbois Bisgaard & Smith LLP

Employee Who Settled Qui Tam Action Receives Interest On Attorneys’ Fees From Time Of Entry Of Order

United States Litigation

PR

Proskauer Rose LLP

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Financial Services

NAIC Capital Adequacy (E) Task Force Adopts Changes To Life Risk-Based Capital Factors For 2026 And 2027

The NAIC Capital Adequacy Task Force has adopted significant changes to risk-based capital factors for life insurers, affecting collateralized loan obligations, residential mortgage loan funds, and collateral loans. These regulatory updates will take effect in phases between December 2026 and December 2027, fundamentally altering how insurers calculate capital requirements for these investment categories.

United States Insurance

MB

Mayer Brown

Federal regulators are seeking to modernize derivatives trading frameworks while Kentucky challenges the CFTC's authority over prediction markets. The CFTC and SEC have issued multiple requests for public comment on portfolio margining harmonization and derivatives product definitions, while the House debates whether fintech firms should gain access to Federal Reserve payment systems.

United States Finance

LS

Lowenstein Sandler

This weekly digest from Lowenstein Crypto examines critical regulatory and legislative developments shaping the digital asset landscape, including proposed tax reforms for mining and staking rewards, the Bank of England's stablecoin framework, and international enforcement actions. The briefing covers key policy shifts affecting cryptocurrency exchanges, central bank digital currencies, and cross-border data compliance requirements.

United States Commercial

LS

Lowenstein Sandler

Vermont Enacts Commercial Financing Licensing And Disclosure Requirements

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

OCC Proposes Bank Secrecy Act And Sanctions Compliance Standards For Permitted Payment Stablecoin Issuers

United States Finance

RD

Riker Danzig LLP

Financial Services Review: State Of The States - June 2026

United States Finance

MB

Mayer Brown

Know Your Stablecoin Customer: FinCEN And The Banking Agencies Propose Customer Identification Program Rules For Issuers

United States Finance

MB

Mayer Brown

FinTech Global FS Regulatory Round-up - W/e 26 June 2026

Worldwide Technology

KL

Herbert Smith Freehills Kramer LLP

Taxpayers Are Receiving IRS Notices Demanding Bank Account Information: Be Alert For Scams

United States Tax

MG

MGO CPA LLP

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Latest Videos

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AIFMD II: The Compliance Clock Is Ticking (Video)

D

Dechert

Banking Litigation Podcast EP58: Monthly Update – January/February 2026

KL

Herbert Smith Freehills Kramer LLP

Implications Of The CFPB's Proposed Rule Under The Equal Credit Opportunity Act (Podcast)

MB

Mayer Brown

Navigating Compliance Challenges: SEC Exams, Enforcement, Marketing Rule, And AI Trends (Video)

LS

Lowenstein Sandler

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

AO

A&O Shearman

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