Title II

Dodd Frank Update consulted Wolters Kluwer Legal and Regulatory Analyst John Pachkowski about the implications of the recent spike in Standing Repo Facility activity. He explained its connection to recent shifts in monetary policy. Read on »

U.S. Treasury Secretary Scott Bessent emphasized the importance of “economic security” in his opening letter for the Financial Stability Oversight Council’s 2025 Annual Report. The report includes key insights and recommendations about the impact of regulatory and supervisory policies on the banking and mortgage markets. Read on »

The Federal Reserve Board published a final rule to update its method for determining individual capital requirements for the nation’s largest, most complex banking institutions. If finalized, banks’ capital needs will be based on their average stress test results over two consecutive years. Read on »

The U.S. District Court for the District of North Dakota vacated the Federal Reserve’s 2010 debit interchange rule after years of litigation over its legality. The ruling sparked criticism from consumer banking advocates who are hopeful the ruling will be appealed. Read on »

The country’s largest and most complex banking institutions are well-positioned to weather a severe recession, according to the Federal Reserve’s annual bank stress test results. In April, the Fed proposed a new rule to average stress test results over two consecutive years to determine an institution’s minimum capital requirement. Read on »

A federal court is considering a request for a temporary stay on litigation in a lawsuit challenging the legality of the Federal Reserve’s bank stress testing regime. The plaintiffs joined with the Fed in asking for a halt in proceedings, acknowledging the agency’s “good-faith effort” to address transparency concerns raised in the suit. Read on »

Federal banking regulators granted conditional approval for a $35.3 billion merger agreement through which Capital One Financial Corp. will acquire and merge with Discover Financial Services. As a condition of regulatory approval, Discover must settle any outstanding enforcement actions against the company. Read on »

The Federal Deposit Insurance Corp. announced a newly modified approach to resolution planning for large banks geared toward focusing on the most relevant operational information for safety and soundness considerations. Read on »

The Federal Deposit Insurance Corp. (FDIC) is considering actions banking industry professionals frequently describe as “right-sizing” the regulatory framework applied to financial institutions. During the 2025 American Bankers Association Summit in Washington, D.C., FDIC acting director French Hill discussed the potential for easing capital standards for the largest and most complex institutions, as well as the impact volatile market conditions may have on the banking sector. Read on »

The Federal Reserve released a list of hypothetical scenarios to be used in its annual stress testing, designed to ensure that large banks can withstand the effects of a severe economic downturn. This year’s stress tests will simulate a major dip in housing prices, among other adverse market conditions. Read on »