Bank business models, deposits, capital and liquidity.
California closed Irvine-based Nano Banc on September 25 and appointed the FDIC as receiver. Sandy, Utah-based Sunwest Bank agreed to assume substantially all deposits and purchase selected assets. Sunwest says customer access continues and the branch is scheduled to reopen under its name September 28.
Published: Sep 27, 2026On September 24, the Federal Reserve proposed standards for Board-supervised payment stablecoin issuers, including permitted reserve assets, capital and risk management. A separate proposal addresses applications by supervised banks seeking to issue through subsidiaries.
Published: Sep 27, 2026Friday’s rally left the more consequential credit signal intact: the 2-year Treasury near 4.81% and the 10-year near 5.17%. Funding discipline remains important despite the one-session equity move.
Published: Sep 26, 2026GENIUS Act implementation proposals address reserves, capital, liquidity, custody, applications and reporting. Proposed requirements must be distinguished from effective obligations.
Published: Sep 26, 2026Reporting on SoFi and Mastercard’s stablecoin settlement partnership puts settlement liquidity and working capital in focus. The test is whether a new settlement rail improves the full operating process.
Published: Sep 26, 2026Bankrate’s September 25 comparison listed Bread Savings at 4.00% APY. The quoted rate is dated product context, rather than a company performance disclosure.
Published: Sep 26, 2026How insurance follows beneficial ownership in qualifying custodial deposits, why balances aggregate across channels, and why insurance does not guarantee uninterrupted access.
Published: Sep 27, 2026A worked risk-adjusted return framework separates expected loss, funding cost, operating expense and capital, then tests whether a lending program clears its hurdle under stress.
Published: Sep 27, 2026How whole-loan sales differ from borrowing and securitization, what forward-flow commitments really promise, and how recourse can leave risk with the seller.
Published: Sep 27, 2026A dated bank-level profile of SoFi’s deposit-funded lending model, separating the insured bank from parent-company technology, product and earnings measures.
Published: Sep 27, 2026The June 2026 rebrand is only the starting point. This profile examines the bank’s mixed retain-and-sell model and the comparability challenges from its 2026 accounting transition.
Published: Sep 27, 2026A dated profile separates Ally Bank from Ally Financial and examines deposit repricing, vehicle collateral, dealer channels and the timing of credit losses.
Published: Sep 27, 2026A bank-specific profile of First Electronic’s charter, dated balance sheet and partnership model, with a focus on retained exposure, operating scale and program accountability.
Published: Sep 27, 2026The June 2024 Evolve order links fintech oversight to AML, consumer compliance, credit, liquidity and board reporting. Its restrictions show why partner growth and exit both require a bank-wide risk assessment.
Published: Sep 27, 2026A practical framework for separating deposit pricing, migration and runoff when measuring earnings and liquidity sensitivity.
Published: Sep 27, 2026How collateral eligibility and funding conditions can make a committed facility much smaller than its headline size.
Published: Sep 27, 2026A profile of the bank’s disclosed lending model, with a dated size benchmark and a framework for assessing concentrations and partner economics.
Published: Sep 27, 2026A Utah bank profile that separates CardWorks ownership, acquired receivables and the operating demands of a broad consumer-credit platform.
Published: Sep 27, 2026Coastal’s June 2026 results show why partner indemnities, swept deposits and loan-sale volumes must be evaluated separately from bank assets.
Published: Sep 27, 2026How the bank’s deposits, card assets and capital differ from American Express’s consolidated network and corporate results.
Published: Sep 27, 2026Bank-fintech partnerships can create distribution and fee income, but the sponsor needs enforceable control over lending, deposit records, complaints and exit. The decisive test is whether the bank can operate when its partner cannot.
Published: Sep 27, 2026CAMELS is a confidential supervisory assessment, not a public credit score or a mechanical average. The May 2026 proposal would emphasize material financial risk; strong current earnings still need to be tested against emerging credit and liquidity weakness.
Published: Sep 27, 2026The Consumer Financial Protection Accountability and Reform Act of 2026 advanced from House Financial Services in September. It remains proposed legislation; its supervisory election and enforcement provisions are more consequential than the headline funding reform alone.
Published: Sep 27, 2026The March 2026 order directs consideration of mortgage, capital and liquidity reforms. It does not itself rewrite Regulation Z. The lending opportunity depends on actual agency action, lower operating cost and preserved repayment discipline.
Published: Sep 27, 2026The OCC’s April 2026 clarification preserves the existing scope of national trust-bank authority. For any charter applicant, the real questions remain permissible activities, sustainable capital, management, controls and the permissions needed beyond the charter.
Published: Sep 27, 2026The July 2026 housing law spans supply, mortgage access and bank funding. Its credit effects depend on section-level implementation, local constraints and available funding. Enactment alone does not make every program operational or every project financeable.
Published: Sep 27, 2026The policy moved from H.R. 3234 into the enacted ROAD to Housing Act, with a different upper liability tier. The resulting reciprocal-deposit capacity can matter for funding, but nonbrokered treatment does not make deposits permanent or increase the basic insurance limit.
Published: Sep 27, 2026GENIUS is enacted law, with important implementation proposals still developing. The credit questions are reserve quality, redemption capacity, deposit migration and whether payment economics survive lower interest rates.
Published: Sep 27, 2026The Senate failed to advance H.R. 3633 on September 15, 2026. The latest sponsor draft remains a proposal: examine token classification, intermediary oversight and deposit competition without treating the bill as operating authority.
Published: Sep 27, 2026The March 2026 package is three proposals, not a final capital reset. Aggregate estimates combine different components; the lending impact depends on each bank’s exposures, stress requirements, leverage constraint and management buffer.
Published: Sep 27, 2026SouthPoint’s August 2026 written agreement shows how parent-company capital, cash flow and distributions interact with a bank subsidiary’s remediation. The analysis separates holding-company obligations from the bank’s own FDIC order.
Published: Sep 27, 2026The September 25 closure, the Utah acquirer’s role, and the distinction between deposit continuity, asset recovery and creditor outcomes.
Published: Sep 27, 2026A bank-and-parent profile centered on credit losses, retailer sharing and deposit funding, using second-quarter 2026 disclosures.
Published: Sep 26, 2026Separate the card-credit engine, deposit funding and payments-network opportunity when reading the combined company.
Published: Sep 26, 2026A historical control map for fintech onboarding, BSA/AML, capital, liquidity and board accountability.
Published: Sep 26, 2026How collections flow through a securitization, how credit enhancement works and why triggers can trap cash.
Published: Sep 26, 2026A Utah industrial bank viewed through partner strategy, funding, credit risk and program accountability.
Published: Sep 26, 2026Housing, mortgage and bank-funding provisions; includes Keeping Deposits Local in section 902.
Source date: Jul 11, 2026Legislative history: its upper tier differs from enacted Public Law 119-101 section 902.
Source date: May 21, 2026Official release linking the March capital package, including standardized and G-SIB proposals.
Source date: Mar 19, 2026Directs consideration of mortgage, capital, liquidity and process reforms.
Source date: Mar 13, 2026Clarifies trust-company and related activities under Part 5.
Source date: Feb 27, 2026Amends Part 328 requirements for digital deposit-taking channels, ATMs and related signs. Effective March 2, 2026, with an April 1, 2027 compliance date for these amendments; distinguish this timetable from other Part 328 obligations.
Source date: Jan 29, 2026Responsibility, records and risks in bank-fintech deposit programs.
Source date: Jul 25, 2024Deposit-account disclosures, interest calculations and advertising.
Section 29 authority. The linked code edition may precede Public Law 119-101; use section 902 of that law for the enacted reciprocal-deposit formula.
Regulatory capital and risk-weighted asset requirements.
Capital adequacy requirements for covered Federal Reserve-regulated organizations.
Capital requirements for covered FDIC-supervised institutions.
Ownership categories, aggregation and deposit-insurance coverage rules.
Official signs, advertising and representations about deposit insurance.
Regulation RR requirements for asset-backed securitizations.
Coverage basics and ownership-category rules; complements the regulatory text.
Deposit definitions, reserve-account requirements and interest on reserve balances. Useful for distinguishing deposit classification from the rates a bank pays customers; consult current amendments before applying a numerical threshold.
Liquidity coverage ratio and net stable funding ratio provisions for covered institutions. Provides the regulatory treatment of liquid assets, outflows and funding stability; applicability and tailoring matter.
Recordkeeping and information-system capabilities that enable timely insurance determinations at covered institutions. Relevant to depositor records, account ownership and resolution readiness; the rule does not apply to every insured bank.
Includes brokered-deposit acceptance restrictions, waivers and related funding provisions. Read the regulatory text alongside statutory amendments and the institution’s capital category.
Rules addressing FDIC resolutions and receiverships, including claims and selected contractual and securitization issues. Useful for separating the failed bank, the receivership and an acquiring institution.
Official regulation, coverage guidance, exemptions, incident reporting and compliance resources for DFS-covered entities. State licensing and the applicable exemption determine coverage; a federal bank charter alone is not the test.
Ownership evidence, fiduciary disclosure and records supporting beneficial interests, including multilevel custodial relationships.
Aggregation by depositor, ownership right and capacity, and insured institution; distinguishes separate banks from branches of one bank.
General and alternative recordkeeping requirements supporting deposit-insurance determinations at institutions within Part 370’s scope.