News & Analysis as of August 20, 2025

Financial Services Industry

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The Federal Deposit Insurance Corporation is a United States federal agency created in 1933 in response to widespread bank failures in the 1920s and early 1930s. The FDIC's mission is to maintain stability and consumer confidence in the United States banking system by insuring deposits, monitoring the health of financial institutions and managing receiverships. less -

Legislation Introduced in the House Aims to Support New and Rural Banks by Easing Regulatory Requirements

Troutman Pepper Locke on 2/27/2025

On January 16, U.S. Representative Andy Barr (R-KY) introduced H.R. 478, the “Promoting New Bank Formation Act,” which was referred to the Committee on Financial Services. This bill aims to support the establishment and...more

The Regulatory Post-Mortem Reports on Silicon Valley Bank and Signature Bank

A&O Shearman on 5/3/2023

The Federal Reserve released a detailed report on the supervision and regulation of the former Silicon Valley Bank (SVB). The report, released along with a trove of confidential supervisory information pertaining to SVB,...more

Too Small to Fail? What Regional Banks Can Learn from Silicon Valley Bank

Poyner Spruill LLP on 3/16/2023

On Friday, March 10, the Federal Deposit Insurance Corporation (“FDIC”) announced its takeover of Silicon Valley Bank (“SVB”) as SVB’s appointed receiver. SVB, as the primary lender to some of the biggest tech firms, was...more

OCC Seeks Feedback on Principles for Climate-Related Financial Risk Management

Goodwin on 1/7/2022

In this Issue. The Office of the Comptroller of the Currency (OCC) is seeking feedback on principles for climate-related financial risk management for large banks; the Department of Justice’s Antitrust Division is seeking...more

CFPB Withdraws Proposal to Delay Debt Collection Final Rules

Goodwin on 9/17/2021

In This Issue. The Consumer Financial Protection Bureau (CFPB) withdrew its proposal to delay the Debt Collection Final Rules; the Board of Governors of the Federal Reserve System (FRB), the Federal Deposit Insurance...more

Vetting FinTechs as Business Risk Partners: OCC Bulletin

BCLP on 9/8/2021

Innovation is a key to competitive advantage and keeping pace with consumer digital banking preferences. Increasingly, banks are engaging the services of fintech’s who can deliver certain information and services in a more...more

Federal Banking Regulators Release Guide For Community Banks Conducting Due Diligence On Fintech Companies

Morrison & Foerster LLP on 9/7/2021

On August 27, 2021, the Federal Reserve Board, the FDIC and the OCC (the “Agencies”) jointly released a guide titled “Conducting Due Diligence on Financial Technology Companies—A Guide for Community Banks” (the “Guide”),...more

Fed Invites Public Comment on Proposed Changes to Durbin Amendment

Goodwin on 5/14/2021

In this Issue. The Board of Governors of the Federal Reserve System (Federal Reserve) invited public comment on proposed changes to Regulation II, better known as the Durbin Amendment, regarding network availability for...more

Financial Services Weekly News: FDIC Issues Deposit Insurance Application Guidance For Non-Banks

Goodwin on 2/13/2020

In This Issue. The Federal Deposit Insurance Corporation (FDIC) published new procedures for federal deposit insurance applications from applicants that are not traditional community banks; federal banking regulators released...more

Orrick's Financial Industry Week In Review

Orrick, Herrington & Sutcliffe LLP on 1/13/2017

Financial Industry Developments - Prohibition on Dealing or Investing in Industrial or Commercial Metals - On January 3, 2017, the Office of the Comptroller of the Currency (the "OCC") finalized a rule that...more

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