Deep Dive by Bank Tech Intel

We break down a month that reshaped financial regulation from several angles. First, we track three interagency capital proposals that could lower binding requirements for many banks. That shift matters because it changes how firms plan lending, liquidity, and balance sheet strategy. Throughout the episode, we return to capital reform as the thread that ties the month together. We start with the m...

The episode explains that AI isn’t new to banking at all. Community banks have used versions of it for decades in credit scoring, fraud detection, and payment systems. What changed in 2022 was visibility. Generative AI made these tools obvious, conversational, and harder for bank leaders to ignore. A major theme is that community banks don’t usually build their own AI. They depend on large vendors...

In this episode we break down the major financial regulatory developments from late February through early March 2026. The period featured one of the most significant enforcement resolutions in modern U.S. banking supervision, continued regulatory recalibration across agencies, and ongoing efforts to integrate digital assets and modern payment infrastructure into the financial system. We begin wit...

In this episode we break down the key financial regulatory developments from February 2026. The month was defined by major progress toward a federal framework for stablecoins, continued reform of bank supervision standards, and a transition period in stress testing policy. We begin with one of the most consequential proposals from the Federal Reserve. The central bank issued a proposed rule that w...

In this episode we break down the major financial regulatory developments that opened 2026. The month brought continued supervisory reform across banking agencies, new steps toward integrating digital asset infrastructure into the financial system, and expanded sanctions enforcement targeting geopolitical networks. We begin with a structural change at the Federal Deposit Insurance Corporation. Reg...

In this episode we wrap up the major financial regulatory developments that closed out 2025. December brought continued regulatory recalibration across banking agencies, new frameworks for digital asset activity, and ongoing efforts to modernize supervision while reducing regulatory burden. We begin with several important actions from the Federal Deposit Insurance Corporation. Regulators finalized...

In this episode we break down the major financial regulatory developments from November 2025. The month marked a major shift in bank capital regulation, a sweeping change in the Federal Reserve’s supervisory philosophy, and an unprecedented institutional crisis for the Consumer Financial Protection Bureau. We begin with one of the most significant regulatory changes of the year. Federal banking re...

In this episode we unpack the biggest financial regulatory developments from October 2025. The month delivered one of the most significant shifts in banking supervision in years, major changes to the Federal Reserve’s stress testing program, and a court decision that halted the implementation of the consumer data sharing rule. We begin with a major proposed rule from federal banking regulators tha...

In this episode we break down the major financial regulatory and policy developments from September 2025. The month marked an important turning point in monetary policy, along with continued changes to bank supervision and strong financial performance across the U.S. banking sector. We begin with the Federal Reserve’s decision to reduce the federal funds rate by 25 basis points, bringing the targe...

In this episode we break down the major financial regulatory developments from August 2025. The month was defined by a major executive order targeting debanking practices, continued shifts in bank supervision philosophy, and fresh disclosures tied to the resolution planning framework for large financial institutions. We begin with one of the most significant policy announcements of the month. A ne...

In this episode we break down the major regulatory developments that shaped the financial sector in July 2025. The month featured a continued push toward regulatory simplification, new guidance for banks involved in digital asset custody, and a significant shift in U.S. sanctions policy. We begin with one of the most consequential proposals of the month. Federal banking regulators announced plans...

In this episode we break down the key financial regulatory developments that shaped June 2025 across federal banking agencies, consumer protection regulators, market supervisors, and cybersecurity authorities. The month was defined by rising concern over payment fraud, renewed debate over bank capital rules, and fresh insight into the resilience of the largest U.S. banks. We begin with a major int...

In this episode we break down the major financial regulatory developments that shaped May 2025 across federal banking agencies, market regulators, and financial intelligence authorities. The month combined strong banking sector performance with policy adjustments aimed at streamlining regulation, improving supervisory transparency, and continuing enforcement across the financial system. We begin w...

In this episode we break down the major regulatory moves that shaped the financial sector in April 2025. It was a month of meaningful course corrections across banking policy, digital asset supervision, and capital regulation, alongside continued enforcement activity across the financial system. We begin with a major shift affecting community lending oversight. Federal banking regulators signaled...

In this episode we unpack the biggest regulatory and compliance developments shaping the financial sector in March 2025.The month is marked a noticeable recalibration in banking regulation, evolving policy around digital assets, and continued enforcement across consumer finance, securities markets, and financial crime oversight. We begin with major policy changes from federal banking regulators. O...

In this episode we break down the major financial regulatory and policy developments that shaped February 2025 across banking regulators, consumer protection agencies, securities regulators, and federal cybersecurity authorities. The discussion highlights a month defined by growing transparency around crypto supervision, leadership changes that could reshape policy direction, and continued enforce...

In this episode we review the major regulatory and enforcement developments that shaped January 2025 across federal banking regulators, consumer protection authorities, financial intelligence agencies, and executive branch policy initiatives. The discussion highlights a month marked by enforcement actions in credit reporting, supervisory policy changes at banking regulators, and broader shifts in...

In this episode we examine the major regulatory, supervisory, and enforcement developments that shaped December 2024 across federal banking regulators, monetary authorities, and consumer financial protection agencies. The discussion highlights a month marked by monetary policy changes, major consumer finance rulemaking, enforcement actions across the banking system, and updated risk assessments fr...

In this episode we examine the major regulatory and supervisory developments that shaped November 2024 across federal banking regulators and consumer financial protection authorities. The discussion highlights a month marked by monetary policy changes, new oversight of digital payment platforms, enforcement actions across the banking system, and continued updates to supervision and regulatory poli...

In this episode we review the major regulatory and supervisory developments that shaped October 2024 across U.S. banking regulators, consumer protection authorities, and financial supervisors. The discussion highlights a month marked by enforcement activity, supervisory guidance updates, disaster response measures for financial institutions, and a major new rule establishing consumer data rights i...

In this episode we examine the major financial regulatory and supervisory developments that defined September 2024 across banking regulators, consumer protection authorities, market supervisors, financial intelligence agencies, and cybersecurity bodies. The discussion highlights a month marked by significant banking policy updates, new enforcement actions, monetary policy shifts, and continued reg...

In this episode we break down the key financial regulatory and enforcement developments that shaped August 2024 across banking regulators, consumer protection agencies, securities regulators, and financial crime authorities. The discussion highlights a month defined by enforcement actions, capital requirement updates, new regulatory proposals, and continued scrutiny of consumer financial products....

In this episode we review the major financial regulatory and supervisory developments that shaped July 2024 across banking regulators, consumer finance authorities, sanctions officials, and market supervisors. The discussion highlights a month marked by coordinated interagency actions addressing bank partnerships with fintech firms, modernization of anti money laundering programs, mortgage valuati...

In this episode we examine the major financial regulatory, supervisory, and enforcement developments that defined June 2024 across U.S. banking regulators, consumer protection agencies, market authorities, sanctions officials, and cybersecurity bodies. We begin with prudential supervision and banking system oversight. The discussion covers new resolution planning requirements for large insured dep...

In this episode we examine the major regulatory, supervisory, and enforcement developments that shaped May 2024 across banking regulators, consumer protection agencies, sanctions authorities, and market regulators. The discussion highlights how monetary policy, supervisory guidance, financial crime controls, and consumer protection enforcement evolved across the financial system during the month....