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Banking content
Quarterly Report on Bank Trading and Derivatives...
This report provides a comprehensive overview of U.S. banks’ trading and derivatives activity for the fourth quarter of 2024. It highlights a 10.6% decline in trading revenue from the prior…
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Executive Order 14215: Ensuring Accountability for...
This document outlines updated rules from the Consumer Financial Protection Bureau (CFPB) regarding credit card penalty fees. It aims to ensure fairer practices by capping late fees and increasing transparency…
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Toward Globalization 2.0: A New Trade Policy...
The era of Globalization 1.0, marked by idealistic free trade and fading borders, is giving way to a more grounded strategy that recognizes geopolitical realities and national interests. This new…
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Bank Capital Reforms: U.S. Agencies’ Participation...
U.S. banking regulators played a vital role in shaping the final Basel III capital standards—global rules that aim to make big banks safer and more resilient. The report shows how…
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Small Business Credit: How Entrepreneurs Finance...
Access to credit can make or break a small business, yet navigating the financing landscape is no small feat. The latest Federal Reserve report highlights the diverse lending options available,…
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A Look at the U.S. International Investment...
The U.S. international investment position saw a significant shift in the third quarter of 2024, with liabilities growing faster than assets. The net position dropped by $1.06 trillion, reflecting increased…
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Retirement Income: 2022 Survey of Income and...
Retirement income plays a crucial role in financial stability for older adults, yet only 48% of those aged 65 and over receive it outside of Social Security. Pensions, IRAs, and…
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Repossession in Auto Finance
Auto loan balances reached over $1.64 trillion in 2024, making auto finance one of the largest sources of consumer credit outside of mortgages. Yet, despite its scale, detailed data on…
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Flood Risk and the U.S. Mortgage Market
Flooding is the most expensive natural disaster in the U.S., yet many homeowners remain underinsured against its financial impact. A new report from the Consumer Financial Protection Bureau (CFPB) highlights…
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Strengthening State-Level Consumer Protections:...
The CFPB’s latest report highlights the urgent need for states to modernize consumer protection laws in response to evolving corporate tactics and technological advancements. By strengthening enforcement tools, eliminating legal…
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CFPB’S Analysis of the First Seven Months of the...
The return to student loan repayment after a multi-year pause has revealed significant financial stress among borrowers. While nearly 40% of borrowers resumed making payments by April 2024, many continue…
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Financial Technology: SEC Should Prepare a...
Crypto assets and other financial technologies, which have grown rapidly, offer potential benefits and pose risks. For example, crypto assets had a market value of around $1.2 trillion in October…
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Cybersecurity and Financial System Resilience...
Given continued cyber threats in the financial sector and heightened geopolitical tensions due to Russia’s invasion of Ukraine, the Office of the Comptroller of the Currency (OCC) continues to place…
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Financial Technolgy: Agencies Can Better Support...
Banks and credit unions are increasingly using new technology—known as “fintech”—for services like paying bills with mobile wallets. So it’s crucial that regulators have the necessary skills to make policy…
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What Hitting the Debt Ceiling Might Mean for...
The United States is likely just weeks away from the federal government reaching the maximum debt ceiling. The U.S. Department of the Treasury is not permitted to expend funds beyond…
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