GovWhitePapers Logo

Sorry, your browser is not compatible with this application. Please use the latest version of Google Chrome, Mozilla Firefox, Microsoft Edge or Safari.

Banking content

Executive Order 14331: Guaranteeing Fair Banking for All Americans

Executive Order 14331: Guaranteeing Fair Banking...

This executive order takes aim at “politicized or unlawful debanking,” where financial institutions restrict services based on political or religious beliefs, or lawful business activities they disfavor. It directs federal…

Learn More
Sixth Report Pursuant to Section 202(E) of the Dodd-Frank Wall Street Reform and Consumer Protection Act

Sixth Report Pursuant to Section 202(E) of the...

Fifteen years after the financial crisis, the 2025 Dodd-Frank report reflects on progress made in building a safer financial system—and where risks still remain. It highlights the importance of capital,…

Learn More
Semiannual Risk Perspective

Semiannual Risk Perspective

The Spring 2025 Semiannual Risk Perspective from the OCC highlights how rising interest rates, commercial real estate exposure, and cybersecurity threats are reshaping risk for national banks and federal savings…

Learn More
Cybersecurity and Financial System Resilience Report

Cybersecurity and Financial System Resilience...

The 2025 Cybersecurity Report outlines the growing complexity of cyber threats facing the U.S. financial system, highlighting vulnerabilities linked to third-party service providers and outdated legacy systems. It emphasizes the…

Learn More
International Narcotics Control Strategy Report

International Narcotics Control Strategy Report

The 2025 International Narcotics Control Strategy Report highlights both progress and growing global challenges in combating illicit drug trafficking. While U.S. overdose deaths declined for the first time in years,…

Learn More
Bankwise: Your Rights Simplified

Bankwise: Your Rights Simplified

Electronic Fund Transfer Act (Regulation E) The Electronic Fund Transfer Act (EFTA), enforced through Regulation E, provides key protections for consumers engaging in electronic fund transfers (EFTs) such as debit…

Learn More
Quarterly Report on Bank Trading and Derivatives Activities: 4th Quarter

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…

Learn More
Executive Order 14215: Ensuring Accountability for All Agencies

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…

Learn More
Toward Globalization 2.0: A New Trade Policy Framework for Advanced-Industry Leadership and National Power

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…

Learn More
Bank Capital Reforms: U.S. Agencies’ Participation in the Development of the International Basel Committee Standards

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…

Learn More
Small Business Credit: How Entrepreneurs Finance the American Dream

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,…

Learn More
A Look at the U.S. International Investment Position

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…

Learn More
Retirement Income: 2022 Survey of Income and Program Participation Snapshots

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…

Learn More
Repossession in Auto Finance

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…

Learn More
Flood Risk and the U.S. Mortgage Market

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…

Learn More