ABA Banking Journal
October 17, 2025

This ABA Banking Journal newsletter is a free, twice-monthly supplement to the ABA Banking Journal magazine intended to help you stay on top of industry and policy news. You can also stay abreast of banking news by visiting aba.com/BankingJournal, home to ABA Daily Newsbytes stories, digital exclusives, the ABA Banking Journal Podcast and more.

Moody's Analytics, Inc.®
How Banks Can Transform Small Business Lending for Growth
Small business lending is evolving with digitization, automation, and AI, enabling banks to offer faster, more personalized service. By streamlining processes and focusing on relationship growth, banks can turn lending into a profitable engine for community impact and long-term customer loyalty.
Read More
Advertisement
Industry News
An ABA Banking Journal special report on how bankers are rethinking innovation with new tools to accelerate change.
 
The future of banking will be defined not by whether banks use AI, but by how wisely they do so.
 
After more than a decade of advocacy on the CBLR, regulatory choices have limited its effectiveness — but that can change.
 
Data Center, Inc. (DCI)
IntraFi LLC
On the latest episode of the ABA Banking Journal Podcast executives from Synchrony discuss the company's business-to-business-to-consumer card-issuing business model. 
 
How MDIs power the American dream amid an affordability crisis.
 
Considering the concept of money neutrality: that money supply should equal money demand not only in the aggregate but across sectors.
 
Jack Henry & Associates, Inc.®
Segment Smarter: Tap Into the Power of Consumer Insights
How do people really feel about money, banking, and financial services? The Jack Henry™ Financial Sentiment Study uncovers eye-opening insights into trust, technology, spending, and saving – revealing the key factors shaping consumer behaviors today. Gain the clarity you need to move forward with confidence, deliver more personalized experiences, and drive meaningful growth by identifying key consumer groups within your existing data.
Turn Insights Into Impact
Advertisement
Policy News
“Change is in the air” with respect to federal banking regulation, and that change has been overwhelmingly positive, American Bankers Association President and CEO Rob Nichols told attendees today at the recent Financial Crimes Enforcement Conference.
 
Community bankers gathered at the Federal Reserve ths month to talk about the challenges facing their sector, with some proposing it is time to take another look at the community bank leverage ratio.
 
The Federal Reserve has released an FAQ and two templates that mutual banks can use as they consider engaging in raising capital, Fed Vice Chair for Supervision Michelle Bowman announced. 
 
mysherpas
DDJ Myers
The Federal Communications Commission has released a draft notice of proposed rulemaking that, if issued and then finalized, would adopt several American Bankers Association requests to modernize the FCC’s Telephone Consumer Protection Act rules and combat illegal call spoofing.
 
Treasury Secretary Scott Bessent has shared several steps the Trump administration plans to take to drive a “community bank comeback,” including a renewed push for regulatory tailoring, a review of core platform providers, friendlier capital requirements, and revised requirements for bank anti-money laundering/countering the financing of terrorism programs.
 
The FDIC will allow private equity firms and other nonbanks to bid on failed banks to soften the blow to the Deposit Insurance Fund after an institution’s closure, Acting FDIC Chairman Travis Hill said. The agency is drafting a proposal to revise its large bank resolution planning rule.
 
West Publishing Corporation®
Are your confirmation responses streamlined?
 
Emailed, faxed, and mailed confirmation responses are expensive, time-consuming, and can put your clients' data at risk. There's a better way! Confirmation standardizes audit confirmation requests so you can respond in minutes, not hours.


Get started today >
Advertisement
Training
 

 

Advertise

We would appreciate your comments or suggestions.
Your email will be kept private and confidential.