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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.
Banks are the primary drivers of economic growth in the economy. Tackling affordability starts with the cost of credit — and future capital rules can help.
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Banks’ data maturity continues to accelerate, but marketers still face structural barriers in accessing and activating it.
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There is a broadly held view that if payment stablecoins are backed one-to-one with safe, liquid assets, users will be able to redeem the stablecoins at par, even during market stress.
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Major tech platforms make billions of dollars from scammers who advertise on their sites, according to reporting from Reuters, and there’s not much incentive for them to change their practices. ABA strongly supports the recently introduced SCAM Act, which would take steps to tackle these scams. Learn more about it on this crossover episode of the ABA Banking Journal Podcast and ABA Fraudcast.
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Loans to non-depository financial institutions, or NDFIs, capture banks’ credit exposure to financial intermediaries that do not take deposits. These entities play a central role in credit intermediation outside the traditional banking system.
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The essential ingredients are organized customer data and harnessing that data to produce smarter marketing programs.
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Kicking off the ABA Conference for Community Bankers in Orlando, ABA President and CEO Rob Nichols highlighted the progress made on community bank-focused policy in 2025, including the extension of key tax provisions, the passage of a modified version of the ACRE Act and the Trump administration’s “push to right-size the regulatory rulebook.”
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ABA expressed support for a Department of Housing and Urban Development proposal to rescind the use of disparate impact in determining Fair Housing Act violations, saying the rule in question did not provide clarity “and has been the subject of an unhelpful back-and-forth between administrations.”
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Community banks shouldn’t ignore stablecoins, which will create new business opportunities for the institutions but also pose a serious risk to their deposit base without proper regulation, three bankers said during a panel discussion on the digital asset at the ABA Conference for Community Bankers in Orlando.
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The Office of the Comptroller of the Currency is proposing several revisions to its supervisory appeals process, including the creation of a new board to review appeals.
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Two lawmakers have introduced legislation to prevent states from imposing interest rate caps on loans from out-of-state chartered banks and credit unions.
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ABA has joined the Business Software Alliance and seven associations in urging Commerce Department officials to retain the core structure of a risk management framework for artificial intelligence as the Trump administration seeks to spur AI adoption in the U.S.
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