As we welcome a new year, take a look back at the most popular ABA Banking Journal features of 2019, from compliance and privacy issues to generational change and small town banking. (ABA Banking Journal)

There’s a clear business case for offering Bank On-certified accounts as a way for financial institutions to both serve the unbanked and grow their banks. (ABA Banking Journal)

With the start of the new year, banks and fintech companies that do business in California will need to grapple with the new California Consumer Privacy Act, which took effect January 1. (Bank Innovation)

A lot of people make New Year’s resolutions, but what about resolutions for a country? Here, economic experts share their insights to answer the question: If the U.S. economy was a person, what New Year’s resolution do you wish they would make? (Marketplace)

The impending demise of Libor is not a liability—it’s an opportunity. (ABA Banking Journal)

Weekly earnings for employees of small businesses grew at an annual rate of 4.1% at the end of the year, the fastest pace since the Paychex/IHS Markit Small Business Employment Watch began. The biggest wage gains were in the West and Northeast, while the South is the best region for job growth. (CNBC)

From smart homes to ultrafast wireless speeds, here’s what to watch for in 2020. (New York Times)

With regulations surrounding data ownership, privacy and open banking now in full swing in multiple markets around the globe, opening up account data is now a requirement for many financial institutions. This past year, however, the open banking model flexed its muscles in markets like the U.S., where even without a regulatory mandate, it gained traction and intensified competition. (PYMNTS.com)

House Financial Services Committee Ranking Member Patrick McHenry (R-N.C.) wrote to Federal Reserve Vice Chairman for Supervision Randal Quarles requesting a January briefing on efforts by the Fed and other prudential regulators to prepare banks for the transition away from the London Interbank Offered Rate. (ABA Banking Journal)

Six federal regulatory agencies are commencing a mandated review of the Dodd-Frank Act’s mortgage risk retention rule, which was finalized in 2014. (ABA Banking Journal)

The Securities and Exchange Commission proposed changes to modernize its auditor independence framework last updated in 2003. (ABA Banking Journal)

House Financial Services Committee Chairwoman Maxine Waters (D-Calif.) said she plans to advance a bipartisan bill to impose a strict limit on interest rates when Congress reconvenes in 2020. Waters' committee will take up the Veterans and Consumers Fair Credit Act, which would impose a national cap on interest rates at 36 percent, aimed especially at payday lenders. (The Hill)