Podcast: ‘Banking Is Not a Commodity. It’s a Necessity’

Lawmakers in the Senate and House have introduced bipartisan legislation to eliminate a regulatory hurdle for Federal Home Loan Bank member institutions when seeking to fund community development projects.

Two lawmakers have introduced legislation to prevent states from imposing interest rate caps on loans from out-of-state chartered banks and credit unions.

These entities play a central role in credit intermediation outside the traditional banking system.

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 — yet.

Banks expect lending standards generally to remain unchanged and demand to strengthen across all loan categories in 2026. Banks also reported being less likely to approve loans to firms adversely affected by high AI exposure.

The Fed's October 2025 Senior Loan Officer Opinion Survey highlights that banks saw demand rebound after the collapse in Q2, but smaller banks are still more defensive than large banks.