The state of regulation after the bank failures: a special report
Bank groups are urging the CFPB to hold off on enforcement of its small-business data collection rule until after a Supreme Court decision slated for next year that could undermine the constitutionality of the bureau's rules. Photo: Bloomberg News

The state of regulation after the bank failures: a special report

Banks urge CFPB to halt small-business rule pending high court decision : Two bank trade groups have asked the Consumer Financial Protection Bureau to relieve all banks from complying with its small-business lending rule until after the U.S. Supreme Court decides whether the bureau's funding is constitutional.

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Read our special report on the state of bank regulation:

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The dream of sweeping post-bank failure legislation has dimmed : Despite big talk months ago, experts don't see a lot of political appetite to change bank oversight rules — or the deposit insurance system — in the wake of three large regional bank failures that happened earlier this year.

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The CFPB has an ambitious agenda — but so does the Supreme Court : A Texas judge dealt the Consumer Financial Protection Bureau a setback that has changed the bureau's calculus for furthering its near-term agenda. But an ambitious Supreme Court could also call all of the bureau's final rules into question.

Regulatory deterrence, policy debate and litigation: crypto's future : Regulators remain skeptical toward digital assets in the wake of major crypto-industry partner-bank failures, but in the absence of legislative direction, oversight of crypto is largely left to the U.S. Securities and Exchange Commission .?

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Capital reform is coming, but not without a fight : The Federal Reserve Board is leading the push for broader, more standardized risk-capital rules, yet some of its board members, other regulators and industry groups are uncomfortable with the proposal.

Fintechs balk at bill that would limit their new SBA lending authority : Critics complain a bill sponsored by the leaders of the Senate Small Business Committee would reinstate a moratorium on participation in the SBA's flagship 7(a) program by nondepository lenders. Supporters of the bill argue that widening the program could invite more fraud.

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