The banking industry faces a dynamic regulatory environment shaped by changes in administration, shifts in congressional control, and new agency leadership. While deregulatory efforts and potential rollbacks of previous administrations' rules create opportunities, community banks must remember that changes to banking supervision occur slowly and fundamental compliance obligations remain constant. Deloitte's 2025 Banking Regulatory Outlook […]

The ACH network is implementing sweeping fraud prevention rules that fundamentally transform how financial institutions handle electronic payments. For the first time, receiving banks must move from their traditionally passive role to actively monitoring incoming ACH credits for fraud indicators, while originating banks face new requirements to detect schemes involving "false pretenses"—a term specifically targeting […]

The Consumer Financial Protection Bureau announced a comprehensive reconsideration of its Personal Financial Data Rights rule on August 22, 2025, signaling potential significant changes to how financial institutions handle consumer data access requests under section 1033 of the Dodd-Frank Act. This advance notice of proposed rulemaking addresses four fundamental issues that have generated substantial concern […]

As the CBD industry continues to grow rapidly, payment processors and financial institutions face increasing challenges in maintaining compliance with ever-evolving regulations. To address these challenges, many have turned to extended due diligence (EDD) processes. This article explores the concept of extended due diligence in the context of CBD payments and how it works to […]

As of July 2023, 38 states have legalized marijuana in some capacity. Each year, more states vote to legalize marijuana for both medical and recreational use, and the United States cannabis, CBD, and hemp industry grows exponentially. However, many of these legal businesses have no access to safe and reliable banking due to the risks […]