Most-read AI stories of 2025
Articles about the AI deployments of big banks and of scammers generated clicks from American Banker readers.
Community engagement is a flat circle – one that you can throw
Community banks are always looking for ways to expand local engagement. But for some banks, sponsoring disc golf courses, clubs and events offers a relatively inexpensive way to boost their profile among a very loyal customer base.
FHA records stable capital ratios amid softer performance
The Mortgage Bankers Association is examining the data to see if the high ratio warrants a new push for a premium cut but said rising arrears call for caution.
Top-read fintech charter stories of 2025
Fintechs sought to acquire the rights and privileges of bank charters in various ways this year, from de novo applications to buying up banks.
Euronet to buy merchant acquiring biz in Greece; Lloyds to shutter invoice financing biz
Visa and Mastercard logged increases in holiday spending, an industry group called for increased BNPL regulation in the U.S., and more in this week’s global payments roundup.
De novo national banks face a new road map to OCC approval
Conditional approval of a national bank charter used to be a virtual guarantee that an institution would open its doors. But the OCC’s recent treatment of Erebor Bank suggests that banks with conditional approvals still have work to do.
The top 5 legislative battles waiting for Congress in 2026
When Congress returns from its recess in 2026, a number of financial legislative issues will be teed up, including crypto market structure, deposit insurance and supervisory disputes.
Five trends that shaped the credit union industry in 2025
Credit unions hit new highs in membership, deposits and loans in 2025. But it was also a chaotic year for the industry’s governing body, and the sector faced renewed attacks by banks.
Judge blocks effort to allow CFPB funding to run out
U.S. District Judge Amy Berman Jackson said the administration must request funds from the Federal Reserve, rejecting a Trump DOJ legal theory.
2025 was a big year for earned wage access
The year was marked with six state regulations, new entrants, product and market expansion from existing EWA providers and buy-in from investors.