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Will Trump 2.0 Bring a ‘Back to Basics’ Approach to Regulatory Enforcement?
Donald Trump’s policy agenda began to take shape early in 2025, but for the banking industry, at least one big question is still up in the air. What can banks expect in terms of regulatory enforcement actions under Trump 2.0? If past examples are any indicator, the actual number of enforcement actions may not meaningfully decline. The Consumer Financial Protection Bureau, for example, filed a total of 95 enforcement actions between 2021 and 2024, under President Joe Biden. It filed 117 total enforcement actions between 2017 and 2020, during Trump’s first term. Likewise, the Office of the Comptroller of the…
Embracing Boring
There’s an old adage that banking should be boring. And indeed, the latest bank data lives up to that promise. The Federal Deposit Insurance Corp.’s fourth quarter summary of the industry’s financial metrics showed slight improvements in a number of key areas for banks. Also, there weren’t any wild swings that could indicate unexpected problems brewing. “Boring is good for the industry,” says Jeff Davis, managing director of the financial institutions group at Mercer Capital, a consulting firm. “The numbers aren’t supposed to change dramatically. If they do, then usually something big has happened.” In the fourth quarter, the net…
The Truth of the Matter
A new working paper from the Federal Reserve Bank of Chicago is looking to more fully understand what role, if any, social media and retail banking apps played in the extraordinary collapse of three regional banks in the spring of 2023. The paper called the speed of the runs on Silicon Valley Bank, Signature Bank and First Republic Bank before they collapsed “extraordinary and historically unprecedented.” In the immediate aftermath of these failures, there was much discussion about how customers on social media could have played a role, while they vented their concerns and urged others to withdraw their money.…
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WRITTEN BY
Laura Alix
Director of Research
Laura Alix is the Director of Research at Bank Director, where she collaborates on strategic research for bank directors and senior executives, including Bank Director’s annual surveys. She also writes for BankDirector.com and edits online video content. Laura is particularly interested in workforce management and retention strategies, environmental, social and governance issues, and fraud. She has previously covered national and regional banks for American Banker and community banks and credit unions for Banker & Tradesman. Based in Boston, she has a bachelor’s degree from the University of Connecticut and a master’s degree from CUNY Brooklyn College.
WRITTEN BY
Jackie Stewart
Executive Editor
Jackie Stewart is the Executive Editor of Bank Director. She is responsible for writing and editing features for the company’s weekly newsletter and quarterly print magazine and oversees sponsored research reports. Jackie is particularly interested in community banking and M&A activity. She previously served in a number of reporter and editor roles with American Banker, including executive editor of American Banker Magazine. She has also covered retirement issues for Kiplinger and spent two years teaching middle school literacy in the Bronx, New York, through Teach For America.