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Read the latest on the banking & finance industries in the U.S. with award-winning analysis and in-depth reporting by American Banker.
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News
Louisiana bank faces unusual limits on who it can lend to
1+ mon, 2+ day ago (780+ words) First Guaranty Bank has been contending with credit-quality problems for some time, and now its regulators have devised an unusual way to address the issue: The Hammond, Louisiana, lender will be restricted from extending additional credit to certain borrowers. The…...
What's a banker to say when charge-offs are microscopic?
3+ mon, 3+ week ago (846+ words) Among the most important jobs bank CEOs have is shaping the investing public's expectations, trying to limit the possibility of a downside surprise. These days, for BOK Financial President and CEO Stacy Kymes, that means preparing the $53.8 billion-asset company's stakeholders…...
Those 'just in case' credit provisions may come in handy
3+ mon, 3+ week ago (416+ words) Credit, therefore, is paramount. Banks have been socking away a bit more lately to cover bad debts, but in general credit conditions at the banks look good, our John Reosti writes this morning. Loan loss provisions have been growing, but…...
What risks do banks, credit unions face from BNPL?
4+ mon, 5+ day ago (1241+ words) American Banker’s 2026 BNPL Tradeoff Survey was fielded online during March of 2026 among 186 banking professionals who occupy a variety of roles across banks, credit unions, neobanks and payments firms. This item is the end of a series diving into new research…...
Much-maligned small-business data rule close to finish line
4+ mon, 2+ week ago (1039+ words) The Consumer Financial Protection Bureau is set to finalize a controversial rule that requires financial institutions to collect data on the sex, race and ethnicity of small-business loan applicants. Under the latest proposal from the Trump administration, banks and lenders…...
Exclusive research: Regulatory woes hamper BNPL adoption
4+ mon, 2+ week ago (1029+ words) American Banker’s 2026 BNPL Tradeoff Survey was fielded online during March of 2026 among 186 banking professionals who occupy a variety of roles across banks, credit unions, neobanks and payments firms. This item is the start of a series diving into new research…...
Credit card issuer Mission Lane applies for bank charter
4+ mon, 3+ week ago (743+ words) Credit card startup Mission Lane has applied for a limited-purpose credit card bank charter with the Office of the Comptroller of the Currency and for deposit insurance with the Federal Deposit Insurance Corporation. In the company's application, Mission Lane identified…...
M&T Bank takes a slow and steady approach to private credit
5+ mon, 3+ week ago (1200+ words) M&T Bank is easing steadily into the private-credit sector, CEO René Jones said, though he acknowledged that the ballooning market hasn't yet been tested by a credit cycle. In an interview with American Banker, Jones said the Northeast regional…...
As charge-backs spike, banks should avoid these 5 missteps
5+ mon, 4+ week ago (687+ words) Card charge-backs are becoming a larger problem, with Datos Insights predicting an increase in global charge-back volume, reaching 359 million transactions in 2029. What's more, the average charge-back amount has increased nearly 16% to $251 between 2023 and 2025. The increase reflects broader shifts in transaction…...
Rate cap debate sidesteps big unknowns in credit card pricing
7+ mon, 1+ week ago (1259+ words) WASHINGTON — President Donald Trump's headline-grabbing ultimatum for a 10% interest rate cap on credit cards failed to materialize by his self-imposed deadline of January 20th. Last week, during a stump speech in Iowa, Trump didn't mention credit cards or rate caps. Meanwhile,…...