Author | Lightnews

Bankeration @bankeration.bsky.social · 7h

Rates fall, QT nears its end, the shutdown bites, skinny Fed master accounts get a fat response, TradFi and crypto draw closer, and deals abound – all in a five minute read. open.substack.com/pub/bankerat... #banking #bankingnews #financenew

Banking News Roundup – 2025: Week 44

Rates fall, QT nears its end, the shutdown bites, skinny Fed master accounts get a fat response, TradFi and crypto draw closer, and deals abound – all in five minutes.

open.substack.com

Bankeration @bankeration.bsky.social · 12d

Bank dealmaking is heating up — and we may have new players in assisted transactions.

The FDIC plans to let PE and other nonbanks bid for failed institutions, a major shift that could reshape how future crises are resolved.

bankeration.substack.com/i/176604169/... #banking #PrivateEquity

Banking News Roundup – 2025: Week 42

The age of Erebor is arriving, regional bank stocks get battered, earnings turn up roses, PE gets to bid on failed banks, deposit insurance reform gets pushback.

bankeration.substack.com

Bankeration @bankeration.bsky.social · 14d

This week: The age of Erebor is arriving, regional bank stocks get battered, earnings turn up roses, PE gets to bid on failed banks, deposit insurance reform gets pushback – all in a 5 minute read. open.substack.com/pub/bankerat...
#banking #bankingnews #FinanceNews #stablecoins

Banking News Roundup – 2025: Week 42

The age of Erebor is arriving, regional bank stocks get battered, earnings turn up roses, PE gets to bid on failed banks, deposit insurance reform gets pushback.

open.substack.com

Bankeration @bankeration.bsky.social · 17d

Crypto still isn’t a community bank thing.
According to the 2025 @CSBSNews survey, 68% say client crypto needs don’t matter—and 92% have no plans to offer crypto services anytime soon. www.csbs.org/survey

Annual Survey of Community Banks

The CSBS Annual Survey of Community Banks is a look at community banker sentiment about the economy, compliance costs, inflation, technology and more.

www.csbs.org

Bankeration @bankeration.bsky.social · 17d

The IMF is warning that the $250B+ synthetic risk transfer market is growing faster than regulators can see it. Blind pools, circular funding, and thin disclosures are making risk harder to track just as Europe moves to expand the market. www.bloomberg.com/news/article...

Market for Synthetic Risk Transfers Is Riddled With Gaps in Disclosure, IMF Officials Say

Regulators need to step up the oversight of banks’ use of synthetic risk transfers which may make the financial system more fragile, according to a paper released by a group of International Monetary ...

www.bloomberg.com

Bankeration @bankeration.bsky.social · 19d

This week’s newsletter covers deregulation, a new FDIC insurance proposal, CDFI headwinds, $1T in potential deposit flight, and fresh Fed research on jobs — all in five minutes.
📨 Read it here: open.substack.com/pub/bankerat...

Banking News Roundup – 2025: Week 41

Deregulation picks up speed, deposit insurance reform gets a reboot, bad news for CDFIs, analysts warn of $1 trillion in deposit flight, and research says it pays to point the finger at a fraudster.

open.substack.com

Bankeration @bankeration.bsky.social · 20d

A penny shortage is causing chaos for banks and retailers as the Fed halts distribution at 41 coin terminals. With production already stopped, lenders and merchants are scrambling for change — literally. www.americanbanker.com/news/penny-s...

Penny shortage causes 'chaos' for banks and retailers

Supplies of the one-cent coin have fallen faster than expected, causing headaches for cash businesses and the lenders that provide them with change.

www.americanbanker.com

Bankeration @bankeration.bsky.social · 21d

Deregulation’s on the move, deposit insurance reform gets a reboot, CDFIs get bad news, analysts forecast $1 trillion in deposit flight, and @notredame.bsky.social Professor Vamsi Kanuri says it pays point the finger at a fraudster. open.substack.com/pub/bankerat... #banking #Regulation

Bankeration @bankeration.bsky.social · 22d

Maspeth Federal’s new tech center sits in a retail storefront. Why? Visibility builds trust. Personally, I'm a fan of incumbents who lean into their strengths as they navigate an evolving industry. Read Bankeration’s Practical: bankeration.substack.com/p/maspeth-fe...
#banking #CX #strategy

Maspeth Federal's Bold Move: Staying Relevant by Making Technology Visible

A case study in playing to your strengths in a changing world.

bankeration.substack.com

Bankeration @bankeration.bsky.social · 25d

Cloudflare launched ‘Net Dollar,’ a tokenized payment model for the AI-driven internet. Your online security vendor may now be competing with you for deposits. Might be time to update those third-party vendor risk questionnaires!
www.cloudflare.com/press/press-... #Banking #Stablecoins

Cloudflare Introduces NET Dollar to Support a New Business Model for the AI-Driven Internet | Cloudflare

Cloudflare, Inc. (NYSE: NET), the leading connectivity cloud company, today announced plans to introduce NET Dollar, a new U.S. dollar-backed stablecoin that will enable instant, secure transactions f...

www.cloudflare.com

Bankeration @bankeration.bsky.social · 26d

From rate swings to reserve drains, Week 40 was full of signals.
Catch the concise breakdown:
📉 Treasury rates down
🏦 Reserves sub-$3T
⚡ Cyber law push
Read Bankeration’s Week 40 Roundup → open.substack.com/pub/bankerat...
#banking #financenews

Banking News Roundup – 2025: Week 40

The U.S. government shuts down, Treasury rates drop, mortgage rates rise, bank reserves go sub- $3 trillion, Hill is in, Harris is out, and the industry pushes for cybersecurity legislation.

open.substack.com

Bankeration @bankeration.bsky.social · 27d

FDIC is preparing to join the Trump admin’s ‘debanking’ crackdown, per Bloomberg. Expect more reporting demands for large banks and possibly new rules. #banking #regulation #debanking
www.bloomberg.com/news/article...

FDIC Set to Jump Into Trump’s Debanking Fight With New Plan

US regulators are set to unveil a plan next week targeting how officials scrutinize banks’ risk, after President Donald Trump moved to rein in what he sees as the closing of customer accounts for poli...

www.bloomberg.com

Bankeration @bankeration.bsky.social · 28d

The U.S. government shuts down, Treasury rates drop, mortgage rates rise, bank reserves go sub- $3 trillion, Hill is in, Harris is out, and a push for cybersecurity legislation. open.substack.com/pub/bankerat... #banking #financenews #bankinginsights #Regulation #CyberSecurity #Regulation

Banking News Roundup – 2025: Week 40

The U.S. government shuts down, Treasury rates drop, mortgage rates rise, bank reserves go sub- $3 trillion, Hill is in, Harris is out, and the industry pushes for cybersecurity legislation.

open.substack.com

Bankeration @bankeration.bsky.social · Oct 3

@wsj.com reports that U.S. regulators are combing through years of account closure data, searching for “de-banking” incidents.

The political heat is real. The supervisory approach is still being defined. Banks may in for a challenge. #debanking www.wsj.com/finance/regu...

Exclusive | Banks Ordered to Dig Through Account Closures to Find ‘Debanking’ Cases

Regulators demand information going back years as part of President Trump’s crackdown on alleged political or religious discrimination.

www.wsj.com

Bankeration @bankeration.bsky.social · Oct 2

De-banking isn’t just a political headline—it’s an org chart problem. In my latest Practical, I explain why governance structures matter as much as ideology, and how legal’s shrinking role inside banks leaves blind spots.
Read: De-banking and the Org Chart open.substack.com/pub/bankerat...

De-banking and the Org Chart

Senator Bernie Moreno called banks cowards for letting regulators push them around. Davis Polk's Meg Tahyar warned us years ago that we were setting the stage for exactly this outcome.

open.substack.com

Bankeration @bankeration.bsky.social · Oct 1

DAOs are leaving Discord and moving into Wyoming corporate law.
In my latest Closer Look, I unpack why Uniswap chose the Cowboy State—and what it says about the evolution of decentralized governance.
Read: Making Sense of DAOs open.substack.com/pub/bankerat...

Making Sense of DAOs: Why Uniswap Is Going to Wyoming

The largest Decentralized Autonomous Organization (DAO) heads to the Cowboy State. Others may follow.

open.substack.com

Bankeration @bankeration.bsky.social · Sep 30

Check out my post about the World Economic Forum’s 2024 report on finfluencers for a little more color: open.substack.com/pub/bankerat...

Finfluencer Future

The rise of finfluencers and what the banking industry is (not) doing about it.

open.substack.com

Bankeration @bankeration.bsky.social · Sep 30

Kraken’s new survey shows 80% of U.S. crypto users would pay higher fees for an exchange they trust. Only 16% put cost first. Imagine if clients valued banks the same way—we’d all like those results. A partial answer: better positioning and storytelling.
decrypt.co/341343/crypt...

Crypto Users Care More About Trust than Lower Fees: Kraken Survey - Decrypt

A recent survey conducted by crypto exchange Kraken found that Americans are placing a premium on trust, as opposed to lower trading fees.

decrypt.co

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Bankeration @bankeration.bsky.social · Sep 29

Cook goes to SCOTUS, CDFIs get hope, Banks get #debanking inquiries, CRE gets lower rates, the SBA gets flack for its new citizenship requirements, and a lot of #mergers get announced – in a 5 minute read. open.substack.com/pub/bankerat...
#banking #bankingnews #financenews #stablecoins #mergers

Banking News Roundup – 2025: Week 38

This week: Cook goes to SCOTUS, CDFIs get hope, Banks get debanking inquiries, CRE gets lower rates, the SBA gets flack for its new citizenship requirements, and a lot of bank mergers get announced.

open.substack.com

Bankeration @bankeration.bsky.social · Sep 15

Anti-debanking efforts ramp up, more layoffs are planned for the CFPB, markets anticipate rate cuts, FedNow ups its limit, Tether plans a U.S. launch, and PNC and UBS make moves. tinyurl.com/bddbnd6m

#banking #bankingnews #financenews #debanking #cryptocurrency #stablecoins

Banking News Roundup – 2025: Week 37

Anti-debanking efforts ramp up, the CFPB braces for more layoffs, markets anticipate Fed cuts, FedNow raises its limit, Tether plans a U.S. launch, PNC and UBS make moves — all in a five minute read.

tinyurl.com

Bankeration @bankeration.bsky.social · Sep 12

It was a pleasure chatting with @treasurywhisperer.bsky.social! tinyurl.com/mw7bwscs. We talk about our days at Pepsi, the glory days of Signature Bank, the origins of Signet, the future of #stablecoins, and bank M&A. You can find the podcast on Apple, Spotify, Amazon, Audible, and other platforms.

Episode 6 - PepsiCo Treasury Intern to Banking Strategist with Alyson Stone, Founder and CEO of Attion Consulting

Podcast Episode · The Treasury Whisperer’s Talkcast Podcast · 09/10/2025 · 34m

tinyurl.com

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Bankeration @bankeration.bsky.social · Sep 8

This week: the CFPB deregulates, weak jobs data drives Fed cut bets, reciprocal deposit networks compete, and the U.S. adopts crypto — all in a five-minute read. open.substack.com/pub/bankerat... #banking #bankingnews #financenews #bankinginsights

Banking News Roundup – 2025: Week 36

This week: the CFPB deregulates, weak jobs data drives Fed cut bets, reciprocal deposit networks compete, and the U.S. adopts crypto — all in a five-minute read.

open.substack.com

Bankeration @bankeration.bsky.social · Aug 31

Earnings land, capital cushions ease, rates dip, Trump ousts Cook, FHLB boards shrink, debanking crackdown sharpens, and Google debuts a Layer-1 — all in a five-minute read. open.substack.com/pub/bankerat...
#banking #bankingnews #bankinginsights #financenews #crypto #blockchain #debanking

Banking News Roundup – 2025: Week 35

Earnings land, capital cushions ease, rates dip, Trump ousts Cook, FHLB boards shrink, debanking crackdown sharpens, and Google debuts a Layer-1 — all in a five-minute read.

open.substack.com

Bankeration @bankeration.bsky.social · Aug 25

Powell signals a shift, Bowman bolsters innovation, CDFIs get stiffed, Open Banking rulemaking is back, Wyoming gets stable, Circle makes an Arc, Illinois gets crypto laws—all in a 5 minute read. open.substack.com/pub/bankerat... #banking #stablecoins #crypto #openbanking #blockchain

Banking News Roundup – 2025: Week 34

Powell signals a shift, Bowman bolsters innovation, CDFIs get stiffed, Open Banking rulemaking is back, Wyoming gets stable, Circle makes an Arc, Illinois gets crypto laws — all in a five-minute read.

open.substack.com

Bankeration @bankeration.bsky.social · Aug 20

Uniswap, one of the biggest players in #DeFi, is considering Wyoming as its legal home. If you’re not deep in the crypto weeds, don’t worry — we break down what a DAO is, and why this could be a turning point for decentralized finance. open.substack.com/pub/bankerat... #crypto #Explainer

Making Sense of DAOs: Why Uniswap Is Going to Wyoming

The largest Decentralized Autonomous Organization (DAO) heads to the Cowboy State. Others may follow.

open.substack.com