Key long-term banking trends “pose deep threats to trust in banking and warrant our collective attention” according to Acting Comptroller Michael J. Hsu. In important remarks delivered at the Exchequer Club in Washington D.C, he also suggested that these trends have been evolving incrementally and “are underappreciated by the public.”
Complexity of bank-nonbank relationships a key trend reshaping banking – OCC

OCC Acting Comptroller Michael J. Hsu also highlighted a growth in large banks and polarization as long-term trends.
