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The (de)regulatory agenda in US banking – 2025 and beyond

The US Federal Reserve logo
Photo: Andrew Harnik/Getty Images

US banking regulators have altered some aspects of their supervisory stances, eliminating reputational risk as a standalone basis for supervisory criticism, among other moves.

The US Federal Reserve, Office of the Comptroller of the Currency (OCC), and Federal Deposit Insurance Corporation (FDIC) have capped off a year in regulation that showcased an increased focus on a number of areas, including:

  • perceived debanking efforts by member banks;
  • capital requirements;
  • operational streamlining;
  • the regulatory rollback of