A working catalogue of U.S. financial services regulation — read from the primary source, with conclusions front-loaded. This is an early preview; your feedback is welcome.
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A bank regulatory wire service — guidance, rule text, and legislation read from the primary source, filed with conclusions front-loaded.
BankRegWire is a working catalogue of U.S. financial services regulation, maintained by a practitioner across state and federal supervision. Each dispatch distills a specific rule, piece of guidance, piece of legislation, or structural feature of the dual banking system into a single working document. Methodology favors statute and rule text over secondary commentary; conclusions are front-loaded. Dispatches are revised on the wire as agency actions and legislative posture evolve. Corrections and comments: [email protected].
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An interactive matrix of the consent orders reshaping the bank–fintech relationship — mapping each action across sponsor banks, middleware providers, and programs by theme: AML/BSA, third-party risk, ledger reconciliation, and capital. The single clearest read on where supervisors are actually drawing the line.
An interactive reference to the Federal Reserve System — the dual mandate and the FOMC, the supervisory role, the payments and discount-window functions, and the structure of the Board of Governors and the twelve district Reserve Banks. The foundation under every monetary and supervisory dispatch on the wire.
A side-by-side reading of FIL-15-2026 against SR 11-7, mapping where the federal agencies' new model risk guidance retains, sharpens, or quietly narrows the 2011 baseline.
Open dispatch→A working framework for how the GENIUS Act applies to OCC-supervised stablecoin issuers — permitted issuer pathways, reserve composition, and statutory tripwires.
Open dispatch→A second reading of the GENIUS Act through its defining structural choice — the dual federal and state pathways for payment stablecoin issuers, the $10B threshold that divides them, and what the bifurcation means for charter strategy.
Open dispatch→A clause-anchored walkthrough of the 2026 FinCEN and FDIC AML/CFT Program Rule proposals, grounded in the rule text itself rather than secondary commentary.
Open dispatch→What changed in the Uniform Financial Institutions Rating System in 2026, and how examiner expectations shift in practice across the six CAMELS components.
Open dispatch→A ground-up rethink of the 2023 interagency third-party risk guidance — what it left ambiguous, where the BaaS enforcement wave exposed the gaps, and what the guidance should have been.
Open dispatch→A clause-anchored reading of two recent White House executive orders shaping financial services policy — what each order directs, the agencies tasked with implementation, and the regulatory cascade downstream.
Open dispatch→A live scorecard of pending bank M&A reform across the FDIC, OCC, and Federal Reserve — tracking OCC threshold alignment, HHI modernization, and rural de minimis treatment.
Open dispatch→Analysis of the Federal Reserve's proposed Payment Account — colloquially the "skinny" master account — with a running record of Board action from Governor Waller's October 2025 framing through the May 2026 formal proposal.
Open dispatch→A running record of OCC policy moves under Comptroller Gould — chartering decisions, preemption posture, supervisory letters, and licensing precedent.
Open dispatch→A comparative reading of how major jurisdictions license fintechs — U.S. state MTLs and special-purpose charters set against the UK, EU/MiCA, Singapore and others — mapping where the perimeter is drawn and how passporting works.
Open dispatch→An experimental rulemaking calendar that triangulates what is coming from agency principals' on-the-record comments, the Federal Register, OIRA's pending review queue, and each agency's Unified Spring Agenda.
Open dispatch→A sourced comparison of the headline policy positions of the ABA, BPI, and ICBA — mapping where the three trade groups align (Basel capital, supervisory reform) and where ICBA's community-bank principles diverge on consolidation and the separation of banking and commerce.
Open dispatch→A live tracker of financial services legislation moving through Congress — bills by chamber and committee, sponsor and posture, and where each sits on the path from introduction to enactment.
Open dispatch→A running tracker of the changes remaking the Consumer Financial Protection Bureau — leadership and funding posture, rulemaking withdrawals, staffing and structural changes, and the litigation over its authority.
Open dispatch→A handicapping of whether digital asset market structure legislation gets enacted — the CLARITY Act's path through the Senate, the sticking points between the committees, and the odds the framework crosses the finish line this Congress.
Open dispatch→A look at an important pivot — Vice Chair Bowman's Statement of Supervisory Operating Principles, which redirects Federal Reserve examiners toward material financial risk and away from process, and the October 2025 → April 2026 revision arc.
Open dispatch→How state-chartered and OCC-chartered trust companies are supervised, including the CSBS Nationwide Cooperative Agreement, MTL exposure, and federal preemption posture.
Open dispatch→A timeline of OCC preemption authority — statute, regulation, and litigation — through the Dodd-Frank standard at 12 USC § 25b and the recent reassertions.
Open dispatch→A working map of the federal–state supervisory architecture: who charters, who examines, who enforces, and where authority overlaps across the dual banking system.
Open dispatch→A long-arc reading of U.S. banking structure — from the First Bank of the United States through the National Bank Act, the founding of the Federal Reserve, Glass–Steagall and FDIC, to the dual-charter system today. The reference layer beneath every other dispatch.
Open dispatch→