United States: Charges, Mortgages, Indemnities

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Finance law and banking law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as capital adequacy, BASEL, acquisition finance, debt capital markets, fund finance, islamic finance, securitization and structured finance.
Article
Basel III Endgame Evolution: Banking Agencies Propose Major Capital Overhaul (Again)
On March 19, 2026, the federal banking agencies issued a package of proposed changes to the regulatory capital requirements for banking institutions of all sizes, from the largest GSIBs and super-regional banks to community banks (the “Proposed Rules”). This package of proposals is a second full attempt at implementing the 2017 “Basel III Endgame” international framework—following the agencies’ initial package of proposals in July 2023 (the “2023 NPR”)—to better reflect credit, trading and operational risk in the calculation of minimum regulatory capital ratios.
United States Finance
ST
Simpson Thacher & Bartlett
Article
Mortgage Banking Update - April 16, 2026
Ballard Spahr's Consumer Financial Services Group provides comprehensive analysis of the latest regulatory developments affecting mortgage banking and consumer finance, including CFPB workforce restructuring, state DIDMCA opt-outs, debanking regulations, and emerging payment technologies. The newsletter features expert insights on enforcement priorities, compliance obligations, and strategic implications for financial institutions navigating an evolving regulatory landscape.
United States Finance
BS
Ballard Spahr LLP
Article
Maine Passes Law To Regulate Home Equity Investment Contracts
Maine has enacted groundbreaking legislation regulating home equity investments (HEIs) and shared appreciation mortgage loans, imposing strict licensing requirements, contract restrictions, and consumer protections. The law requires homeowners to obtain independent legal counsel and HUD-approved counseling before entering these agreements. How will these comprehensive regulations reshape the HEI market and what challenges will providers face in complying with Maine's new framework?
United States Real Estate
MB
Mayer Brown
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