United States: Financial Services

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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
Big Law Redefined: The Bottom Line Episode 1 | AI, Payments, And Strategic Counsel In Financial Services (Podcast)
Shirin Afsous and Tonya Esposito interview André Cotten, assistant general counsel and regulatory and legislative affairs leader at Navy Federal Credit Union, exploring insights from a senior legal executive at one of the nation's largest credit unions. The conversation delves into the intersection of legal strategy, regulatory compliance, and legislative affairs in the financial services sector.
United States Finance
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Greenberg Traurig, LLP
Article
BDC Facts & Stats 2026
Business development companies (BDCs) have become a critical financing source for private equity-backed small- and middle-market companies while offering investors attractive private credit exposure. As the BDC market matures, sponsors and investors are increasingly exploring alternative structures, joint ventures with institutional investors, and evolving co-investment arrangements. The regulatory landscape continues to shift with proposed SEC rulemakings that could expand retail access to private markets
United States Finance
MB
Mayer Brown
Article
CryptoLink Newsletter - August 2026 Updates
August 2026 witnessed significant regulatory developments in the digital asset space, with the SEC proposing Regulation Crypto Assets to establish exemptions for crypto investment contracts while Congress debated the CLARITY Act. International regulators in the UK and Singapore also advanced frameworks for stablecoins and payment systems, reflecting a global push toward comprehensive digital asset oversight.
United States Finance
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Akin Gump Strauss Hauer & Feld LLP
Article
California Enacts Sweeping New Regulation Of Commercial Financing
California has once again expanded its regulation of financial services. On September 30, 2026, Governor Gavin Newsom signed Assembly Bill 2116, which will subject a broad range of commercial financing providers and brokers to licensing, substantive conduct requirements, and regulatory oversight by the California Department of Financial Protection and Innovation (DFPI). A legislative analysis of the Bill appears here.
United States Finance
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Ballard Spahr LLP
Article
The Desk: October Edition Newsletters
The October edition of The Desk covers critical developments in derivatives regulation, including the approaching Treasury clearing compliance deadline, CFTC enforcement actions totaling over $150 million in penalties, and new guidance on tokenized assets and prediction markets. The newsletter examines how regulatory agencies are adapting to digital innovation while maintaining market integrity through enhanced whistleblower programs and stricter oversight of commodity pool operators.
United States Finance
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Moore & Van Allen
Article
Revamping Abbreviated Disclosure Requirements For Equity-Linked Securities 30 Years Following Issuance Of The Morgan Stanley No-Action Letter
The Securities and Exchange Commission's Division of Corporation Finance has issued a significant no-action letter that modernizes the 1996 Morgan Stanley framework for structured notes. This interpretive guidance expands the abbreviated disclosure approach to encompass a broader range of equity-linked debt securities, marking a notable development in securities registration practices.
United States Finance
MB
Mayer Brown
Article
The Winds Of Banking Regulation Change Blow From The Right In DC For Now
Mississippi bankers recently traveled to Washington D.C. for their annual fly-in, meeting with federal regulators and congressional representatives to discuss enforcement priorities and banking policy. The meetings revealed a notable shift in tone compared to previous years, with discussions becoming markedly more congenial and collaborative between industry representatives and government officials.
United States Finance
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Jones Walker
Article
Digital IDs And Customer Identification: What FinCEN’s New FAQs Mean For Onboarding
Financial institutions face new questions about accepting state-issued mobile driver's licenses and other government-issued verifiable digital credentials under customer identification programs. The September 2026 guidance from FinCEN and federal banking agencies clarifies when banks and credit unions may rely on these digital credentials, but leaves critical implementation decisions about technology, validation, and reasonable-belief standards to each institution.
United States Finance
GU
Gesmer Updegrove LLP
Article
Community Bank Group Sues OCC Over National Bank Charters
On October 2, a community banking trade association filed a lawsuit against the OCC in the U.S. District Court for the District of Columbia, challenging the agency's authority to grant national trust bank charters to cryptocurrency companies. The complaint alleges that the OCC exceeded its authority under the National Bank Act (NBA) and violated the Administrative Procedure Act (APA) by permitting institutions that neither accept deposits nor primarily engage in fiduciary activities to obtain national trust bank charters.
United States Finance
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Sheppard, Mullin, Richter & Hampton LLP
Article
FINRA Rule 3290 Approved: Rebuilding Outside-Activities Supervision
The SEC has approved FINRA's consolidated Rule 3290, which will replace existing outside-activities rules for broker-dealer employees. While approval marks a regulatory milestone, firms must distinguish it from effectiveness and use the transition period strategically to rebuild disclosure forms, risk assessment frameworks, supervisory conditions, and compliance records before the rule takes effect.
United States Finance
GU
Gesmer Updegrove LLP
Article
CFTC Passive-Software Relief: Where Technology Ends And Intermediation Begins
On September 17, 2026, the CFTC's Market Participants Division issued a no-action position for providers of passive derivatives-trading software, establishing a framework under which certain front-end applications may operate without introducing-broker registration. The relief depends on ten specific conditions covering disclosures, liability undertakings, compliance procedures, and operational constraints that distinguish passive market access from solicitation. Product teams and compliance officers must u
United States Finance
GU
Gesmer Updegrove LLP
Article
Mortgage Banking Update - September 24, 2026
Ballard Spahr attorneys examine the future of consumer financial services through agentic AI, highlight new guidance on SAR confidentiality and customer communications, and recap the Inspector General's report on CFPB cutbacks. The newsletter covers regulatory developments including Brian Johnson's CFPB nomination advancement, proposed CFPB reform legislation, Colorado's AI regulations, and critical updates on DIDMCA opt-out clarification.
United States Finance
BS
Ballard Spahr LLP
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