Fdic news and trends

FDIC Support Clears a Path for Tokenized Deposits to Scale
Regulation // December 29, 2025

Tokenization is steadily reshaping how financial assets are recorded and moved, and support from regulators is paving the way for wider use across financial services. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content...

FDIC Requires SouthPoint Bank to Improve Credit Risk Management
Bank Regulation // December 29, 2025

The Federal Deposit Insurance Corp. (FDIC) announced a consent order with Birmingham, Alabama-based SouthPoint Bank that concerns “charges of unsafe or unsound banking practices and/or violations of law or regulation relating to weaknesses in management, asset quality, capital, earnings, and liquidity/funding.” Get the Full Story...

Senate Confirms Travis Hill as FDIC Board Chair
Personnel // December 19, 2025

The Commodity Futures Trading Commission (CFTC) and the Federal Deposit Insurance Corporation (FDIC) have new leaders. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter,...

FinTech Company Mercury Submits Applications to Become National Bank
Banking // December 19, 2025

FinTech company Mercury has applied for a national bank charter with the Office of the Comptroller of the Currency (OCC) and for federal deposit insurance with the Federal Deposit Insurance Corporation (FDIC). Get the Full Story Complete the form to unlock this article and enjoy...

Interviews & Exclusives
FDIC Capital Rules May Push Banks to Rethink FinTech Partnerships

November 24, 2025
The Federal Deposit Insurance Corp.’s latest board agenda reads like a preview of the next major regulatory issues looming for big banks, and by extension, their FinTech partners. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to […]

FDIC and OCC Propose Overhaul of How Bank Risks Are Flagged

October 08, 2025
Federal regulators are overhauling how they determine when a bank crosses the line from prudent to “unsafe.” Get the Full Story Complete the form to unlock this article and enjoy...

Bank Chiefs Push Lawmakers on Deposit Backstop in Wake of SVB

September 10, 2025
Bank CEOs told lawmakers at a Senate Committee hearing Wednesday (Sept. 10) that deposit insurance reform is urgently needed in the wake of the Silicon Valley Bank collapse of 2023....

Inspector General Warns FDIC Oversight Failures Endanger Banks

August 18, 2025
The expansion of banking ecosystems has long been in place as financial institutions (FIs) link with providers to fine-tune and modernize operations. Get the Full Story Complete the form to...

Quick Reads
Affirm Applies to Establish Industrial Loan Charter

January 23, 2026
Buy now, pay later (BNPL) provider Affirm aims to establish a bank subsidiary called Affirm Bank. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this form, you agree to […]

FDIC Requires SouthPoint Bank to Improve Credit Risk Management

December 29, 2025
The Federal Deposit Insurance Corp. (FDIC) announced a consent order with Birmingham, Alabama-based SouthPoint Bank that concerns “charges of unsafe or unsound banking practices and/or violations of law or regulation...

Senate Confirms Travis Hill as FDIC Board Chair

December 19, 2025
The Commodity Futures Trading Commission (CFTC) and the Federal Deposit Insurance Corporation (FDIC) have new leaders. Get the Full Story Complete the form to unlock this article and enjoy unlimited free...

FinTech Company Mercury Submits Applications to Become National Bank

December 19, 2025
FinTech company Mercury has applied for a national bank charter with the Office of the Comptroller of the Currency (OCC) and for federal deposit insurance with the Federal Deposit Insurance...