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Banking On It

Welcome to Banking On It, a blog providing timely, practical, and insightful commentary on the legal challenges and regulatory risks impacting regional and community banks, national banks, credit unions, mortgage lenders, commercial and consumer lenders, fintechs, payment providers, and other financial institutions. Whether you’re a bank executive, compliance officer, or legal professional, our goal is to keep you informed and prepared for what’s ahead in today’s complex regulatory landscape and ever-changing market.

A Forum for Insights in Credit and Compliance

The focus of our Banking On It blog spans a wide range of areas that are increasingly relevant in today’s economic climate, including consumer finance, loan originations, bankruptcy, special assets, and loan workouts. In addition to regulatory updates, we delve into enforcement trends and emerging risks that could affect your institution’s operations and strategic decisions. Backed by our proven track record spanning decades in the banking and finance industry, this blog aims to be a valuable resource for financial institutions seeking clarity and guidance in a rapidly changing regulatory environment.

Latest Blog Posts

Money Matters Roundup | August 2026

August 13, 2026 | Finance Industry Blogs

Money Matters is a monthly snapshot of key developments across the financial services industry. From...

Still frame from time lapse 615130120. Shot taken from high up in a skyscraper in Downtown Los Angeles, of sunlight shining through fog and cloud, on the financial district.
Former CFPB Director Rohit Chopra Sworn in to Lead New California Business and Consumer Services Agency

August 4, 2026 | Finance Industry Blogs

On July 1, 2026, former Consumer Financial Protection Bureau (CFPB) Director and former Federal Trad...

Money Matters Roundup | July 2026

July 14, 2026 | Finance Industry Blogs

Money Matters is a monthly snapshot of key developments across the financial services industry. From...

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CFPB Narrows Section 1071 Rule, Reshaping Coverage for Small Business Lenders

July 7, 2026 | Finance Industry Blogs

On May 1, 2026, the Consumer Financial Protection Bureau (CFPB) issued a final rule making substanti...

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When Your Vendor’s Breach Becomes Your Lawsuit: Privacy Risk Lessons from Recent Bank Litigation

May 6, 2026 | Finance Industry Blogs

A recent high-profile incident illustrates the growing litigation and regulatory risks that financia...

Financial Services Bank Building
What Banks Need to Know About the Main Street Capital Access Act

April 2, 2026 | Finance Industry Blogs

On January 7, 2026, Representative J. French Hill (R-AR) introduced H.R. 6955, the Main Street Capit...

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Inside the Vault: An Overview of the Federal Reserve and Strategic Considerations for Lenders and Issuers

March 31, 2026 | Finance Industry Blogs

The Federal Reserve, which serves as the nation’s central bank, is set to undergo a major leadersh...

Business people, blur or shaking hands for deal, b2b collaboration or teamwork in office. Handshake, partnership or employee in corporate agreement with meeting success, welcome or thank you gesture
Letters of Credit: A Strategic Tool for Community and Regional Banks

March 17, 2026 | Finance Industry Blogs

For community and regional banks, letters of credit remain one of the most valuable and often undera...

Female trader wearing eyeglasses with reflection of stock market charts
Shadow Banking and Private Credit: What It Is, Why It’s Used, and Why It’s in the News

March 10, 2026 | Finance Industry Blogs

You have probably seen “shadow banking” and “private credit” splashed across recent financia...

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Lessons and Takeaways from Recent FDIC Enforcement Actions

December 3, 2025 | Finance Industry Blogs

On October 31, 2025, the Federal Deposit Insurance Corporation (FDIC) released its list of enforceme...

Bill Introduced to Increase Reporting Thresholds Under the Bank Secrecy Act

November 7, 2025 | Finance Industry Blogs

On October 21, 2025, the Senate Committee on Banking, Housing, and Urban Affairs introduced S.B. 301...

Bank symbol with with coins stack. Concepts of the banking system, rising interest rates, inflation, deflation, and savings.
FDIC Modifies Its Examination Manual to Remove Disparate Impact Liability, in Line with Recent Executive Order

September 18, 2025 | Finance Industry Blogs

The Federal Deposit Insurance Corporation (FDIC) announced in a Financial Institution Letter (FIL-41...

Extended 1071 Rule Compliance Deadlines Still Stand, but New CFPB Rulemaking Planned

September 15, 2025 | Finance Industry Blogs

On June 18, 2025, the Consumer Financial Protection Bureau (CFPB) published an interim final rule ex...

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Recent Trends in FDIC Consumer Compliance Examinations and Complaints

August 13, 2025 | Finance Industry Blogs

The Federal Deposit Insurance Corporation (FDIC) recently released its Consumer Compliance Superviso...

If Congress cannot agree on budget package, the United States government will shut down
Texas Court Vacates CFPB’s Medical Debt Rule: Lender and CRA Takeaways

August 6, 2025 | Finance Industry Blogs

On July 11, 2025, the U.S. District Court for the Eastern District of Texas vacated the Consumer Fin...

Banking On It Contacts

Lindsay S. Oak Profile Image
Lindsay S. Oak

Partner

Columbus, OH

Emilia R. Rubin Profile Image
Emilia R. Rubin

Senior Associate

Columbus, OH

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