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Report: Private credit opacity poses risk to financial system

Nonbank, Politics and policy, Private equity, Regulation and compliance /

Key takeaway: The private credit market, with an estimated size of $1.5 to $2 trillion, poses a challenge to regulators tasked with monitoring the sector because data collection is fragmented or locked behind paywalls.  Expert quote: “This web of interlinkages may create challenges for banks in effectively managing their direct and indirect risks. Fragmented oversight […]

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Is private credit a new risk for the Federal Home Loan banks?

FHLB, Liquidity, Nonbank, Politics and policy, Regulation and compliance /

Key insight: Insurance company borrowing from the Federal Home Loan banks hit a record $177.8 billion last year, a 10% jump from borrowing levels in 2024, which itself was a 13% increase over 2023. What’s at stake: Insurers are utilizing “spread investing” programs to secure low-cost cash advances from the system and reinvest into higher-yielding

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Trump backs ban on institutional buyers in housing market

Housing, Nonbank, Politics and policy /

Key insight: President Donald Trump said he would ban institutional investment in single-family homes, and called on Congress to codify the changes.  What’s at stake: Banks are often financiers of institutional investments in single-family housing stock.  Forward look: The White House doesn’t have unilateral power to ban institutional investors from purchasing single family homes, but

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Lending to nonbanks is booming. Will it last in 2026?

Commercial banking, Credit quality, Nonbank, Regulation and compliance, Strategic planning /

Key insight: Banks have been lending to nondepository financial institutions at a rapid pace, but the Trump administration’s approach to regulation could change their incentives. Supporting data: Lending to nonbank financial institutions accounted for about 40% of bank loan growth in 2025, though the category only represents about 13% of total bank loans. What’s at

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Gould backs charters to bring nonbanks into regulatory fold

Nonbank, Politics and policy, Regulation and compliance, Stablecoin /

Key insight: Gould argued the OCC can only ensure fair oversight by admitting qualified fintechs and crypto firms through national trust charters, saying regulation outside the perimeter is impossible. Supporting data: He acknowledged concerns over fairness as the OCC reviews trust charters like Coinbase’s and said Dodd-Frank narrowed the “scope of banking relevance,” driving innovation

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CFPB kills two Biden-era nonbank registries, citing costs

CFPB kills two Biden-era nonbank registries, citing costs

CFPB News & Analysis, Nonbank, Politics and policy /

Russell Vought, acting director of the Consumer Financial Protection Bureau, also heads the Office of Management and Budget.Andrew Harrer/Bloomberg Key Insight: The rescission of the two nonbank registries is in line with the Trump administration’s deregulatory posture. What’s at Stake: Nonbank technology companies are no longer a target of the CFPB. Supporting Data: Acting CFPB

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CFPB to further curb its ability to supervise nonbanks

CFPB to further curb its ability to supervise nonbanks

Nonbank, Politics and policy, Regulation and compliance /

Bloomberg News WASHINGTON — The Consumer Financial Protection Bureau is proposing a new rule that would limit its ability to oversee nonbanks, according to a notice published quietly in the Federal Register Tuesday.  The CFPB said it plans to adopt a new definition of “risks to consumers with regard to the offering or provision of

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Banks vs IMBs: who wins the HELOC war?

HELOCs, Home equity loans, LOAN PRODUCTS, Nonbank /

In the race to capture home equity line of credit customers, non-bank lenders say they have plenty to offer compared to their larger competitors. All mortgage players are staring at a lucrative HELOC opportunity in the next two years with soaring equity alongside stale mortgage rates and rising consumer debt. While homeowners who secured ultra-low

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