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bankeration.bsky.social
Bankeration
@bankeration.bsky.social
41 followers 55 following 120 posts
Banking news and insights for an evolving industry. Weekly five-minute Substack posts with snapshots/summaries of current events. Longer posts periodically (and not on a set schedule) taking a deeper look at hot topics.
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bankeration.bsky.social
This week: Washington wrangles over crypto charters, private credit takes heat, AI’s promises and risks, and the Fed flags leverage and policy risk – all in five minutes. open.substack.com/pub/bankerat... #banking #bankingnews #financenews
Banking News Roundup – 2025: Week 45
Washington wrangles over crypto charters, private credit takes heat, AI’s promises and risks, and the Fed flags leverage and policy risk – all in five minutes.
open.substack.com
November 10, 2025 at 4:05 PM
bankeration.bsky.social
Rates fall, QT nears its end, the shutdown bites, skinny Fed master accounts get a fat response, TradFi and crypto draw closer, and deals abound – all in a five minute read. open.substack.com/pub/bankerat... #banking #bankingnews #financenew
Banking News Roundup – 2025: Week 44
Rates fall, QT nears its end, the shutdown bites, skinny Fed master accounts get a fat response, TradFi and crypto draw closer, and deals abound – all in five minutes.
open.substack.com
November 3, 2025 at 9:03 PM
bankeration.bsky.social
Bank dealmaking is heating up — and we may have new players in assisted transactions.

The FDIC plans to let PE and other nonbanks bid for failed institutions, a major shift that could reshape how future crises are resolved.

bankeration.substack.com/i/176604169/... #banking #PrivateEquity
Banking News Roundup – 2025: Week 42
The age of Erebor is arriving, regional bank stocks get battered, earnings turn up roses, PE gets to bid on failed banks, deposit insurance reform gets pushback.
bankeration.substack.com
October 22, 2025 at 2:29 PM
bankeration.bsky.social
This week: The age of Erebor is arriving, regional bank stocks get battered, earnings turn up roses, PE gets to bid on failed banks, deposit insurance reform gets pushback – all in a 5 minute read. open.substack.com/pub/bankerat...
#banking #bankingnews #FinanceNews #stablecoins
Banking News Roundup – 2025: Week 42
The age of Erebor is arriving, regional bank stocks get battered, earnings turn up roses, PE gets to bid on failed banks, deposit insurance reform gets pushback.
open.substack.com
October 20, 2025 at 2:34 PM
bankeration.bsky.social
Crypto still isn’t a community bank thing.
According to the 2025 @CSBSNews survey, 68% say client crypto needs don’t matter—and 92% have no plans to offer crypto services anytime soon. www.csbs.org/survey
Annual Survey of Community Banks
The CSBS Annual Survey of Community Banks is a look at community banker sentiment about the economy, compliance costs, inflation, technology and more.
www.csbs.org
October 17, 2025 at 10:03 PM
bankeration.bsky.social
The IMF is warning that the $250B+ synthetic risk transfer market is growing faster than regulators can see it. Blind pools, circular funding, and thin disclosures are making risk harder to track just as Europe moves to expand the market. www.bloomberg.com/news/article...
Market for Synthetic Risk Transfers Is Riddled With Gaps in Disclosure, IMF Officials Say
Regulators need to step up the oversight of banks’ use of synthetic risk transfers which may make the financial system more fragile, according to a paper released by a group of International Monetary ...
www.bloomberg.com
October 17, 2025 at 10:02 PM
bankeration.bsky.social
This week’s newsletter covers deregulation, a new FDIC insurance proposal, CDFI headwinds, $1T in potential deposit flight, and fresh Fed research on jobs — all in five minutes.
📨 Read it here: open.substack.com/pub/bankerat...
Banking News Roundup – 2025: Week 41
Deregulation picks up speed, deposit insurance reform gets a reboot, bad news for CDFIs, analysts warn of $1 trillion in deposit flight, and research says it pays to point the finger at a fraudster.
open.substack.com
October 15, 2025 at 2:05 PM
bankeration.bsky.social
A penny shortage is causing chaos for banks and retailers as the Fed halts distribution at 41 coin terminals. With production already stopped, lenders and merchants are scrambling for change — literally. www.americanbanker.com/news/penny-s...
Penny shortage causes 'chaos' for banks and retailers
Supplies of the one-cent coin have fallen faster than expected, causing headaches for cash businesses and the lenders that provide them with change.
www.americanbanker.com
October 14, 2025 at 5:53 PM
bankeration.bsky.social
Deregulation’s on the move, deposit insurance reform gets a reboot, CDFIs get bad news, analysts forecast $1 trillion in deposit flight, and @notredame.bsky.social Professor Vamsi Kanuri says it pays point the finger at a fraudster. open.substack.com/pub/bankerat... #banking #Regulation
October 13, 2025 at 3:21 PM
bankeration.bsky.social
Maspeth Federal’s new tech center sits in a retail storefront. Why? Visibility builds trust. Personally, I'm a fan of incumbents who lean into their strengths as they navigate an evolving industry. Read Bankeration’s Practical: bankeration.substack.com/p/maspeth-fe...
#banking #CX #strategy
Maspeth Federal's Bold Move: Staying Relevant by Making Technology Visible
A case study in playing to your strengths in a changing world.
bankeration.substack.com
October 12, 2025 at 6:13 PM
bankeration.bsky.social
Cloudflare launched ‘Net Dollar,’ a tokenized payment model for the AI-driven internet. Your online security vendor may now be competing with you for deposits. Might be time to update those third-party vendor risk questionnaires!
www.cloudflare.com/press/press-... #Banking #Stablecoins
Cloudflare Introduces NET Dollar to Support a New Business Model for the AI-Driven Internet | Cloudflare
Cloudflare, Inc. (NYSE: NET), the leading connectivity cloud company, today announced plans to introduce NET Dollar, a new U.S. dollar-backed stablecoin that will enable instant, secure transactions f...
www.cloudflare.com
October 9, 2025 at 3:27 PM
bankeration.bsky.social
From rate swings to reserve drains, Week 40 was full of signals.
Catch the concise breakdown:
📉 Treasury rates down
🏦 Reserves sub-$3T
⚡ Cyber law push
Read Bankeration’s Week 40 Roundup → open.substack.com/pub/bankerat...
#banking #financenews
Banking News Roundup – 2025: Week 40
The U.S. government shuts down, Treasury rates drop, mortgage rates rise, bank reserves go sub- $3 trillion, Hill is in, Harris is out, and the industry pushes for cybersecurity legislation.
open.substack.com
October 8, 2025 at 4:51 PM
bankeration.bsky.social
FDIC is preparing to join the Trump admin’s ‘debanking’ crackdown, per Bloomberg. Expect more reporting demands for large banks and possibly new rules. #banking #regulation #debanking
www.bloomberg.com/news/article...
FDIC Set to Jump Into Trump’s Debanking Fight With New Plan
US regulators are set to unveil a plan next week targeting how officials scrutinize banks’ risk, after President Donald Trump moved to rein in what he sees as the closing of customer accounts for poli...
www.bloomberg.com
October 7, 2025 at 2:26 PM
bankeration.bsky.social
The U.S. government shuts down, Treasury rates drop, mortgage rates rise, bank reserves go sub- $3 trillion, Hill is in, Harris is out, and a push for cybersecurity legislation. open.substack.com/pub/bankerat... #banking #financenews #bankinginsights #Regulation #CyberSecurity #Regulation
Banking News Roundup – 2025: Week 40
The U.S. government shuts down, Treasury rates drop, mortgage rates rise, bank reserves go sub- $3 trillion, Hill is in, Harris is out, and the industry pushes for cybersecurity legislation.
open.substack.com
October 6, 2025 at 2:59 PM
bankeration.bsky.social
@wsj.com reports that U.S. regulators are combing through years of account closure data, searching for “de-banking” incidents.

The political heat is real. The supervisory approach is still being defined. Banks may in for a challenge. #debanking www.wsj.com/finance/regu...
Exclusive | Banks Ordered to Dig Through Account Closures to Find ‘Debanking’ Cases
Regulators demand information going back years as part of President Trump’s crackdown on alleged political or religious discrimination.
www.wsj.com
October 3, 2025 at 5:24 PM
bankeration.bsky.social
De-banking isn’t just a political headline—it’s an org chart problem. In my latest Practical, I explain why governance structures matter as much as ideology, and how legal’s shrinking role inside banks leaves blind spots.
Read: De-banking and the Org Chart open.substack.com/pub/bankerat...
De-banking and the Org Chart
Senator Bernie Moreno called banks cowards for letting regulators push them around. Davis Polk's Meg Tahyar warned us years ago that we were setting the stage for exactly this outcome.
open.substack.com
October 2, 2025 at 4:11 PM
bankeration.bsky.social
DAOs are leaving Discord and moving into Wyoming corporate law.
In my latest Closer Look, I unpack why Uniswap chose the Cowboy State—and what it says about the evolution of decentralized governance.
Read: Making Sense of DAOs open.substack.com/pub/bankerat...
Making Sense of DAOs: Why Uniswap Is Going to Wyoming
The largest Decentralized Autonomous Organization (DAO) heads to the Cowboy State. Others may follow.
open.substack.com
October 1, 2025 at 6:04 PM
bankeration.bsky.social
Kraken’s new survey shows 80% of U.S. crypto users would pay higher fees for an exchange they trust. Only 16% put cost first. Imagine if clients valued banks the same way—we’d all like those results. A partial answer: better positioning and storytelling.
decrypt.co/341343/crypt...
Crypto Users Care More About Trust than Lower Fees: Kraken Survey - Decrypt
A recent survey conducted by crypto exchange Kraken found that Americans are placing a premium on trust, as opposed to lower trading fees.
decrypt.co
September 30, 2025 at 4:31 PM
bankeration.bsky.social
Cook goes to SCOTUS, CDFIs get hope, Banks get #debanking inquiries, CRE gets lower rates, the SBA gets flack for its new citizenship requirements, and a lot of #mergers get announced – in a 5 minute read. open.substack.com/pub/bankerat...
#banking #bankingnews #financenews #stablecoins #mergers
Banking News Roundup – 2025: Week 38
This week: Cook goes to SCOTUS, CDFIs get hope, Banks get debanking inquiries, CRE gets lower rates, the SBA gets flack for its new citizenship requirements, and a lot of bank mergers get announced.
open.substack.com
September 29, 2025 at 4:49 PM
bankeration.bsky.social
Anti-debanking efforts ramp up, more layoffs are planned for the CFPB, markets anticipate rate cuts, FedNow ups its limit, Tether plans a U.S. launch, and PNC and UBS make moves. tinyurl.com/bddbnd6m

#banking #bankingnews #financenews #debanking #cryptocurrency #stablecoins
Banking News Roundup – 2025: Week 37
Anti-debanking efforts ramp up, the CFPB braces for more layoffs, markets anticipate Fed cuts, FedNow raises its limit, Tether plans a U.S. launch, PNC and UBS make moves — all in a five minute read.
tinyurl.com
September 15, 2025 at 4:38 PM
bankeration.bsky.social
It was a pleasure chatting with @treasurywhisperer.bsky.social! tinyurl.com/mw7bwscs. We talk about our days at Pepsi, the glory days of Signature Bank, the origins of Signet, the future of #stablecoins, and bank M&A. You can find the podcast on Apple, Spotify, Amazon, Audible, and other platforms.
Episode 6 - PepsiCo Treasury Intern to Banking Strategist with Alyson Stone, Founder and CEO of Attion Consulting
Podcast Episode · The Treasury Whisperer’s Talkcast Podcast · 09/10/2025 · 34m
tinyurl.com
September 12, 2025 at 3:43 AM
bankeration.bsky.social
This week: the CFPB deregulates, weak jobs data drives Fed cut bets, reciprocal deposit networks compete, and the U.S. adopts crypto — all in a five-minute read. open.substack.com/pub/bankerat... #banking #bankingnews #financenews #bankinginsights
Banking News Roundup – 2025: Week 36
This week: the CFPB deregulates, weak jobs data drives Fed cut bets, reciprocal deposit networks compete, and the U.S. adopts crypto — all in a five-minute read.
open.substack.com
September 8, 2025 at 2:55 PM
bankeration.bsky.social
Earnings land, capital cushions ease, rates dip, Trump ousts Cook, FHLB boards shrink, debanking crackdown sharpens, and Google debuts a Layer-1 — all in a five-minute read. open.substack.com/pub/bankerat...
#banking #bankingnews #bankinginsights #financenews #crypto #blockchain #debanking
Banking News Roundup – 2025: Week 35
Earnings land, capital cushions ease, rates dip, Trump ousts Cook, FHLB boards shrink, debanking crackdown sharpens, and Google debuts a Layer-1 — all in a five-minute read.
open.substack.com
August 31, 2025 at 10:45 PM
bankeration.bsky.social
Powell signals a shift, Bowman bolsters innovation, CDFIs get stiffed, Open Banking rulemaking is back, Wyoming gets stable, Circle makes an Arc, Illinois gets crypto laws—all in a 5 minute read. open.substack.com/pub/bankerat... #banking #stablecoins #crypto #openbanking #blockchain
Banking News Roundup – 2025: Week 34
Powell signals a shift, Bowman bolsters innovation, CDFIs get stiffed, Open Banking rulemaking is back, Wyoming gets stable, Circle makes an Arc, Illinois gets crypto laws — all in a five-minute read.
open.substack.com
August 25, 2025 at 2:59 PM
bankeration.bsky.social
Uniswap, one of the biggest players in #DeFi, is considering Wyoming as its legal home. If you’re not deep in the crypto weeds, don’t worry — we break down what a DAO is, and why this could be a turning point for decentralized finance. open.substack.com/pub/bankerat... #crypto #Explainer
Making Sense of DAOs: Why Uniswap Is Going to Wyoming
The largest Decentralized Autonomous Organization (DAO) heads to the Cowboy State. Others may follow.
open.substack.com
August 20, 2025 at 3:05 PM