Podcasts

The failures of Silicon Valley Bank, Signature Bank and First Republic brought to light the Federal Home Loan Banks' role as a 'lender of next-to-last resort.' Some critics say that the review from the Federal Housing Finance Agency should bring the system back to its original purpose of oiling the mortgage finance market. 

In the aftermath of last year's racially motivated mass shooting in a predominantly Black community in Buffalo, New York, American Banker reporter Allissa Kline explores what responsibility banks have to help segregated, impoverished communities that were shaped in part by past discriminatory lending practices.

Fintechs created earned wage access so cash-strapped employees could get an advance on their next paycheck to cover urgent expenses. Some say repeat usage of fee-based EWA resembles a payday loan, sparking debate over whether regulators should call EWA a loan.

The demise of FTX, a prominent crypto exchange, late last year, has left the crypto industry grappling with the consequences and uncertainties left in its wake. As the crypto sector teeters on the edge of more forceful regulation, the aftermath of FTX's explosion has revealed deep fault lines within the industry and increased banks' already healthy level of caution toward the technology, especially after more crypto-aligned banks failed in 2023. The once-unified industry now faces a turbulent next few years. In this episode of BankShot, we delve into the implications of FTX's downfall and its lasting impact on banks, the crypto landscape and the emerging path toward regulatory clarity and stability.