Entertaining information focused on Fintech industry insights, market trends, news, and life stories from Fintech leaders, thinkers, and doers.

Oct 27, 2026

The FDIC Studies the Agent. Sezzle Applies to Be the Bank.

Agent access gets regulatory attention. Sezzle and Ramp seek different charters. Cross River agrees to buy Accrue, while Pathward shows what sponsorship earns and costs.

Stephen Bishop

The OCC just set the clock: stablecoin issuers have until Jan 18, 2027

Tedd Huff

Oct 26, 2026

BANKER WARNING: Here Comes the Run

Stephen Bishop

Oct 23, 2026

Bank of America’s Tests Found the Problem. The OCC Sent a $750 Million Bill.

Stephen Bishop

Oct 20, 2026

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Amex Gets a $350 Million Penalty for Watching the Wrong Book

The OCC fined American Express National Bank $350 million for missing about $13 billion in suspected money laundering. A pension fund sued Coastal Financial over what it said about partner credit protection. Green Dot will require identity verification before Apple Cash reloads starting November 9. FinCEN wants comments by November 4 on a transfer ban. ICBA is in federal court over trust charters.

Stephen Bishop

web3 with FTC

USDT faces an EU clock as stablecoins move toward SAP and Samsung

Oct 12, 2026

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10 min read

USDT faces an EU clock as stablecoins move toward SAP and Samsung

ESMA gives EU platforms three months to wind down unauthorized stablecoins, Cantor faces a Tether records request, and USDC moves toward SAP and Samsung. Plus: tokenized stocks, bank settlement pilots, and Bitcoin and Ether fund outflows.

Tedd Huff

Stablecoin Payments: Why Banks Need a Unified Control Layer

Oct 7, 2026

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8 min read

Stablecoin Payments: Why Banks Need a Unified Control Layer

How orchestration, custody, and controls prepare banks to add new capabilities

Tedd Huff

Valley Wants Bluevine's $2.1 Billion, and Coastal Held $447 Million of It

Oct 6, 2026

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8 min read

Valley Wants Bluevine's $2.1 Billion, and Coastal Held $447 Million of It

Bluevine's deposits cost 1.44 percent against Valley's 2.28 percent, Column takes the exclusive slot inside AppFolio, Stripe buys the lender whose loans Celtic already makes, and Old Glory is at 2.69 percent against a 14 percent floor.

Stephen Bishop

Oct 5, 2026

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8 min read

A new dollar stablecoin, a MiCA split and a custody rewrite

OUSD became Stripe's default stablecoin on Tempo, while ESMA and Circle split on MiCA and banks sued the OCC.

Tedd Huff

Payments, bank deposits and crypto custody: what changed

Sep 29, 2026

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5 min read

Payments, bank deposits and crypto custody: what changed

SoFi starts settlement, the Fed proposes rules and Bitget reports $387.5M affected; Bitcoin ETFs record inflows.

Tedd Huff

The OCC Letter Names Mission Lane's Exit Timetable

Sep 28, 2026

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9 min read

The OCC Letter Names Mission Lane's Exit Timetable

The Bancorp is still down 21.7 percent two weeks on, digital-asset firms choose narrower charters, Core Bank moves into dealership software, and a creditor who paid one dollar for its claim asks Delaware to appoint a receiver over Synapse.

Stephen Bishop

web3 with FTC

CLARITY failed. Stablecoin rules got harder to avoid.

Sep 23, 2026

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6 min read

CLARITY failed. Stablecoin rules got harder to avoid.

The Senate vote failed 49-50, then Circle launched Arc with USDC as its gas and settlement asset.

Tedd Huff

The FDIC Proposes More Reach for State Banks While Enova Pulls Its Bank Applications

Sep 22, 2026

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9 min read

The FDIC Proposes More Reach for State Banks While Enova Pulls Its Bank Applications

Avant applies for a national bank, Quill adds acquiring, a credit union enters the sponsor conversation, and Lineage changes its name with an FDIC order still attached.

Stephen Bishop

...

The FDIC Studies the Agent. Sezzle Applies to Be the Bank.

The OCC just set the clock: stablecoin issuers have until Jan 18, 2027

BANKER WARNING: Here Comes the Run

Bank of America’s Tests Found the Problem. The OCC Sent a $750 Million Bill.

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Archive

Amex Gets a $350 Million Penalty for Watching the Wrong Book

USDT faces an EU clock as stablecoins move toward SAP and Samsung

Stablecoin Payments: Why Banks Need a Unified Control Layer

Valley Wants Bluevine's $2.1 Billion, and Coastal Held $447 Million of It

A new dollar stablecoin, a MiCA split and a custody rewrite

Payments, bank deposits and crypto custody: what changed

The OCC Letter Names Mission Lane's Exit Timetable

CLARITY failed. Stablecoin rules got harder to avoid.

The FDIC Proposes More Reach for State Banks While Enova Pulls Its Bank Applications

Fintech Confidential

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