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Working with debt settlement firms is no longer a fringe recovery strategy. For many lenders, it now accounts for a meaningful portion of post-charge-off resolution—and demands infrastructure and automation that can keep up with its pace, complexity, and oversight requirements.

On October 14, the Maryland Office of Financial Regulation (OFR) issued regulatory guidance explaining three new state laws governing the collection and reporting of medical debt. The guidance clarifies how House Bills 428, 1020, and 268, all effective October 1, 2025, alter the obligations of hospitals, debt collectors, and consumer reporting agencies.

Today’s podcast features the first part of a recent webinar produced on September 3, 2025, which examined the key provisions of the Guiding and Establishing National Innovation for U.S. Stablecoins, or GENIUS, Act (the Act) and its regulatory impact on banks, Fintechs and the future of stablecoins. The discussion covers critical definitions, licensing, oversight and enforcement requirements, and the relationship to state stablecoin laws.

WASHINGTON -- The federal bank regulatory agencies today announced the withdrawal of interagency Principles for Climate-Related Financial Risk Management for Large Financial Institutions.

The agencies do not believe principles for managing climate-related financial risk are necessary because the agencies’ existing safety and soundness standards require all supervised institutions to have effective risk management commensurate with their size, complexity, and activities. In addition, all supervised institutions are expected to consider and appropriately address all material financial risks and should be resilient to a range of risks, including emerging risks.

We recently wrote about the new policy statement issued by the Securities and Exchange Commission (SEC) “that the presence of an issuer-investor mandatory arbitration provision will not impact decisions whether to accelerate the effectiveness of a registration statement under the Securities Act.” This reverses the agency’s previous position that it would not use its authority to accelerate the effective date of a company’s registration statement when the company’s governing documents contained a mandatory arbitration provision covering disputes under the federal securities laws.