IntraFi

How will the nomination of a new CFPB Director, Brian Johnson, change the course of the agency? Alan Kaplinsky, senior counsel at Ballard Spahr LLP and author of the Consumer Finance Monitor blog, discusses how Johnson may differ from his predecessor and what it will mean for banks. https://ow.ly/J6s450ZtRM5

This quarter, we asked bank executives a series of questions about the Federal Reserve, including monetary policy, communications, and potential changes to how the central bank operates. See what they had to say in American Banker's coverage of the latest IntraFi Bank Executive Business Outlook Survey. https://lnkd.in/en7TDZqm

When does the new reciprocal deposit law take effect? The three little words you’ve been waiting to hear: 𝗜𝘁 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗵𝗮𝘀. The 21st Century ROAD to Housing Act lets banks treat more of their reciprocal deposits as nonbrokered and that change took effect the day it was enacted: July 11, 2026. As was the case with the original 2018 law, you don’t need to wait for the FDIC's regulations and Call Report instructions to change; 𝘆𝗼𝘂 𝗰𝗮𝗻 𝘂𝘀𝗲 𝘁𝗵𝗲 𝗻𝗲𝘄 𝗹𝗶𝗺𝗶𝘁𝘀 𝘁𝗼𝗱𝗮𝘆. Under long-established principles of federal law, a statute takes effect upon enactment unless Congress provides otherwise. In this case, Congress did not include a delayed effective date or a contingency for FDIC rulemaking. Some provisions of the 21st Century ROAD to Housing Act do require rulemaking or other implementation measures before they become operational. 𝗧𝗵𝗲 𝗿𝗲𝗰𝗶𝗽𝗿𝗼𝗰𝗮𝗹 𝗱𝗲𝗽𝗼𝘀𝗶𝘁𝘀 𝗽𝗿𝗼𝘃𝗶𝘀𝗶𝗼𝗻 𝗱𝗼𝗲𝘀 𝗻𝗼𝘁. See how the new law works for your bank: https://lnkd.in/e_sdCX2B

We're looking forward to talking with bankers at the 𝗪𝗩𝗕𝗮𝗻𝗸𝗲𝗿𝘀 𝗔𝗻𝗻𝘂𝗮𝗹 𝗖𝗼𝗻𝘃𝗲𝗻𝘁𝗶𝗼𝗻 about how they can benefit from the new reciprocal deposit legislation. If you attend, don't miss our July 28 breakout session, "Use of Reciprocal Deposits as a Growth Engine and Balance Sheet Management Tool," with IntraFi Managing Director Erich Buckenmaier. #WVBankers #CommunityBanking

𝗪𝗵𝗮𝘁 𝗰𝗼𝘂𝗹𝗱 ~$𝟯𝟬𝟬 𝗯𝗶𝗹𝗹𝗶𝗼𝗻 𝗶𝗻 𝗮𝗱𝗱𝗶𝘁𝗶𝗼𝗻𝗮𝗹 𝗧𝗶𝗲𝗿 𝟭 𝗰𝗮𝗽𝗶𝘁𝗮𝗹 𝗺𝗲𝗮𝗻 𝗳𝗼𝗿 𝗱𝗲𝗽𝗼𝘀𝗶𝘁 𝗰𝗼𝗺𝗽𝗲𝘁𝗶𝘁𝗶𝗼𝗻? Most commentary has focused on lending, asset-mix, and implications for broader financial stability. We take a closer look at what these capital changes could mean for deposits. Get the details: https://lnkd.in/eaK8St8r

Great to have Lindsey Johnson, CEO of the Consumer Bankers Association, back on the pod to talk affordability, the fight over credit card fees, crypto battles, AI, fraud and much more. Very insightful conversation with her, as always. Check it out below! Apple: https://lnkd.in/eVXJw78f Spotify: https://lnkd.in/ec-cp_v3

𝗪𝗵𝗮𝘁 𝗱𝗼𝗲𝘀 𝗴𝗿𝗲𝗮𝘁 𝘀𝘂𝗽𝗽𝗼𝗿𝘁 𝗹𝗼𝗼𝗸𝘀 𝗹𝗶𝗸𝗲 𝘄𝗵𝗲𝗻 𝗱𝗲𝗽𝗼𝘀𝗶𝘁𝘀 𝗮𝗿𝗲 𝗺𝗶𝘀𝘀𝗶𝗼𝗻-𝗰𝗿𝗶𝘁𝗶𝗰𝗮𝗹? IntraFi Vice President of Client Services Bryan Wideman knows firsthand, having worked in IntraFi's Client Services organization for 17 years and through three financial crises. See what Bryan says about delivering exceptional service when banks need it most.

Lindsey Johnson, president and CEO of the Consumer Bankers Association, talks about why affordability concerns are putting renewed political pressure on banks over credit card rates, overdraft and late fees. She also tackles the future of the CFPB, open banking, crypto legislation, agentic AI, and why she’s optimistic in the fight against fraud. https://ow.ly/jN8550ZqLfI

Banking leaders are talking about the new reciprocal deposit law. In American Banker, Christopher Williston VI, CAE, President and CEO of the Independent Bankers Association of Texas, highlighted the value of knowing additional liquidity capacity is available when it's needed. With the highest per-depositor, per-bank deposit placement capacity in the industry, IntraFi is poised to help banks make the most of the new legislation. Learn more: https://lnkd.in/e_sdCX2B

𝗡𝗲𝘄 𝗟𝗮𝘄 𝗨𝗻𝗱𝗲𝗿𝘀𝗰𝗼𝗿𝗲𝘀 𝘁𝗵𝗲 𝗩𝗮𝗹𝘂𝗲 𝗼𝗳 𝗥𝗲𝗰𝗶𝗽𝗿𝗼𝗰𝗮𝗹 𝗗𝗲𝗽𝗼𝘀𝗶𝘁𝘀 𝗳𝗼𝗿 𝗕𝗮𝗻𝗸𝘀 𝗮𝗻𝗱 𝗖𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝗶𝗲𝘀 Watch this ~1 minute overview of what’s changed and how banks can now count significantly more reciprocal deposits as nonbrokered.