10/21/26
The Office of the Comptroller of the Currency (OCC) has finalized regulations implementing the GENIUS Act, establishing a federal regulatory framework for payment stablecoin issuers. While the final rule represents an important step toward providing regulatory clarity and establishing safeguards for the emerging stablecoin market, the Ohio Bankers League (OBL) is disappointed that the OCC has removed key provisions intended to prevent stablecoin issuers from circumventing the law's prohibition on paying interest or yield.
10/14/26
The OBL has joined 45 state bankers associations in urging federal banking regulators to preserve the core framework of the Community Reinvestment Act (CRA) while making targeted changes to improve regulatory clarity, better tailor examinations and reduce unnecessary compliance burdens.
10/07/26
Formed by state bankers associations representing thousands of financial institutions nationwide, BankChain Alliance is creating an industry-owned, industry-designed, and industry-governed tokenized deposit network and is now offering inaugural membership to U.S. Banks. Membership gives your bank the opportunity to engage early, help shape the roadmap, and participate in the governance and working groups that will guide the Alliance's next phase.
10/07/26
Ohio entered a new era of commercial law on October 6, when House Bill 195 took effect. The legislation updates Ohio’s Uniform Commercial Code to address digital assets and other forms of electronic commerce that did not fit neatly within rules written for traditional property and paper-based transactions.
09/30/26
The Ohio Bankers League has filed a comment letter supporting the Federal Reserve’s proposed reforms to mutual capital certificates and dividend waivers, two areas where OBL has advocated for greater flexibility for years. With Ohio home to the second-largest number of mutual institutions in the country, these changes carry particular importance for our banking industry and the communities it serves.
09/30/26
OBL filed an amicus brief with the Supreme Court of Ohio on September 29 in Klopfenstein v. Fifth Third Bank, urging the Court to preserve Ohio’s longstanding voluntary payment doctrine. The Community Bankers Association of Ohio (CBAO) and the American Bankers Association (ABA) joined OBL in supporting the industry.
09/23/26
The FDIC has proposed a comprehensive overhaul of its bank merger review process aimed at providing greater certainty, reducing regulatory burden, and modernizing how the agency evaluates competition and community impact. For Ohio banks, the proposal offers the prospect of more predictable decisions and streamlined applications, while also addressing concerns OBL has raised about credit unions purchasing banks.
09/16/26
The Senate yesterday failed to advance the CLARITY Act, with cloture on the motion to proceed falling short by a vote of 49–50, below the 60 votes required. All Democrats present voted against advancing the bill, joined by four Republicans: Susan Collins (Maine), Josh Hawley (Missouri), Jerry Moran (Kansas) and Thom Tillis (North Carolina). Tillis switched his vote to “no” as a procedural step to preserve the ability to seek reconsideration. The result stalls the digital asset legislation and leaves its path forward uncertain.
09/16/26
Stadium naming rights are not, by themselves, the issue. What they reveal about the modern credit union business model is.
09/09/26
Is CECL making community banks safer—or simply making banking more complicated and expensive?
That’s the question Federal Reserve Vice Chair for Supervision Michelle Bowman raises in a recent Wall Street Journal opinion piece, “How to Make Life Hard for Small Banks.” Bowman argues that the Current Expected Credit Loss standard has created significant costs and complexity for smaller institutions without delivering enough additional benefit.
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