Demographic trends shaping the U.S. banking outlook
Release Date: 07/30/2025
Understanding bank regulators’ guidance on illegal immigration
ABA Banking Journal Podcast
On the latest episode of the ABA Banking Journal Podcast, ABA’s Heather Trew breaks down recent news about the president’s on illegal immigration and the financial system and the from the Financial Crimes Enforcement Network, the OCC, the FDIC and others on red flags associated with illegal immigration. Trew covers: An overview of the executive order and advisory Financial typologies of suspicious activity linked to illegal immigration that FinCEN has identified — for individual consumers, small businesses and large businesses Scrutiny on the use of individual taxpayer identification...
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Creating a feeling of welcome . . . for customers and new bankers
ABA Banking Journal Podcast
On the latest episode of the ABA Banking Journal Podcast — presented by — Texas banker Ryan Coaxum joins the show to discuss how he was welcomed into the banking community as an employee, and how he tries to bring that same feeling of welcome to the people he serves in his job as head of community development and external affairs at Moody Bank. “You want to feel wanted, you want to feel like what you are doing, no matter what scale you’re on, that it is important to them. And that’s what I’m trying to get out, specifically in communities that are underserved or underbanked,”...
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How consumer deposits drive full relationship banking
ABA Banking Journal Podcast
In an environment with higher-yielding options, how can banks compete for effectively for deposits? On the latest episode of the ABA Banking Journal Podcast — presented by — Marc Womack, who leads the U.S. consumer deposits franchise at TD Bank, discusses his approach to maximizing data, customizing deposit offerings, developing valuable product bundles and using both physical and digital touchpoints to meet consumer needs. “There is a lot of money in movement and people are looking to optimize yield, but they’re balancing that with their overall financial goals and are not just...
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How an Ohio banker talks with policymakers about stablecoin issues
ABA Banking Journal Podcast
As a community bank president and past chair of the Ohio Bankers League, Jenny Saunders has been part of many conversations with top policymakers on bank issues. On the latest episode of the ABA Banking Journal Podcast — presented by — Saunders, who recently retired as president of FCBank, discusses how she discussed stablecoin and cryptocurrency issues with members of Congress. “If there’s something that you don’t necessarily agree with, then what’s the solution?” Saunders encourages bankers to think through how to describe alternatives, as well as unintentional consequences of...
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Tech transformation and AI to power bank growth
ABA Banking Journal Podcast
Over the past two decades, Pennsylvania-based F.N.B. Corporation has grown its assets from roughly $5.4 billion to $50 billion, grown its net operating income by a similar ratio and more than doubled its retail footprint. On the latest episode of the ABA Banking Journal Podcast — presented by — Chairman, President and CEO Vincent Delie discusses his approach to growing the franchise and how F.N.B. is investing in its employees’ capabilities. Among other topics, Delie discusses: F.N.B.’s balance of organic growth and M&A and the role of culture in this growth. The bank’s...
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ABA’s ecosystem strategy to tackle fraud
ABA Banking Journal Podcast
On the latest episode of the ABA Banking Journal Podcast — a crossover episode with the — ABA’s Rob Nichols and Paul Benda provide several updates on ABA’s work to reduce the incidence and cost of fraud for bank customers. Among other topics, they highlight: Their recent participation in the United Nations and Interpol . “One of the key messages that I heard loud and clear is the need for there to be a whole ecosystem approach,” said Nichols. “It can’t just be banks protecting their customers and their clients. . . . We have to get these other industrial sectors to really...
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Capitalizing on opportunities to serve high-net-worth clients
ABA Banking Journal Podcast
Several factors — the growth of the U.S. economy and asset prices, generational transitions and changing values — are reshaping the wealth management and financial advice sectors. More individuals and families are falling into the high-net-worth (investable assets of over $3 million) and ultra-high-net-worth (assets of over $30 million) than ever before. How are banks positioned to capitalize on this evolving marketplace? On the latest episode of the ABA Banking Journal Podcast, ABA’s Mark Benskin — a veteran of the wealth management sector with experience at several banks —...
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Are credit union commercial loans risky business?
ABA Banking Journal Podcast
In recent years, credit union business lending and the number of credit unions that exceed the statutory cap on member business lending have shot up sharply. What risks do these trends pose to safety and soundness and financial stability? On the latest episode of the ABA Banking Journal Podcast, ABA’s Dan Brown and John Vermillion discuss on the subject. Not only does outsized credit union commercial activity steers these not-for-profit cooperatives away from their statutory mission, it also increases their exposure to an asset class where they — and their regulator — have traditionally...
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Risk and strategy in sponsor banking
ABA Banking Journal Podcast
Sponsor banking, or banking as a service, is a unique opportunity for banks — but it requires strategy, discipline and a laser focus on risk. On the latest episode of the ABA Banking Journal Podcast, Amanda Swoverland, president of Hatch Bank, discusses her bank’s strategy in BaaS. Among other topics, Swoverland talks about: Hatch Bank’s evolution as a sponsor bank focused on embedded lending and card issuance. How boards of directors and bank management teams can evaluate strategy for sponsor banking. The importance and scope of due diligence with fintech partners. A recently announced...
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From stablecoin to fraud, top takeaways from the 2026 ABA Summit
ABA Banking Journal Podcast
On the latest episode of the ABA Banking Journal Podcast, Rob Nichols offers his top takeaways from the — including industry unity on stablecoin regulation, credit card policy challenges, federal preemption, and bipartisan legislation on fraud. Nichols also previews his upcoming travel to Vienna for the . .
info_outlineThe U.S. is experiencing a massive demographic shift driven by the aging Baby Boom generation, declining birth rates and shifts in immigration trends. What effect will aging have on the banking outlook? In the season finale of the ABA Banking Journal Podcast, ABA economist JP Rothenberg discusses how America’s aging population:
- Shifts balance sheet management strategies with a surplus of stable deposits by weaker localized loan demand.
- May increasingly push banks into new markets to drive loan growth, which further accelerates consolidation.
- Magnifies credit risk during downturns in the tail of the risk profile
- Increases opportunities for personalized wealth management solutions and expands the growth prospects of senior-serving business sectors.