Bank Policy Institute

New to bank policy?

BPI's desk guide gives you at-a-glance info on who the prudential regulators are, what they oversee, and who leads them:

Desk Guide to Federal Banking Regulators - Bank Policy Institute Desk Guide to Federal Banking Regulators Desk Guide to Federal Banking Regulators The U.S. banking regulatory structure is immensely complex, shaped by The U.S. banking regulatory structure is immensely complex, shaped by the country’s political and economic history, and has often been the target ...

$20.9 billion lost to online fraud in 2025. And that's only what was reported.

Behind every dollar: a parent, a retiree, a small business owner. Paying the price for inaction by social media and telecom platforms.

The path forward starts here: https://usagainstfraud.com/

Big welcome to our 2026 summer interns, Angel Smith (IT) and Noah Hrung (Communications)! 👋

Angel is so dedicated to cats that she hasn’t let a lifelong allergy stop her from owning them. Noah enjoys dance and exploring local bookstores in his free time

We’re thrilled to have them on board for the summer!

In this weekend's BPInsights:

➡️ BPI joins banking and business trades in comments on Basel proposal.
➡️ How policymakers can close illicit finance loopholes in the Clarity Act.
➡️ Scams reach alarming heights in the UK.

and more.

BPInsights: June 19, 2026 - Bank Policy Institute Reduce Overlaps, Prevent Uncertainty: Basel Comments Roundup On Thursday, BPI filed (or co-signed) three comment letters in response to pending capital

1 in 5 Americans has lost money to an online scam.

One increasingly common example: a scammer who impersonates a government “helper” and demands funds to protect the victim.

Not all charters are created equal — and not all come with the oversight or consumer protections you might expect.

See how full-service, trust company and ILC charters compare:

Not All Charters Are Created Equal: Full-Service Banks, Trust Companies and ILCs Explained - Bank Policy Institute Bank charters are in vogue. As more companies pursue banking charters, it is important to understand that a bank charter is not one-size-fits-all.

ICYMI in BPInsights:

➡️ Four flaws in the GENIUS Act stablecoin framework that put consumers at risk.
➡️ What’s next for Basel?
➡️ Why an effective illicit finance framework is essential.

and more.

BPInsights: June 13, 2026 - Bank Policy Institute House of Straw: Four Sources of Stablecoin Instability The GENIUS Act, a law to create a framework for stablecoins, leaves major cracks in the regulatory

Today is World Elder Abuse Awareness Day, and BPI is spotlighting the Elder Justice Coordinating Council’s Never EVER campaign to expose how sophisticated criminal enterprises impersonate trusted institutions.

Learn how to spot the signs of an imposter scam so you can avoid them: ejcc.acl.gov/imposters

This evening, FinCEN issued guidance to help financial institutions eliminate fraud through information sharing.

Read BPI's statement:

BPI Statement on FinCEN Guidance to Help Financial Institutions Eliminate Fraud Through Information Sharing - Bank Policy Institute Washington, D.C. – This evening, FinCEN issued guidance to help financial institutions eliminate fraud through information sharing. BPI issued the