April 2025

In 2023 the U.S. banking system felt like it was one tremor away from a full scale rupture. The sudden collapses of regional lenders triggered a contagion of panic across markets. Depositors fled. Liquidity facilities multiplied overnight. Regulators moved with emergency authority while the financial press tracked every balance sheet

Introduction Financial regulation often changes gradually through extended rulemaking and consultation processes. April 2025 introduced several developments that altered existing regulatory trajectories across banking supervision, capital planning, digital assets, and financial crime monitoring. During the month, federal agencies reconsidered previously adopted rules, proposed changes to supervisory frameworks, and expanded monitoring