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| Bank Economists: Credit Outlook Improves Amid Continued Softening |
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| | While the outlook for credit conditions over the next six months has improved, bank economists expect continued softening in credit quality and availability given the prospect of persistent labor market headwinds, according to the American Bankers Association’s latest Credit Conditions Index. |
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| | | “The outlook for credit conditions, while muted, has improved as uncertainty regarding inflation and trade policy has eased,” said ABA Chief Economist Sayee Srinivasan. “At the same time, elevated inflation and slower job growth has weighed on consumer finances, which presents challenges for credit conditions in the near term.” |
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| | Last call! Sign up by Friday, December 12, to catch the early bird discount. |
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| | Bank Supervision and Regulation Report |
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| | The U.S. banking system continues to maintain strong capital and liquidity levels while maintaining strong profitability and healthy loan growth, leaving banks well-positioned to support a growing economy, the Federal Reserve said in its most recent Supervision and Regulation Report. | | Aggregate loan growth across commercial banks was strong in the first half of 2025 reaching over 5 percent on an annual basis in the second quarter. Most major loan categories also experienced declines in delinquency rates. |
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| | Repeal of Leveraged Lending Guidance |
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| | The FDIC and the OCC have rescinded the Interagency Guidance on Leveraged Lending, dated March 21, 2013, and the Frequently Asked Questions for Implementing March 2013 Interagency Guidance on Leveraged Lending, dated November 7, 2014. In place of these issuances, banks should apply the agencies’ general principles for prudent risk management of commercial loans and other types of lending to their leveraged lending activities. The announcement includes eight general principles that banks should consider. |
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| Upcoming Training and Events |
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| 2025 NC BankPAC - Did You Make the Honor Roll? |
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| | For more than 30 years, NC BankPAC has ensured that banking’s voice is heard by supporting candidates who understand our industry and share our policy objectives. The 2025 NC BankPAC Honor Roll recognizes bankers and businesses whose generous contributions keep our industry strong. |
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| Bankers Gather for a Preview of the 2026 Legislative Session |
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| | NCBA members gathered on December 11 at the Carolina Country Club for an important luncheon focused on the 2026 Session of the North Carolina General Assembly. | | We were pleased to welcome Senator Dave Craven, Co-Chairman of the Senate Finance Committee and a banker by profession, as well as Senate President Pro Tempore Phil Berger. |
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| | | | Thank you to the NCBA members who joined us for this timely opportunity to hear directly from legislative leaders about the priorities and policy discussions that will influence North Carolina’s banking and business landscape in 2026! |
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| Federal Legislative & Regulatory Update |
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| Lawmakers Urge Treasury to Release Guidance |
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| | House Financial Services Committee Ranking Member Maxine Waters (D-CA) and Senate Banking Committee Ranking Member Elizabeth Warren (D-MA) have sent a letter to Treasury Secretary Scott Bessent, Fed Chairman Jerome Powell, and U.S. Mint Acting Director Kristie McNally, urging them to provide immediate guidance about the current penny shortage. |
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 | Left: Sen. Maxine Waters
Right: Sen. Elizabeth Warren |
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| | Build Strong Leaders. Strengthen Teams. Advance Your Career. |
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| Potential Changes to Fed Check Services |
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| | The Federal Reserve is seeking public input on potential changes to the check services it provides to banks with varying effects on the level of check services offered and their costs. |
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| | | Source: federalreserve.gov |
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| Implications of Tenth Circuit Case |
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| | Comptroller of the Currency Jonathan V. Gould has issued a statement following the decision by the U.S. Court of Appeals for the Tenth Circuit in National Association of Industrial Bankers v. Weiser. |
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 | | Comptroller of the Currency Jonathan V. Gould |
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 | REGISTER TODAY!
March 3-4, 2026 | UNC Charlotte Marriott |
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| Regulator Transparency Bill |
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| Crypto-Asset Transactions |
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| | The OCC has published Interpretive Letter 1188 confirming that a national bank may engage in riskless principal crypto-asset transactions as part of the business of banking. |
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| | The final countdown is here—but there’s still time to make holiday magic happen. UPS is ready to help you finish strong with fast, reliable delivery and smart shipping solutions. Review the 2025 UPS Year-End Holiday Schedule to ensure your packages arrive on time. |
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| | Discover the advantages our UPS savings program has to offer, just like many of our satisfied members. Save 65% on domestic UPS® Next Day and 42% on UPS® Ground. No code needed! Take advantage of incredible savings today by signing up for a new account or enrolling your existing one to access exclusive new member savings incentives! |
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| | The FBI has issued a consumer alert about cyber criminals impersonating financial institutions to steal money or engage in account takeover schemes. It describes how the fraud works and what steps consumers should take to protect themselves or to report an incident. |
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| | After analyzing BSA reports over a three-year period starting in 2022, FinCEN released a report that found more than $2.1 billion in ransomware payments were made. During the previous nine-year period, there were approximately $2.4 billion in ransomware payments. |
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| Need Credits? Earn CRCM, CPE, SHRM and More! |
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| | Looking to skill up? For a limited time, North Carolina Bankers Association is making it easier than ever to invest in your professional growth. Sign up for one of the upcoming webinars from our partnered providers: |
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| North State Bank Expands Treasury Team With Addition of Laura Hawkins |
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| | North State Bank is enhancing its business banking outreach, adding local industry heavyweight Laura Hawkins as Senior Vice President and Treasury Sales Officer, announced Amanda Lloyd, Executive Vice President and Chief People Officer. Hawkins will work with customers and prospects to understand their cash flow, liquidity, and payment processing needs and will help them leverage treasury solutions to best accomplish their goals. |
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 | | Laura Hawkins, North State Bank |
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| | | Source: ncbankers.org (PDF) |
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| NC Bankers Association | 3601 Haworth Drive | Raleigh | NC | 27609 | US |
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| | If you no longer want to receive emails regarding the NCBankers Bulletin, please profile. |
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