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North America

Fintech reporting from North America. Stories across banking, payments, infrastructure, capital and policy that touch this region.

048 STORIES PUBLISHED · UPDATED DAILY

Analysis NORTH AMERICA · 8 MIN READ · 4 NOV 2026

OCC GENIUS Act Final Rule: What Changes for Stablecoin Issuers

The OCC GENIUS Act final rule, effective 18 January 2027, drops the stablecoin yield presumption and sets a 5% daily liquidity floor for issuers.

Explainer NORTH AMERICA

National Trust Bank Charters: Why Ramp and Ripple Want One

3 NOV 2026

Explainer NORTH AMERICA

Visa Mastercard Interchange Settlement: What Changes for Merchants

2 NOV 2026

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48 STORIES

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News NORTH AMERICA

Why Medical Debt Still Shows Up on Most Americans’ Credit Reports

A federal medical-debt credit-report ban was vacated in 2025, and a Texas court has now struck down the state's own version too.

26 OCT 2026

Analysis NORTH AMERICA

Cash Flow Underwriting Is Changing Who Qualifies for Credit

Experian's new Cashflow Data Bureau adds bank data to credit scoring, as cash flow underwriting spreads from fintech to mainstream US lenders.

23 OCT 2026

Explainer NORTH AMERICA

Suspicious Activity Reports Explained: What Triggers a SAR at US Banks

A suspicious activity report is triggered by a $5,000 threshold and a 30-day clock, not a hunch, and FinCEN now wants banks filing fewer low-value SARs.

22 OCT 2026

News NORTH AMERICA

Circle’s IPO and the New Wall Street Playbook for Stablecoins

Sixteen months after its IPO, Circle has a federal trust charter from the OCC, while the GENIUS Act's own stablecoin rules remain in draft.

21 OCT 2026

News NORTH AMERICA

Chime’s Next Test After Its IPO: Buying the Bank Behind It

Sixteen months after its Chime IPO, the company has agreed to buy its bank partner Stride for $590m, reshaping its neobank model.

19 OCT 2026

Analysis NORTH AMERICA

Embedded Lending Is Becoming America’s Quiet Credit Shift

Stripe is buying embedded lending platform Parafin, whose credit tools power DoorDash, Gusto and Tekion, as bank small-business lending slows.

15 OCT 2026

Explainer NORTH AMERICA

ISO 20022 Migration Explained: What US Banks Still Need to Fix

Fedwire's ISO 20022 switch is complete and CHIPS already supports it. Here is what changed, and what US banks still need to fix to use the data.

14 OCT 2026

Analysis NORTH AMERICA

Money Transmitter Licensing Still Slows Fintech’s US Expansion

State money transmitter licensing remains the main US market-entry barrier for fintechs, with costs and timelines that vary widely by state.

13 OCT 2026

Analysis NORTH AMERICA

Digital Identity Verification Becomes Banks’ New Fraud Battleground

FinCEN now lets banks accept digital IDs for onboarding, just as a 2024 deepfake fraud alert and new bank data show why one check is not enough.

10 OCT 2026

Analysis NORTH AMERICA

AI Underwriting Is Reshaping US Consumer Lending Risk

US lenders keep expanding AI underwriting as a CFPB rule drops the disparate-impact test used to challenge automated credit decisions.

9 OCT 2026

Analysis NORTH AMERICA

AI Model Risk Management Rules for US Banks Just Got Narrower

The Fed, OCC and FDIC replaced 2011's SR 11-7 with narrower AI model risk management rules in April 2026, exempting generative and agentic AI models.

7 OCT 2026

News NORTH AMERICA

BNPL Is About to Show Up on US Credit Scores

FICO built two credit scores for BNPL loans in 2025, but Affirm, Klarna and Equifax still disagree on reporting data to bureaus at scale.

6 OCT 2026