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Kevin Stein
Feb 53 min read
What we heard at AOBA
Brian Graham, Jonah Crane, and I attended Bank Director Magazine’s aptly named (and this year equally aptly timed) "Acquire or Be...


Michele Alt
Jun 18, 20245 min read
Does BaaS have a future?
The Synapse/Evolve situation has sparked a lot of questions and speculation about the future of BaaS. There’s no question that what...


Brian Graham
May 2, 20246 min read
It’s time to close the regulatory capital loophole
According to the FDIC, bank capital is a critical foundation for a safe and sound banking system and is intended to absorb losses,...


Brian Graham
Dec 22, 20233 min read
Banks Remain Under Pressure
BY VINCE CUROTTO The relationship between changes in interest rates and bank loan and securities values is a crucial area of concern for...


Simon Gilbert
Sep 12, 20235 min read
How (and why) to read a bank’s call report
As the banking crisis continues to unfold, regulators who scrutinize banks, fintechs wondering if their banking partner is sound, and...


Kevin Stein
Aug 15, 20233 min read
Chairman Gruenberg is Swinging
BY KEVIN STEIN FDIC Chairman Marty Gruenberg’s recent speech at the Brookings Institution Center for Regulation and Markets had some...


Brian Graham
Sep 21, 20223 min read
Acting Comptroller Hsu’s speech - the tip of a new regulatory iceberg
BY BRIAN GRAHAM A lot of folks in fintech are still talking about Acting OCC Comptroller Michael Hsu’s recent speech, which among other...


Paul Marker
Sep 13, 20222 min read
CFPB Targets Digital Marketers: Practical Implications for Banks and Financial Institutions
BY STEPHANIE WHITE BOOKER AND PAUL MARKER My Klaros colleagues Lauren Sartwell and Siena Marr explained the Consumer Financial...


Brian Graham
Aug 25, 20221 min read
BaaS is the best path forward for community banks
BY VINCE CUROTTO Community banks are vital. According to the Office of the Comptroller of the Currency, “These institutions play a...


Brian Graham
Aug 1, 20222 min read
Partner Banks: Don’t be the Naked One
BY JOSHUA DIAMOND The Oracle of Omaha Warren Buffett’s famous quote, "Only when the tide goes out do you discover who's been swimming...


Tracy Basinger
Jul 25, 20223 min read
The Interagency CRA Proposal Redefines Financial Inclusion
BY TRACY BASINGER Time is getting short for bankers to submit comments on the proposed interagency revamp of the Community Reinvestment...


Brian Graham
Jun 24, 20223 min read
First 100 Days at Klaros: Looking at Risk and Compliance from an Operational Perspective
BY POORANI JEYASEKAR Despite almost 20 years working on the operational side of financial services, I stick out like a sore thumb at...


Jonah Crane
Apr 12, 20224 min read
Klaros Insights: FDIC Adds Regulatory Checkpoint for Banks to Offer Crypto
By Jonah Crane and Patrick Haggerty Last week, the FDIC issued new guidance instructing all FDIC-supervised institutions to notify their...

Brian Graham
Mar 23, 20223 min read
Klaros Insights: Trends in New Bank Charter Applications (2017-2021)
By Andreas Westgaard, Michele Alt, and Gabriel Yeung At Klaros, we’re in the bank design business. Our partners and staff work with a...


Jonah Crane
Mar 8, 20224 min read
Klaros Insights: Fed Proposes Tiered Approach to Master Account Applications
By Jonah Crane and Patrick Haggerty Last week, the Federal Reserve Board (Board) issued a supplement to its proposed guidelines for...

Konrad Alt
Dec 23, 20211 min read
Klaros Group Kudos
On Tuesday, Dec. 21, LendIt fintech announced finalists for the 5th annual LendIt Fintech Industry Awards to celebrate the top fintech...


Tracy Basinger
Nov 22, 20212 min read
Prepare Now for Climate Risk Supervision
The drumbeat signaling the advent of climate risk supervision just got louder - and while final supervisory guidance is still likely some...
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