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ABA: The American Bankers Association
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What We Stand For: A Competitive Marketplace

Ensuring bank-like rules apply to all bank-like activities to establish a level playing field and minimize regulatory distortions within the financial services market

Government oversight of the financial services sector is critical to maintaining a safe and sound banking system, but direct government intervention in banking—whether through price controls, unevenly applied subsidies or direct competition with private companies—distorts the financial services market and can create unintended consequences.

What We’re Working On

  • Ensuring fair treatment across banks of all sizes and reducing reliance on the systemic risk exemption by giving the FDIC the authority and flexibility it needs to enable timely responses during crises.

  • Scrutinizing whether credit unions are meeting their statutory mission of serving low-to-moderate income communities in a robust, demonstrable way that justifies their preferential tax treatment.

  • Bringing stablecoins inside the banking regulatory perimeter and requiring equivalent capital, liquidity and consumer protection standards across all stablecoin providers.

  • Protecting banks’ freedom to make their own lending, investing and other business decisions by defending the dual banking system, a pillar of economic strength that spurs innovation and enables banks to serve every market in the United States. 

 

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Find the latest regulatory comment letters, policy positions, research and news on the issues shaping the banking industry.

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