Pressure to keep more capital puts constraints on banks, says Laurie Stewart of Sound Community in Seattle.

Moody’s downgraded the credit ratings of several regional banks this week, citing rising costs and the troubled commercial real estate sector.

Technology that can cause banks to fail overnight could force the Federal Reserve to upgrade its infrastructure, while continuing basic regulation to prevent failures from occurring in the first place.

They’ve been operating under more scrutiny from the federal government and trying to manage the Federal Reserve’s higher interest rates.

There are multiple congressional hearings underway today to take a look back at what happened with the failures of Silicon Valley Bank and Signature Bank earlier this year. In the Senate, we’re hearing from former executives of those banks. In the House of Representatives, the Federal Reserve’s top banking watchdog and other regulators are speaking. Also today: we have the latest data on retail sales. How are consumers holding up? And lastly, why you might be paying more for flood insurance.

Hedge funds and private equity loans might lend like banks, but they’re not regulated like them.

The agency wants the country’s largest banks to split the cost of refilling its coffers. But smaller banks aren’t sure they’re in the clear.

After the Federal Deposit Insurance Corp. rescued depositors at failed banks, it’s looking to replenish its insurance fund. Plus, why tax refunds are smaller this year.

Limiting riskier, illiquid investment could make banks and the financial system more stable — but the Federal Reserve isn’t so sure.

And, more grim news.