Fair-Lending Overhaul (US): The Trump administration, via the OCC and FDIC, has proposed major Community Reinvestment Act rule changes, aiming to reduce the number of banks fully subject to compliance while tightening how “community development” grants are shown to benefit targeted areas. Deposit Pricing Rules (India): The RBI will let banks offer differential interest on bulk deposits from Oct. 1, tied to liquidity risk under the LCR framework, while keeping uniform rates for similarly placed depositors and adding more disclosure. Crypto Regulation Push (US): Circle secured a limited-purpose trust charter from NYDFS for Circle New York Trust, adding state oversight for USDC-related custody/asset services after its federal trust-bank approval. Crypto Consumer Crackdown (US): New York sued prediction-market Kalshi, arguing it operates sports/event wagering without a gaming license. Mortgage Cooling (US): Mortgage applications fell 6.4% for the week ending July 24 as higher rates hit both purchases and refinancing. Banking Cyber/Crime (India): Police in Khammam arrested a gang that made fake gold, pledged it to banks/finance firms for loans, and defrauded a Hyderabad gold buyer. Banking Tech (UK): Lloyds says AI will support every customer interaction by 2030 as it targets further cost cuts and productivity gains. Private Banking (UK/France): NatWest’s private banking/wealth arm lifted operating profit on Evelyn Partners momentum, while Societe Generale reported stronger private banking inflows and AuM growth.