The (https://www.cnbc.com/2026/07/02/lawmakers-approved-bipartisan-bill-to-battle-fraud-among-older-adults.html) just passed with bipartisan support — targeting fraud against seniors. For banks, this is regulatory tail risk disguised as consumer protection. Compliance costs spike, deposit dynamics shift as trust laws tighten, and the consumer lending narrative flips from 'booming' to 'litigated.' Watch Q3 10-Qs for accruals on legal reserves.

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