Savings Your Bank's Next Federal Exam Just Moved Six Months Further Out. Only Your Uninsured Money Cares.
Three federal banking agencies raised the cutoff for an 18-month on-site exam cycle from $3 billion in assets to $6 billion, effective September 14. About 188 more institutions qualify, bringing the total to 4,016. Your insured deposits are untouched. Here is the ten-minute check for the part of your balance that is not.
More this week
Loans
A Cloned Dealership Site Takes Your Deposit. The Only Thing That Saves You Is How You Paid.
Education
Your $2,500 College Credit Stops at $4,000 of Bills. Check What You've Paid Before You Prepay Spring.
Mortgages
Your Escrow Analysis Is Coming. It Bills This Year's Insurance Increase Twice.
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Reading picks
Credit Cards
Your Fidelity Card Stops Covering Your Purchases on January 1. Nobody Has to Mail You a Notice.
Purchase Security and Lost Luggage Reimbursement end on the Fidelity Rewards Visa Signature on January 1, 2027. The announcement is one sentence on page 2 of a 19-page PDF, and the 45-day notice rule does not cover perks. Here is what you lose and the call to make before December.
Mortgages
That Postcard From a Company You've Never Heard Of Is Worth About $75. You Have Until November 6.
SitusAMC processes mortgage files for the biggest banks in the country. Its November 2025 breach exposed Social Security numbers, and the $5.3 million settlement pays about $75 with no proof required. Claims close November 6, 2026.
Money & Life
Your Health Insurer Quit. If You Do Nothing by December 15, the Marketplace Picks Your Next One.
At least a dozen insurers are leaving the ACA Marketplace after 2026, across more than 20 states. If your company is one of them and you take no action, HealthCare.gov re-enrolls you with a different insurer. New network, new drug list, new deductible. Here is the calendar.
Loans
A Car Loan Is the Easiest Yes Since 2015. The Rate Didn't Move.
Auto credit access hit its highest level since November 2015 in August, and roughly three of four applications now get approved. Look at how that yes got built: a record 31.3% of loans now run past 72 months while the spread lenders charge over Treasuries actually widened. Approval is not a price quote, and the gap between credit tiers on the same used car is about $7,200.
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