Robert Maddox Quoted in S&P Global on Regulatory Relief for U.S. Banks in 2026

Bradley attorney Robert Maddox was quoted in S&P Global discussing how regulation and supervision will work in practice, not just what the rules say on paper.

Banks could once again face pressure to show they are not unfairly cutting off services to certain customers or industries. Although the original rule never went into effect, regulators may revive the same concept in a new form. “I definitely think the fair access rule as a concept is back on the table, even though the rule in '21 never took,” Maddox explained.

Staffing cuts at federal bank regulators could have a significant impact on banks. Both bank and credit union regulators reduced staff in 2025, primarily through deferred resignation programs or early retirements.

“I don't think any of the regulators are going to say that that is going to slow their response time, but the reality is you only have so many resources with which to work,” Maddox said. “They're also not going to say that it's weakening supervision.”

Maddox said that with fewer staff, regulators will likely conduct more remote exams.

The full article, “Lighter capital rules, higher asset thresholds top regulators’ 2026 agenda,” was published by S&P Global on Dec. 29, 2025.