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data-image-size="squareMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/be464e2/2147483647/strip/true/crop/500x500+0+0/resize/200x200!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fb4%2F26%2F0a686b80446dafce18a5aad5b4e7%2Fheltman-john-500x500.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/6c8b2b6/2147483647/strip/true/crop/500x500+0+0/resize/400x400!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fb4%2F26%2F0a686b80446dafce18a5aad5b4e7%2Fheltman-john-500x500.jpg 2x"/><source width="200" height="200" data-image-size="squareMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/c1492ce/2147483647/strip/true/crop/500x500+0+0/resize/200x200!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fb4%2F26%2F0a686b80446dafce18a5aad5b4e7%2Fheltman-john-500x500.jpg"/><img class="Image" data-image-size="squareMedium" alt="John Heltman" srcset="https://arizent.brightspotcdn.com/dims4/default/c1492ce/2147483647/strip/true/crop/500x500+0+0/resize/200x200!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fb4%2F26%2F0a686b80446dafce18a5aad5b4e7%2Fheltman-john-500x500.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/6ad5773/2147483647/strip/true/crop/500x500+0+0/resize/400x400!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fb4%2F26%2F0a686b80446dafce18a5aad5b4e7%2Fheltman-john-500x500.jpg 2x" width="200" height="200" src="https://arizent.brightspotcdn.com/dims4/default/c1492ce/2147483647/strip/true/crop/500x500+0+0/resize/200x200!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fb4%2F26%2F0a686b80446dafce18a5aad5b4e7%2Fheltman-john-500x500.jpg"></picture></div> <div class="AuthorPage-info"> <h1 class="AuthorPage-name">John Heltman</h1> <span class="AuthorPage-jobTitle">Washington Bureau Chief</span> <div> <div class="SocialBar"> <table> <tbody> <tr> <td> <label class="SocialBarAuthor-text">Connect with John in real-time</label> </td> <td> <div class="SocialBarAuthor"> <table> <tbody> <tr> <td> <ul class="SocialBarAuthor-items"> <li class="SocialBarAuthor-items-item" data-social-service="twitter"><a class="SocialLink" rel="noreferrer" href="https://twitter.com/JohnHeltman" target="_blank" data-social-service="twitter"><svg><use xlink:href="#mono-icon-twitter"></use></svg><span class="sr-only">twitter</span></a></li> <li class="SocialBarAuthor-items-item" data-social-service="mailto"><a class="SocialLink" rel="noreferrer" href="mailto: john.heltman@arizent.com" data-social-service="mailto"><svg><use xlink:href="#mono-icon-mailto"></use></svg><span class="sr-only">mailto</span></a></li> <li class="SocialBarAuthor-items-item" data-social-service="linkedin"><a class="SocialLink" rel="noreferrer" href="https://www.linkedin.com/in/john-heltman-84b6b4a" target="_blank" data-social-service="linkedin"><svg><use xlink:href="#mono-icon-linkedin"></use></svg><span class="sr-only">linkedin</span></a></li> </ul> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </div> </div> </div> </div> <div class="AuthorPage-fullBiography-content RichTextBody"> <p>John Heltman is the Washington Bureau Chief for American Banker. John previously edited American Banker Magazine and is the creator of American Banker's narrative podcast Bankshot. He was awarded the Grand Neal, the top honor bestowed by the Jesse H. Neal Awards, in 2019 for his narrative podcast series Nobody’s Home, which examines the economic and social impact of concentrated vacant housing. He was also named the 2019 McAllister Editorial Fellow at Medill School of Journalism at Northwestern University. He is a 2005 graduate of St. Mary’s College of Maryland and lives in Baltimore, Md.</p> </div> </article> <div class="CreativeWorkPage-contentFooter"> <ps-list-loadmore class="MediumStackedList" data-list-id="00000193-6e67-d270-abff-7eef08ee0001" data-need-query-parameters="false" data-has-required-query-parameters="false" data-add-tag-filtering="false"> <ul class="MediumStackedList-items" data-list-loadmore-items> <li class="MediumStackedList-items-item"> <div class="PromoMediumImageLeft" data-content-type="OpinionArticle" data-is-opinion data-sponsor-type=""> <div class="PromoMediumImageLeft-media"> <ps-link><a href="https://www.americanbanker.com/opinion/bank-regulators-have-concepts-of-a-plan-to-deal-with-ai" class="Link" aria-label="Bank regulators have concepts of a plan to deal with AI"><picture><source type="image/webp" width="1280" height="720" 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href="https://www.americanbanker.com/opinion/bank-regulators-have-concepts-of-a-plan-to-deal-with-ai" class="Link">Bank regulators have concepts of a plan to deal with AI</a></ps-link> </div> <div class="PromoMediumImageLeft-description"><p>In a string of speeches last week, the top federal banking regulators outlined goals and framed their thinking about artificial intelligence in financial services, but the biggest questions around liability and widespread adoption remain unanswered.</p></div> <div class="PromoMediumImageLeft-bottomWrapper"> <div class="PromoMediumImageLeft-byline"> <div class="PromoMediumImageLeft-byline-content"> <div class="PromoMediumImageLeft-authorName"> By <a href="https://www.americanbanker.com/author/john-heltman">John Heltman</a> </div> </div> </div> <div class="PromoMediumImageLeft-timeSince">November 26</div> </div> </div> </div> </li> <li class="MediumStackedList-items-item"> <div class="PromoMediumImageLeft" data-content-type="Article" 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1240w,https://arizent.brightspotcdn.com/dims4/default/9738b32/2147483647/strip/true/crop/5905x3322+0+308/resize/1440x810!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F0d%2Fd4%2F73960d144072a51051fe036410ea%2F420477974.jpg 1440w"/><source width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/2cb61d2/2147483647/strip/true/crop/5905x3322+0+308/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F0d%2Fd4%2F73960d144072a51051fe036410ea%2F420477974.jpg"/><img class="Image" data-image-size="promoMedium" alt="Michael Hsu" srcset="https://arizent.brightspotcdn.com/dims4/default/9ee9694/2147483647/strip/true/crop/5905x3322+0+308/resize/320x180!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F0d%2Fd4%2F73960d144072a51051fe036410ea%2F420477974.jpg 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21</div> </div> </div> </div> </li> <li class="MediumStackedList-items-item"> <div class="PromoMediumImageLeft" data-content-type="OpinionArticle" data-is-opinion data-sponsor-type=""> <div class="PromoMediumImageLeft-media"> <ps-link><a href="https://www.americanbanker.com/opinion/trumps-economic-plan-undermines-his-economic-mandate" class="Link" aria-label="Trump's economic plan undermines his economic mandate"><picture><source type="image/webp" width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/b946131/2147483647/strip/true/crop/8192x4608+0+428/resize/320x180!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F0d%2F84%2Fea49895f49c8b3ff80edbc556d07%2F419830519.jpg 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srcset="https://arizent.brightspotcdn.com/dims4/default/cc08e6a/2147483647/strip/true/crop/8192x4608+0+428/resize/320x180!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F0d%2F84%2Fea49895f49c8b3ff80edbc556d07%2F419830519.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/c268fe7/2147483647/strip/true/crop/8192x4608+0+428/resize/568x320!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F0d%2F84%2Fea49895f49c8b3ff80edbc556d07%2F419830519.jpg 568w,https://arizent.brightspotcdn.com/dims4/default/b1a5c26/2147483647/strip/true/crop/8192x4608+0+428/resize/768x432!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F0d%2F84%2Fea49895f49c8b3ff80edbc556d07%2F419830519.jpg 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But how far a second Trump administration can or will go depends on factors outside the president's control.</p></div> <div class="PromoMediumImageLeft-bottomWrapper"> <div class="PromoMediumImageLeft-byline"> <div class="PromoMediumImageLeft-byline-content"> <div class="PromoMediumImageLeft-authorName"> By <a href="https://www.americanbanker.com/author/john-heltman">John Heltman</a> </div> </div> </div> <div class="PromoMediumImageLeft-timeSince">November 6</div> </div> </div> </div> </li> <li class="MediumStackedList-items-item"> <div class="PromoMediumImageLeft" data-content-type="OpinionArticle" data-is-opinion data-sponsor-type=""> <div class="PromoMediumImageLeft-media"> <ps-link><a href="https://www.americanbanker.com/opinion/no-matter-who-wins-the-election-uncertainty-looms-for-banks" class="Link" aria-label="No matter who wins the election, uncertainty looms for banks"><picture><source type="image/webp" width="1280" height="720" 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href="https://www.americanbanker.com/opinion/no-matter-who-wins-the-election-uncertainty-looms-for-banks" class="Link">No matter who wins the election, uncertainty looms for banks</a></ps-link> </div> <div class="PromoMediumImageLeft-description"><p>Banks have favored the low-regulation vision of former President Donald Trump in the 2024 election, but his victory could imperil institutions and norms that banks rely on. 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href="https://www.americanbanker.com/opinion/the-substance-and-process-of-finishing-basel-are-one-in-the-same" class="Link">The substance and process of finishing Basel are one in the same</a></ps-link> </div> <div class="PromoMediumImageLeft-description"><p>The revised edition of the Basel III endgame capital rules has been stuck in limbo at the Federal Deposit Insurance Corp. board of directors. 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