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data-align-center> <div class="Enhancement-item"><div class="RawHtml" data-module-mame="editors-pick"><div class="ep_main" style="margin-top: 20px; margin-bottom: 20px; background-color: #F5F5F5; border-top: 2px solid #00745F; padding: 0px 20px 20px 20px; width: 100%;"><div class="ep_pill" style="padding-top: 20px; padding-bottom: 10px; margin: auto;"><img style="width: 150px; height: 26px; margin-left: -5px;" src="https://arizent.brightspotcdn.com/f6/04/5082fa344b4ca9e82d1e28b83baa/complimentary-access-pill-green.svg" alt="Complimentary Access Pill"></div><div class="ep_description" style="color: #333333; font-family: Lato, Arial, Helvetica, sans-serif; font-weight: 400; font-size: 18px; line-height: 30px (1.7);">Enjoy complimentary access to top ideas and insights — selected by our editors.</div></div></div></div> </div><p>President-elect Donald Trump has cemented his return to the White House, beating banker predictions of Vice President Kamala Harris emerging victorious and sending stock markets into a frenzy. As President Joe Biden's time in office draws to a close, the banking industry is on the precipice of substantial change.</p><div class="inline-gate"></div><p><ps-link><a href="https://www.americanbanker.com/list/why-bankers-predict-a-harris-win-despite-favoring-trump" class="Link" target="_blank"><u>Election survey data</u></a></ps-link> gathered prior to Nov. 5 by Arizent, the publisher of American Banker, found that a majority of the 191 bankers polled felt Harris would be the likely winner, despite a separate majority who felt a Trump administration would yield better results for the financial services space.</p><div id="googleAd9bf0f4ef-5701-4366-b979-743d63fa0fc7" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Article" data-slot-sizes="[[970, 91], [970, 90], [970, 250], [728, 90], [320, 50], [300, 250]]" data-slot-adsizemap="[[[768, 0], [728, 90], [970, 250], [970, 90], [970, 91]], [[320, 0], [300, 250], [320, 50]]]" data-injected-for-mobile="true" data-position="collapsed_header1"> <span class="GoogleDfpAd-placeholder"></span> </div><p>The morning following Trump's win, major banks such as JPMorgan Chase, Citigroup and Wells Fargo saw significant jumps in their share prices during the day's trading, as campaign claims of fostering a relaxed regulatory environment spurred activity.</p><p>"The assumption going forward in terms of what to anticipate from Washington, D.C., includes an extension of the 2017 tax cuts and higher spending — as well as a push to lower corporate tax rates," Ian Lyngen, a rates analyst at BMO Capital Markets, wrote in a note to clients.</p><p><b>Read more: </b><ps-link><a href="https://www.americanbanker.com/news/powell-says-he-wont-step-down-and-trump-cant-make-him" class="Link" target="_blank"><b><u>Powell says he won't step down and Trump can't make him</u></b></a></ps-link></p><p>Further expectations for change extend to the <ps-link><a href="https://www.americanbanker.com/news/trump-will-change-the-cfpbs-course-but-how-much-is-unclear" class="Link" target="_blank"><u>Consumer Financial Protection Bureau</u></a></ps-link> and the Federal Reserve, with each agency's path forward paved with uncertainty. </p><div class="Enhancement" data-type="polar"> <div class="Enhancement-item"><div id="googleAd741f002c-5612-40a0-ad27-540279f90129" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Article" data-slot-sizes="[[1, 1]]" data-slot-adSizeMap="[[[320, 0], [1, 1]]]" data-position="native-in-article1"> <span class="GoogleDfpAd-placeholder"></span> </div></div> </div><p>Experts say a total gutting of the CFPB is an unlikely scenario that would require both an act of Congress and "a filibuster-proof majority in the Senate," which the Trump administration will not have. </p><p>Joseph Lynyak, a partner at Dorsey & Whitney, said in an interview with American Banker's <ps-link><a href="https://www.americanbanker.com/author/john-heltman" class="Link" target="_blank"><b><u>John Heltman</u></b></a></ps-link> that he doubts the new Senate majority would do away with the filibuster as a workaround at the risk of granting any future Democratic majority an easier time advancing their agenda."They don't have 60 votes, so that's not going to happen," Lynyak said. "There are institutional people there that realize, 'Hey, if we do it to you, you're going to do it to us, and maybe it's not a really good idea.'"</p><p>Where the Federal Reserve's Board of Governors is concerned, Trump has a bit more power.</p><p>The first slated opening on the board is when current Biden-appointed Gov. <ps-link><a href="https://www.americanbanker.com/news/kugler-sworn-in-as-fed-governor-brings-board-to-full-strength" class="Link" target="_blank"><u>Adriana Kugler</u></a></ps-link>'s term expires in early 2026, creating an opening for Trump to appoint a candidate more in line with his policy positions. Board Chair <ps-link><a href="https://www.americanbanker.com/news/powell-cruises-to-second-term-as-fed-chair" class="Link" target="_blank"><u>Jerome Powell's tenure</u></a></ps-link> is set to close in May of that year.</p><p>"The financial markets do not want to see a politically driven Federal Reserve in terms of policy," board member Christopher Waller said during a <ps-link><a href="https://www.americanbanker.com/news/another-fed-official-backs-a-rate-cut-this-month" class="Link" target="_blank"><u>public speaking appearance</u></a></ps-link> in September in response to worries about influence from the White House on policy discussions. "If the president wants to complain about it, he's free to do so, just like everybody else. Doesn't mean I have to listen or adjust policy, but he's entitled to any damn opinion he wants, just like everybody else."</p><p><b>Read more: </b><ps-link><a href="https://www.americanbanker.com/news/changes-coming-to-the-fed-in-a-trump-presidency" class="Link" target="_blank"><b><u>Changes coming to the Fed in a Trump presidency</u></b></a></ps-link></p><p>Read on for insights into what predictions analysts speculate could be Trump's impact on the banking industry and what the future regulatory landscape could hold.</p><div class="Enhancement" data-align-center> <div class="Enhancement-item"><figure class="Figure"> <picture><source type="image/webp" width="740" height="493" data-image-size="articleImage"srcset="https://arizent.brightspotcdn.com/dims4/default/8061453/2147483647/strip/true/crop/5173x3447+0+0/resize/586x390!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F8c%2Fff%2Fbb4a2a7240939099ed7256b42112%2F398386401.jpg 586w,https://arizent.brightspotcdn.com/dims4/default/7868920/2147483647/strip/true/crop/5173x3447+0+0/resize/768x512!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F8c%2Fff%2Fbb4a2a7240939099ed7256b42112%2F398386401.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/fe4c06c/2147483647/strip/true/crop/5173x3447+0+0/resize/1024x682!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F8c%2Fff%2Fbb4a2a7240939099ed7256b42112%2F398386401.jpg 1024w"/><source width="740" height="493" data-image-size="articleImage"srcset="https://arizent.brightspotcdn.com/dims4/default/bf7bffe/2147483647/strip/true/crop/5173x3447+0+0/resize/740x493!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F8c%2Fff%2Fbb4a2a7240939099ed7256b42112%2F398386401.jpg"/><img class="Image" data-image-size="articleImage" alt="Elizabeth Warren" srcset="https://arizent.brightspotcdn.com/dims4/default/33a875a/2147483647/strip/true/crop/5173x3447+0+0/resize/586x390!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F8c%2Fff%2Fbb4a2a7240939099ed7256b42112%2F398386401.jpg 586w,https://arizent.brightspotcdn.com/dims4/default/d7db6eb/2147483647/strip/true/crop/5173x3447+0+0/resize/768x512!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F8c%2Fff%2Fbb4a2a7240939099ed7256b42112%2F398386401.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/1fe8259/2147483647/strip/true/crop/5173x3447+0+0/resize/1024x682!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F8c%2Fff%2Fbb4a2a7240939099ed7256b42112%2F398386401.jpg 1024w" width="740" height="493" src="https://arizent.brightspotcdn.com/dims4/default/bf7bffe/2147483647/strip/true/crop/5173x3447+0+0/resize/740x493!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F8c%2Fff%2Fbb4a2a7240939099ed7256b42112%2F398386401.jpg"></picture> <div class="Figure-content"> <figcaption class="Figure-caption">Senator Elizabeth Warren, a Democrat from Massachusetts.</figcaption><div class="Figure-credit">Al Drago/Bloomberg</div> </div> </figure></div> </div><p></p><h2 class="cms-heading-h2 HeadingH2">Senate Democrats seek out another half-point Fed rate cut</h2><p></p><p>Leading Democratic legislators in the U.S. Senate applauded when the Federal Reserve <ps-link><a href="https://www.americanbanker.com/news/fed-cuts-interest-rates-by-half-percentage-point" class="Link" target="_blank"><u>lowered its benchmark interest rate by 50 basis points</u></a></ps-link> in September and recently called for a successive half-point cut to further combat elevated housing costs.</p><p>Sens. Elizabeth Warren, D-Mass., and John Hickenlooper, D-Colo., wrote in a letter to Federal Reserve Chairman Jerome Powell before last week's FOMC meeting that the first reduction was "a good first step" as economic results show results in stabilizing <ps-link><a href="https://www.americanbanker.com/news/september-headline-inflation-nears-fed-target" class="Link" target="_blank"><u>price growth</u></a></ps-link>. Alleviating the burden on borrowers would require future cuts in kind, they said.</p><p>"Given the Fed's confidence in inflation moving towards its target of 2%, now is the time to lift its restrictive policies and proceed with additional rate cuts," Warren and Hickenlooper wrote. </p><p><b>Read more: </b><ps-link><a href="https://www.americanbanker.com/news/senate-democrats-call-for-another-half-point-fed-rate-cut" class="Link" target="_blank"><b><u>Senate Democrats call for another half-point Fed rate cut</u></b></a></ps-link></p><div class="Enhancement" data-align-center> <div class="Enhancement-item"><figure class="Figure"> <picture><source type="image/webp" width="740" height="493" data-image-size="articleImage"srcset="https://arizent.brightspotcdn.com/dims4/default/7b5615e/2147483647/strip/true/crop/6000x4000+0+0/resize/586x390!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Faf%2F1d%2F7a1209e64cb7ad644bb84d6000ec%2F395227191.jpg 586w,https://arizent.brightspotcdn.com/dims4/default/1bc0c05/2147483647/strip/true/crop/6000x4000+0+0/resize/768x512!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Faf%2F1d%2F7a1209e64cb7ad644bb84d6000ec%2F395227191.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/cdd0ce9/2147483647/strip/true/crop/6000x4000+0+0/resize/1024x682!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Faf%2F1d%2F7a1209e64cb7ad644bb84d6000ec%2F395227191.jpg 1024w"/><source width="740" height="493" data-image-size="articleImage"srcset="https://arizent.brightspotcdn.com/dims4/default/9b51472/2147483647/strip/true/crop/6000x4000+0+0/resize/740x493!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Faf%2F1d%2F7a1209e64cb7ad644bb84d6000ec%2F395227191.jpg"/><img class="Image" data-image-size="articleImage" alt="Democratic Representatives Schiff, Swalwell, And Omar News Conference On Committee Assignments" srcset="https://arizent.brightspotcdn.com/dims4/default/d2102e7/2147483647/strip/true/crop/6000x4000+0+0/resize/586x390!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Faf%2F1d%2F7a1209e64cb7ad644bb84d6000ec%2F395227191.jpg 586w,https://arizent.brightspotcdn.com/dims4/default/2d250f6/2147483647/strip/true/crop/6000x4000+0+0/resize/768x512!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Faf%2F1d%2F7a1209e64cb7ad644bb84d6000ec%2F395227191.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/fbf3cc8/2147483647/strip/true/crop/6000x4000+0+0/resize/1024x682!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Faf%2F1d%2F7a1209e64cb7ad644bb84d6000ec%2F395227191.jpg 1024w" width="740" height="493" src="https://arizent.brightspotcdn.com/dims4/default/9b51472/2147483647/strip/true/crop/6000x4000+0+0/resize/740x493!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Faf%2F1d%2F7a1209e64cb7ad644bb84d6000ec%2F395227191.jpg"></picture> <div class="Figure-content"> <div class="Figure-credit">Al Drago/Bloomberg</div> </div> </figure></div> </div><p></p><h2 class="cms-heading-h2 HeadingH2">Crypto advocate voted into Senate seat in California</h2><p></p><p>Rep. Adam Schiff, D-Calif., beat out Republican and former Major League Baseball player Steve Garvey on Nov. 5 to move into the U.S. Senate.</p><p>Schiff brings with him more than 20 years in the political realm, including a stint as the chair of the House Intelligence Committee from 2019 to 2023 and the lead impeachment manager in Trump's first impeachment trial. He will replace Laphonza Butler, also a Democrat.</p><p>Schiff has backed numerous proposals that stood to have grand impacts on the banking industry, such as legislation to <ps-link><a href="https://schiff.house.gov/news/press-releases/schiff-blumenthal-and-levin-introduce-the-deposit-act-to-recoup-bank-executive-bonuses-and-stock-sales" class="Link" target="_blank"><u>recoup bonuses and stock sales</u></a></ps-link> from bank executives earned within 60 days of a failure and efforts to stem the <ps-link><a href="https://schiff.house.gov/news/press-releases/rep-schiff-introduces-bill-to-regulate-revolving-door-in-financial-services-industry" class="Link" target="_blank"><u>"revolving door"</u></a></ps-link> dynamic within the financial services industry among regulators.</p><p><b>Read more: </b><ps-link><a href="https://www.americanbanker.com/news/the-pro-crypto-record-of-californias-new-senator-elect" class="Link" target="_blank"><b><u>Pro-crypto House member wins Senate seat in California</u></b></a></ps-link></p><div class="Enhancement" data-align-center> <div class="Enhancement-item"><figure class="Figure"> <picture><source type="image/webp" width="740" height="494" data-image-size="articleImage"srcset="https://arizent.brightspotcdn.com/dims4/default/b3c8ccf/2147483647/strip/true/crop/6844x4565+0+0/resize/586x391!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F14%2F80%2F3723cf744286bd030afc587dbd2e%2F419822672.jpg 586w,https://arizent.brightspotcdn.com/dims4/default/5d7ec54/2147483647/strip/true/crop/6844x4565+0+0/resize/768x513!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F14%2F80%2F3723cf744286bd030afc587dbd2e%2F419822672.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/0f6ea49/2147483647/strip/true/crop/6844x4565+0+0/resize/1024x684!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F14%2F80%2F3723cf744286bd030afc587dbd2e%2F419822672.jpg 1024w"/><source width="740" height="494" data-image-size="articleImage"srcset="https://arizent.brightspotcdn.com/dims4/default/9c20b93/2147483647/strip/true/crop/6844x4565+0+0/resize/740x494!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F14%2F80%2F3723cf744286bd030afc587dbd2e%2F419822672.jpg"/><img class="Image" data-image-size="articleImage" alt="From Dollar To Stocks, Trump Trade Erupts Across Markets" srcset="https://arizent.brightspotcdn.com/dims4/default/1ca059c/2147483647/strip/true/crop/6844x4565+0+0/resize/586x391!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F14%2F80%2F3723cf744286bd030afc587dbd2e%2F419822672.jpg 586w,https://arizent.brightspotcdn.com/dims4/default/e3730fe/2147483647/strip/true/crop/6844x4565+0+0/resize/768x513!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F14%2F80%2F3723cf744286bd030afc587dbd2e%2F419822672.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/ee9b155/2147483647/strip/true/crop/6844x4565+0+0/resize/1024x684!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F14%2F80%2F3723cf744286bd030afc587dbd2e%2F419822672.jpg 1024w" width="740" height="494" src="https://arizent.brightspotcdn.com/dims4/default/9c20b93/2147483647/strip/true/crop/6844x4565+0+0/resize/740x494!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F14%2F80%2F3723cf744286bd030afc587dbd2e%2F419822672.jpg"></picture> <div class="Figure-content"> <div class="Figure-credit">Michael Nagle/Bloomberg</div> </div> </figure></div> </div><p></p><h2 class="cms-heading-h2 HeadingH2">Bank stocks rally in wake of Trump win</h2><p></p><p>The morning after Trump's path back to the White House was confirmed, bank share values soared amid expectations for a more relaxed regulatory environment during his second term.</p><p>"In our view, a Trump victory and potential Republican sweep is positive for regulatory risk," Keith Horowitz, a Citigroup analyst who covers the banking industry, wrote in a note to clients.</p><p>Citigroup and JPMorgan Chase share prices rose by more than 8% during that day's trading. Capital One Financial's stock price jumped by 14% as analysts' predictions for the success of the bank's deal with <ps-link><a href="https://www.americanbanker.com/news/will-the-capital-one-discover-merger-be-approved-a-guide-to-the-issues" class="Link" target="_blank"><u>Discover Financial Services</u></a></ps-link> improved. A shift in merger policies from the Trump administration will take time, but banks will no doubt see a "far more supportive environment for consolidation," Isaac Boltansky, a policy analyst at BTIG, wrote Wednesday morning.</p><p><b>Read more: </b><ps-link><a href="https://www.americanbanker.com/news/bank-stock-prices-soar-on-hopes-that-trump-will-ease-regulation" class="Link" target="_blank"><b><u>Bank stock prices soar on hopes that Trump will ease regulation</u></b></a></ps-link></p><div class="Enhancement" data-align-center> <div class="Enhancement-item"><figure class="Figure"> <picture><source type="image/webp" width="740" height="557" data-image-size="articleImage"srcset="https://arizent.brightspotcdn.com/dims4/default/ecd4f13/2147483647/strip/true/crop/4080x3072+0+0/resize/586x441!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Feb%2F74%2F5f72a9e343e8b7872848c8fbe478%2Fpxl-20241107-185906994.jpg 586w,https://arizent.brightspotcdn.com/dims4/default/2c96e2a/2147483647/strip/true/crop/4080x3072+0+0/resize/768x578!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Feb%2F74%2F5f72a9e343e8b7872848c8fbe478%2Fpxl-20241107-185906994.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/4e33915/2147483647/strip/true/crop/4080x3072+0+0/resize/1024x771!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Feb%2F74%2F5f72a9e343e8b7872848c8fbe478%2Fpxl-20241107-185906994.jpg 1024w"/><source width="740" height="557" data-image-size="articleImage"srcset="https://arizent.brightspotcdn.com/dims4/default/81af5ff/2147483647/strip/true/crop/4080x3072+0+0/resize/740x557!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Feb%2F74%2F5f72a9e343e8b7872848c8fbe478%2Fpxl-20241107-185906994.jpg"/><img class="Image" data-image-size="articleImage" alt="U.S. District Court, Newark, New Jersey" srcset="https://arizent.brightspotcdn.com/dims4/default/c51fd4c/2147483647/strip/true/crop/4080x3072+0+0/resize/586x441!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Feb%2F74%2F5f72a9e343e8b7872848c8fbe478%2Fpxl-20241107-185906994.jpg 586w,https://arizent.brightspotcdn.com/dims4/default/303f72c/2147483647/strip/true/crop/4080x3072+0+0/resize/768x578!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Feb%2F74%2F5f72a9e343e8b7872848c8fbe478%2Fpxl-20241107-185906994.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/1364099/2147483647/strip/true/crop/4080x3072+0+0/resize/1024x771!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Feb%2F74%2F5f72a9e343e8b7872848c8fbe478%2Fpxl-20241107-185906994.jpg 1024w" width="740" height="557" src="https://arizent.brightspotcdn.com/dims4/default/81af5ff/2147483647/strip/true/crop/4080x3072+0+0/resize/740x557!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Feb%2F74%2F5f72a9e343e8b7872848c8fbe478%2Fpxl-20241107-185906994.jpg"></picture> <div class="Figure-content"> <div class="Figure-credit">Ebrima Santos Sanneh</div> </div> </figure></div> </div><p></p><h2 class="cms-heading-h2 HeadingH2">TD Bank's plea deal approved by New Jersey judge, with five years of probation</h2><p></p><p>U.S. District Judge Esther Salas accepted the terms of TD Bank Group's plea deal on Nov. 7, signaling the latest update in the institution's saga of money laundering and Bank Secrecy Act violations.</p><p>The terms of the deal require the bank to pay a fine of $1.4 billion, forfeit roughly $452 million of property tied to the offenses and retain a compliance monitor not associated with TD for three years, in addition to maintaining honesty with the court.</p><p>"This is [a situation] where many of our corporate entities, our banks, will [need] to think about compliance in a different way: Are they playing dumb, or are they playing fair?" Salas said, underscoring that her decision is the largest fine she had ever imposed. </p><p><b>Read more: </b><ps-link><a href="https://www.americanbanker.com/news/judge-approves-td-bank-plea-deal-including-five-years-of-probation" class="Link" target="_blank"><b><u>Judge approves TD Bank plea deal, including five years of probation</u></b></a></ps-link></p><div class="Enhancement" data-align-center> <div class="Enhancement-item"><figure class="Figure"> <picture><source type="image/webp" width="740" height="494" data-image-size="articleImage"srcset="https://arizent.brightspotcdn.com/dims4/default/f793540/2147483647/strip/true/crop/7952x5304+0+0/resize/586x391!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fcc%2Fd1%2Fb76bb3e04c868a576f3be02d4072%2Fadobestock-363999428.jpeg 586w,https://arizent.brightspotcdn.com/dims4/default/0a4a52d/2147483647/strip/true/crop/7952x5304+0+0/resize/768x513!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fcc%2Fd1%2Fb76bb3e04c868a576f3be02d4072%2Fadobestock-363999428.jpeg 768w,https://arizent.brightspotcdn.com/dims4/default/069af58/2147483647/strip/true/crop/7952x5304+0+0/resize/1024x684!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fcc%2Fd1%2Fb76bb3e04c868a576f3be02d4072%2Fadobestock-363999428.jpeg 1024w"/><source width="740" height="494" data-image-size="articleImage"srcset="https://arizent.brightspotcdn.com/dims4/default/beabca9/2147483647/strip/true/crop/7952x5304+0+0/resize/740x494!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fcc%2Fd1%2Fb76bb3e04c868a576f3be02d4072%2Fadobestock-363999428.jpeg"/><img class="Image" data-image-size="articleImage" alt="M&A image" srcset="https://arizent.brightspotcdn.com/dims4/default/67e9f9a/2147483647/strip/true/crop/7952x5304+0+0/resize/586x391!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fcc%2Fd1%2Fb76bb3e04c868a576f3be02d4072%2Fadobestock-363999428.jpeg 586w,https://arizent.brightspotcdn.com/dims4/default/bb23cae/2147483647/strip/true/crop/7952x5304+0+0/resize/768x513!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fcc%2Fd1%2Fb76bb3e04c868a576f3be02d4072%2Fadobestock-363999428.jpeg 768w,https://arizent.brightspotcdn.com/dims4/default/8f79b08/2147483647/strip/true/crop/7952x5304+0+0/resize/1024x684!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fcc%2Fd1%2Fb76bb3e04c868a576f3be02d4072%2Fadobestock-363999428.jpeg 1024w" width="740" height="494" src="https://arizent.brightspotcdn.com/dims4/default/beabca9/2147483647/strip/true/crop/7952x5304+0+0/resize/740x494!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fcc%2Fd1%2Fb76bb3e04c868a576f3be02d4072%2Fadobestock-363999428.jpeg"></picture> <div class="Figure-content"> <div class="Figure-credit">Adobe Stock</div> </div> </figure></div> </div><p></p><h2 class="cms-heading-h2 HeadingH2">Could Trump bring back the big bank M&A appetite?</h2><p></p><p>Following Trump's election victory, banking analysts are hopeful that the relaxed regulatory environment he purports to bring with him will spur merger and acquisition activity.</p><p>The first contender is Capital One's proposed $35 billion<ps-link><a href="https://www.americanbanker.com/news/what-capital-one-would-get-from-buying-discover" class="Link" target="_blank"><u> deal to acquire Discover</u></a></ps-link>, which has been plagued by antitrust concerns and other criticisms since its debut earlier this year. In spite of these worries, investors and analysts alike are optimistic of the merger's chances to reach the finish line."Investors are rethinking how consolidation can reshape the industry," Terry McEvoy, an analyst who covers big and regional banks at Stephens, told reporters at American Banker.</p><p><b>Read more: </b><ps-link><a href="https://www.americanbanker.com/news/are-big-bank-deals-back-what-trump-could-mean-for-m-a" class="Link" target="_blank"><b><u>Are big bank deals back? What Trump could mean for M&A</u></b></a></ps-link><br></p></div></div> </div> </div> <div class="ArticlePage-byline-bottom"> <div class="ArticlePage-byline-bottom-authors"> <div class="ArticlePage-byline-bottom-authorInfo"> <div class="ArticlePage-byline-bottom-authorInfo-bio-name"> <a href="https://www.americanbanker.com/author/frank-gargano" aria-label="">Frank Gargano</a> </div> <div class="ArticlePage-byline-bottom-authorInfo-bio-content"> Growth Content Reporter, Arizent <div class="SocialBarArticleFooter"> <ul class="SocialBarArticleFooter-items"> <li class="SocialBarArticleFooter-items-item" data-social-service=""> <a class="SocialLink" rel="noreferrer" href="https://www.americanbanker.com/author/frank-gargano" target="_blank" data-social-service="author"> <svg> <use xlink:href="#mono-icon-author"></use> </svg> </a> </li> </ul> <ul class="SocialBarArticleFooter-items"> <li class="SocialBarArticleFooter-items-item" data-social-service="twitter"> <a class="SocialLink" 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data-add-tag-filtering="false"> <div class="MediumImageRightStackedList-header ListHeaderWithIcon ListHeaderWithIcon-align-center"><div class="ListHeaderWithIcon-content-wrapper"><div class="MediumImageRightStackedList-title ListHeader-title" id="">MORE FROM AMERICAN BANKER</div> </div> </div> <ul class="MediumImageRightStackedList-items" data-list-loadmore-items> <li class="MediumImageRightStackedList-items-item"> <div class="PromoMediumImageRight" data-content-type="Article"> <div class="PromoMediumImageRight-content"> <div class="PromoMediumImageRight-headline"> <div class="PromoMediumImageRight-category"> <ps-link><a href="https://www.americanbanker.com/tag/politics-and-policy" class="Link">Politics and policy</a></ps-link> </div> </div> <div class="PromoMediumImageRight-title"> <a href="https://www.americanbanker.com/news/cfpbs-latest-hires-include-trump-doj-veteran-jeffrey-clark" target=""> Trump DOJ lawyer Jeffrey Clark joins the CFPB </a> </div> <div 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