Travelers Q3 2026: The $9.18 Beat Built on Reserves, Rates, and a $50B Buyback Machine
Travelers Q3 2026: $9.18 core EPS (+13%) on an 86.8% combined ratio and record $1.1B investment income, with $1.8B returned.
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Wells Fargo Q3 2026 Earnings: $1.87 EPS Built on NII Growth and a Shrinking Share Count
Wells Fargo Q3 2026: $1.87 EPS rose 13% on 5% NII growth and buybacks, while revenue missed and mortgage banking fell 39%.
Goldman Sachs Q3 2026 Earnings: $17.01 EPS on Record Equities Financing as the Apple Card Saga Nears Its End
Goldman Sachs Q3 2026: $17.01 EPS (+39%) on $18.68B revenue (+23%) as equities trading surged 72% to $6.44B, with a $450M gift inside.
JPMorgan Chase Q3 2026 Earnings: The $5.57 Miss, a $664 Million Buyback, and a Raised Outlook
JPMorgan Q3 2026: $5.57 EPS missed on $50.2B revenue as buybacks fell to $664M — but NII rose 13% and the 2026 guide went to $106.2B.
Deere Q3 FY2026 Earnings: $1.38B Profit From a Tractor Maker With a $70B Bank
Deere's Q3 FY2026: $1.379B net income on $12.6B revenue, large ag sales down 6%, construction margin up to 12.1%, and a $49.2B finance receivables book.
UK Economic Crime Levy 2026: Who Files, What You Pay, and How to Reconcile September
The UK Economic Crime Levy charges AML-supervised firms with UK revenue above £10.2m from £10,000 to £500,000 — return first, then payment by 30 September.
Regulation S-P in 2026: The Incident-Response, Customer-Notice, and Recordkeeping Checklist for Small RIAs and Broker-Dealers
The SEC's amended Regulation S-P has applied to smaller covered institutions since June 3, 2026, requiring a written incident-response program, customer notice within 30 days of awareness, and 72-hour service-provider breach escalation. A practical checklist for small RIAs, broker-dealers, and transfer agents covering the notice decision, vendor oversight, disposal rules, and the records that prove each step.
JPMorgan Chase Q2 2026 Earnings: $57.3 Billion Revenue and Record $21.2 Billion Net Income as Visa Gain Lifts the Beat
JPMorgan Chase Q2 2026: $57.3B revenue (+27.7%) and record $21.2B net income (+41.2%), lifted by a $4.6B Visa gain — tracked in a public Beancount ledger.
Should Your Point-of-Sale App Be Your Bank? A Small-Business Guide to Embedded Finance
Embedded finance grew from a $148 billion market in 2025 to roughly $197 billion in 2026, putting bank accounts, cards, and lending inside software like Shopify, Square, and Toast. Here's how these products work, what the 2024 Synapse collapse revealed about FDIC-insurance gaps, and a practical framework for splitting money between embedded products and a traditional bank.
Fractional CFO Firm Bookkeeping: Structuring Your Own Books When You Sell Financial Clarity for a Living
How should a fractional CFO firm structure its own books? Retainers ($3,000–$15,000/month) are deferred-revenue liabilities until earned, unbilled work-in-progress belongs on the balance sheet, and revenue should be split by billing model — retainer, hourly ($175–$450/hour), and project fees — in a market headed past $3.2 billion in 2026.
Minnesota Just Made 'Sending a Lead' a Licensed Activity — Here's What Changes August 1
Minnesota's HB 4188 redefines 'arranging' small-dollar and short-term consumer loans to include marketing, lead generation, underwriting, and collections. Starting August 1, 2026, lead generators, affiliates, and referral partners handling loans of $1,300 or less may need a Regulated Loan license — Connecticut has already fined an unlicensed mortgage lead generator $50,000 under a similar regime.
Ninth Circuit Blocks FinCEN's $200 Cash-Reporting Order: What the Border GTO Ruling Means for Money Services Businesses
On July 14, 2026, the Ninth Circuit upheld an injunction blocking FinCEN's border Geographic Targeting Order, which required money services businesses in ~30 ZIP codes to file Currency Transaction Reports for cash transactions as low as $200 — 50 times below the normal $10,000 threshold. The court found FinCEN likely violated the APA by skipping notice-and-comment rulemaking and ignoring compliance costs.