Co-Writer @CapitolAccount, a daily newsletter on financial regulation. Formerly @WSJ. Signal username: ryanjtracy.19
Joined May 2009
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14 Apr 2023
"We can only continue to give you the news and the atmosphere in which it happens. You must reach your own conclusions." - Edward R. Murrow
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Feb 26
Something I noticed as today's Senate Banking session turned into an oversight hearing about World Liberty Financial: The company's application to the OCC for a federal bank charter was received by the agency on Jan. 6. Can't make this stuff up.
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Ryan Tracy retweeted
I was just laid off by The Washington Post in the middle of a warzone. I have no words. I'm devastated.
Waking up without power, heat, or running water. (Again.)
But the work here in Kyiv continues. Warming up in the car, writing in pencil — pen ink freezes — by headlamp.
Despite how difficult this job can be, I am proud to be a foreign correspondent at The Washington Post.
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20 Nov 2025
Pulte's deleted tweets/pre-government online footprint continue to give endless fodder.
20 Nov 2025
The nation's top mortgage regulator has frustrated many of Trump’s top aides, but the president himself likes Pulte’s pit-bull approach. With @nancook
bloomberg.com/news/articles/…
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20 Nov 2025
Two favorite things about the new CFPB nominee:
1 - His LinkedIn bio starts with the phrase "I began my career studying kelp forests..."
2 - Some in the financial world have already come up with a new nickname for the candidate – NINO, or nominee in name only.
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Ryan Tracy retweeted
19 Nov 2025
The White House looking for a new CFPB director
19 Nov 2025
Levenbach comes from OMB and does not have a background we typically associate with a consumer financial watchdog. From an earlier post from the Trump White House:
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20 Nov 2025
New: The CFPB is preparing a contingency plan for one of the biggest unanswered questions about its closure: What will happen to the weekly data it publishes for mortgage lenders?
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18 Nov 2025
SCOTUS is preparing to consider whether regulators should still be "independent". Or can the president fire them at will? We saw something striking about the docket:
Not a single industry group, as far as I can tell, has asked the justices to preserve agency independence.
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18 Nov 2025
One (sort of) exception was the media. The @rcfp warned about about a world where regulators are afraid of the president’s whims. Here’s a snippet:
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18 Nov 2025
By contrast, a bunch of former Republican officials made an impassioned pitch to the conservative justices, arguing that agency independence is an "originalist" way to run a government. supremecourt.gov/DocketPDF/2…
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13 Nov 2025
The financial industry isn't exactly embracing the idea of a CFPB shutdown. Interesting bit from our coverage last night from @MBAMortgage. A CFPB spox didn't comment on what would happen to various data releases or rules if the agency stops spending money.
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12 Nov 2025
It’s a difficult moment to be in charge of @Finra. Lawsuits on constitutionality. A GOP bill stripping powers. A longtime critic now SEC Chair. We sat down with CEO Robert Cook to talk about how he's adjusting to the times. He said detractors should think twice...
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Ryan Tracy retweeted
29 Oct 2025
CFPB Endgame? We're hearing @russvought is considering a simple plan to shut the agency down: Letting it run out of cash. Would that be legal, you ask? Here's how it could play:
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5 Nov 2025
.@SECPaulSAtkins wants to end mandatory quarterly reporting. History shows it’s unlikely to easy. We ran back the tape to when Trump's 1st SEC chief took a swing at it - suffice to say, there was a lot of blowback. Interestingly, though, Jay Clayton still likes the idea 👀
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5 Nov 2025
More details on what happened last time and Clayton's thoughts about a way forward, in last night's subscriber-only edition capitolaccountdc.com/p/recen…
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31 Oct 2025
The Fed has discretion to reject master account applications from eligible institutions, a Tenth Circuit panel affirms. "Custodia is not automatically entitled to a master account." storage.courtlistener.com/re…
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30 Oct 2025
Notable: @USChamber is now on board with the firing of “independent” regulators (although they make an exception for the Fed). The group took the stance in an amicus brief about @RKSlaughterFTC’s Supreme Court case.
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