Continued Pressure: Why the Insurance Industry Will Continue to Face Scrutiny
Capstone believes the National Association of Insurance Commissioners (NAIC) will continue its multi-year effort to tighten its scrutiny of the investment strategies of insurers, and of their use of artificial intelligence (AI) and big data. We expect...
Banking on Ease: How the Regulatory Burden on Banks Will Lessen in 2026
Capstone believes that prudential regulators will continue to lift the regulatory burden for banks of all sizes in 2026, even as they consider new stablecoin regulations that pose competitive threats to smaller banks. We expect the release of a “capital neutral” Basel...
The Education Industry’s Budget Conundrum: How Federal and State Budget Drivers Will Drive Education Firms
Capstone expects a mixed outlook for K–12 vendors, universities, and higher education services in 2026. While federal education funding is likely to remain stable despite disruptions at the US Department of Education, state-level budget pressures threaten K–12 vendor...
Housing Unlocked: GSE Reform, Pro-Housing Legislation, and Mortgage Innovation Shape 2026
Capstone expects housing policy to be a major priority for federal and state leaders in 2026, including the Trump administration. Lawmakers are likely to begin reshaping the roles of Fannie Mae and Freddie Mac and pursue a range of efforts to increase housing supply...
