The FDA sent another batch of warning letters to direct-to-consumer pharma advertisers, adding healthcare professional marketing to its list of complaints. Marketers should prepare for more intense medical and legal review checks, but also expand beyond brand messaging rather than pullback on the key HCP prescriber audience.

The FDA’s recent crackdown on pharma TV advertising could disproportionately affect Black, Hispanic, and Asian consumers, per a recent Video Advertising Bureau (VAB) report. President Trump recently directed federal health agencies to increase pharma TV advertising enforcement and to change rules to make drugmakers disclose every side effect. Pharma marketers would have to change the ads, spend extensive time and money to change them, or pull them off the air. Marketers and agencies need to think about shifting budgets to digital channels, especially social media and influencer marketing, which are also valuable information health sources for Black, Hispanic and Asian consumers.

The Federal Deposit Insurance Corporation (FDIC) has proposed new rules updating the requirements for displaying the official FDIC sign on digital platforms, per Davis Wright Tremain LLP. Ultimately, these changes are a win for FIs and their customers. The current, often-confusing signage can lead to confusion about how customers’’ money is protected. By focusing the signage at the most relevant touchpoints—like logging in or opening an account—and requiring clear, consistent warnings for uninsured products, the FDIC is making it easier for consumers to make informed decisions about their money.

European regulators are warning consumers about a recent spike in counterfeit versions of Eli Lilly’s and Novo Nordisk’s GLP-1 weight loss drugs. In addition to the physical dangers, illegal GLP-1 drugs create a perception problem, as consumers may not understand the difference between fakes and official products. Drugmakers must continue to educate consumers, disavow the fakes, and double down on anti-counterfeiting measures. In Europe, especially, they need to repeat warnings from regulators and detail the risks to healthcare providers, pharmacies, and consumers.

The news: President Trump recently signed an executive order to allow Americans to invest 401(k) retirement savings in private equity, cryptocurrency, real estate, and other alternative assets, per NBC. The administration believes this will give retirement savers more opportunities for potentially higher returns. Our take: This may excite younger consumers in particular, as they generally are more interested in alternative investments. But critics and financial experts warn that these new options come with higher risks and costs than traditional 401(k)s. The traditional banking model centers on stability, trust, and relatively conservative financial products. In addition to new opportunities, introducing high-risk, alternative assets into retirement accounts creates significant challenges for the banking sector.

Retail media is not just for retailers anymore. US commerce media ad spending is projected to hit $118.4 billion by 2029, growing at a 15.3% compound annual growth rate (CAGR), per a May EMARKETER forecast.

The news: TikTok is reportedly exploring a US-only version of its app amid ongoing discussions of a US ban and selloff, per The Information. Known internally as “M2,” the app will reportedly launch in September and require users to download a new version to use TikTok in the US—though users will have several months to make the switch. Our take: We will continue to monitor closely for further developments, particularly the specifics of user data and algorithm migration, which will directly dictate the app's future efficacy for bank marketing. For now, FIs should maintain their Gen Z outreach strategies on TikTok with a high degree of adaptability.

The news: Deutsche Bank plans to launch a digital asset custody service next year, which would allow clients to securely store cryptocurrencies and tokenized assets. It initially announced its custody plans in 2022. Our take: These two German banks’ announcements signal growing confidence among European financial institutions in embracing digital assets. We expect more of them to follow suit in the coming year.The trend could also pick up pace in the US amid a favorable environment: Several major US banks already offer crypto asset services, but recent developments like the withdrawal of previous cautionary guidance by the Office of the Comptroller of the Currency could spur more major US banks to jump in.

The news: Spain is investigating Novo Nordisk over a controversial obesity awareness ad campaign tied to its weight loss drugs. Our take: GLP-1 weight loss drugs are in demand, but drugmakers can’t afford any trust gaps with health systems and physicians in the competitive race for customers.

The news: The USDC stablecoin issuer Circle’s IPO exceeded investor expectations—its stock price ended the day up 168%. Our take: Circle’s IPO signals increasing investor optimism in crypto, particularly stablecoins. As stablecoins become a more accepted element of our financial infrastructure, financial providers should prepare for how to incorporate or interact with this element of the payments space.

After a lengthy battle with regulators, banks may be happy to hear these requirements could get another cut.

The CFPB will reportedly ask a federal court to vacate the rule—side-stepping the lengthy rescinding process and setting back open banking indefinitely.

With regulatory changes underway, it may be easier for fintechs to get banking charters.

After its banking partner’s regulatory issues, fintech Dave aligned with Coastal Financial.

Musk’s plan to ‘delete’ the consumer watchdog is underway.

Big Tech battled Europe’s new rules in 2024: Apple opened its ecosystem to comply with DMA while Meta faced fines and scrutiny over data use and subscriptions. We can expect continued stringent regulations.

The top B2B marketing trends in 2025 include AI-driven insights, first-party data strategies, and balancing automation with authenticity. In this report, marketers and agencies can learn how to embrace these evolving strategies in order to boost engagement, trust, and ROI.