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		<loc>https://fintechedition.com/opinion/fdic-publish-ilc-tests-before-ruling-next-fintech-application/</loc>
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			<news:publication>
				<news:name>FinTech Edition</news:name>
				<news:language>en</news:language>
			</news:publication>
			<news:publication_date>2026-10-15T09:45:00+00:00</news:publication_date>
			<news:title>The FDIC Should Publish Its ILC Tests Before Ruling on the Next Fintech Application</news:title>
		</news:news>
	</url>
	<url>
		<loc>https://fintechedition.com/articles/upgrade-applies-to-establish-upgrade-bank-nevada-industrial-loan-bank/</loc>
		<news:news>
			<news:publication>
				<news:name>FinTech Edition</news:name>
				<news:language>en</news:language>
			</news:publication>
			<news:publication_date>2026-10-15T09:30:00+00:00</news:publication_date>
			<news:title>Upgrade Applies to Establish Upgrade Bank, a Nevada Industrial Loan Bank</news:title>
		</news:news>
	</url>
	<url>
		<loc>https://fintechedition.com/opinion/banks-earned-wage-access-test-cfpb-four-criteria/</loc>
		<news:news>
			<news:publication>
				<news:name>FinTech Edition</news:name>
				<news:language>en</news:language>
			</news:publication>
			<news:publication_date>2026-10-14T09:40:00+00:00</news:publication_date>
			<news:title>Banks Adding Earned Wage Access Should Test It Against the CFPB’s Four Criteria</news:title>
		</news:news>
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	<url>
		<loc>https://fintechedition.com/articles/payward-agrees-to-acquire-saldo-bank-eu-licensed-digital-bank/</loc>
		<news:news>
			<news:publication>
				<news:name>FinTech Edition</news:name>
				<news:language>en</news:language>
			</news:publication>
			<news:publication_date>2026-10-14T09:15:00+00:00</news:publication_date>
			<news:title>Payward Agrees to Acquire Saldo Bank, an EU-Licensed Digital Bank</news:title>
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