Late-payment rates are rising at nonbanks that lend to people with lower credit scores. "We're probably entering a stretch where you're going to see a separation between those that are relatively good underwriters and those that are not," one analyst said.

Digital Identity is an aspect of CBDC design causing much debate. For some, it is the end of freedom, "unnecessarily alarmist" others respond.

After being caught by surprise last year with a tax provision it wasn't expecting, the crypto industry increased its lobbying spending and campaign contributions and now has found friends in Congress.