BankThink

Policymakers must avoid looking at community banks as institutions of the past that no longer have a place or function in our financial system and stop prioritizing large banks and technology companies.

Noelle Acheson looks at what the outsourcing of stablecoin issuance means for the GENIUS Act, and for our understanding of money.

A proposal to reduce the enhanced supplementary leverage ratio, implemented in the wake of the global financial crisis, risks bringing back the same sort of risky behavior that cratered markets in 2008.

The financial services industry is relying on outdated methods of detecting and fighting fraud. With the assistance of artificial intelligence, criminals are penetrating vulnerable systems. It's time for collective action.

Bankruptcies at First Brands and Tricolor should be a wake-up call for banks exposed to the private credit market. Banks should treat indirect lending to shadow banks as a high-risk activity that demands active oversight.

Community banks are often pressured by regulators to hold significantly higher capital than regulations require, using one-size-fits-all rules of thumb. Well-managed community banks deserve the ability to make the case for lowering their capital levels.

The United States cannot assume its early lead in stablecoins will last. Dollar-pegged tokens dominate today, but Japan's clear regulations and institutional adoption could mean yen stablecoins dominate tomorrow.

There are plenty of ways that lawmakers could help community bankers. Raising federal deposit insurance limits by a factor of 40 isn't one of them.

Reports that JPMorgan is planning to allow the use of crypto collateral against loans are good news for the crypto market. But Noelle Acheson argues that it's even better news for bank lending.

The agency's approval of the stablecoin-focused Erebor will be the first of many applications to open new banks, many focused on nontraditional elements of the business.