BankThink

Decentralized digital ledgers offer financial services supervisors extraordinary access to information while eliminating concerns about information reliability. That should be reflected in regulatory attitudes toward crypto.

The Home Loan banks have been a stable source of community bank funding for generations. An unnecessary regulatory crackdown now puts that reliability in question.

Systemic racial inequality has long been a drag on the U.S. economy, and nowhere is that more apparent than in the housing market. There are smart strategies that would even the playing field.

Banks are not likely to see their regulatory capital requirements decline any time soon. But the way capital levels are calculated could be made more reflective of real risks.

Leaving credit unions exempt from the Community Reinvestment Act preserves a gaping hole in regulations designed to make sure that financial services firms make loans available in underserved communities across the country.

Embracing the integration of TradFi and DeFi through tokenization is not just a trend — it is a necessity as we reshape the financial industry to drive growth and resilience in an increasingly complex world.

The revised edition of the Basel III endgame capital rules has been stuck in limbo at the Federal Deposit Insurance Corp. board of directors. The issue there seems to be about the process of reproposal — but the process dictates the substance of the rule.

If you want your constructive criticism to land the right way with younger employees, it's important that they see it as evidence of your belief that they have a future in your bank.

The next administration should bring in new, tech-savvy leaders at bank regulatory agencies and give them the ability to rethink oversight in a way that reflects the technological innovations transforming the banking industry.

Banks' compliance teams have often been the source of innovative technologies with applications far beyond financial services. That is likely to hold true with artificial intelligence-related compliance solutions.