BankThink

New federal standards for responsible lending should trigger a surge of new capital into underserved communities, as concerns about reputational risk are allayed.

While stablecoins do find utility as a base currency for navigating between volatile cryptocurrencies, their broader application as a fiat money alternative remains elusive.

Like a ratchet, price controls in the payments industry move only one way, destroying value and reducing incentives for innovation.

The country's largest credit union is learning the hard way that failure to assure inclusivity in lending practices is a recipe for both financial and reputational damage.

An initiative in Baltimore to use blockchain tech to track and manage vacant properties is a prime example of how blockchain can help solve stubborn problems, even if it isn't ready to revolutionize the fundamentals of commerce.

The CFPB's plan to block medical debt from appearing on credit reports will have damaging unintended consequences, limiting consumer access to both credit and health care.

Banks need to mount an aggressive legal response to the onslaught of intrusive new rules being promulgated by their prudential regulators.

The use of digital wallets to finance the Hamas attack on Israel highlights the need for tighter controls on the transfer of cryptocurrencies.

Banks have a simple choice: Either invest in fraud controls to prepare for FedNow, or expect draconian supervisory measures that will increase friction and confuse customers.

When you centralize a blockchain, you lose much of its inherent value. Acting Comptroller Michael Hsu's support for centralized tokenization betrays a misunderstanding of the value of decentralization.