BankThink

Moody's decision to downgrade some banks' bond ratings isn't great news, but life will go on. The bigger and more difficult problem is shoring up U.S. sovereign debt ratings in the long-term.

Many small-business lenders have less than 18 months to figure out how to gather and report on an extensive array of data.

India's Unified Payments Interface has been an extraordinary success. The Fed should take careful note of how the system came to dominate the Indian economy.

Generative artificial intelligence could make it possible for borrowers to understand how their behavior reflects their creditworthiness, and create better outcomes for everyone.

Critics of the Federal Home Loan banks fundamentally misunderstand the purpose and necessity of the system.

In 18 states, consumers are not allowed to use trained debt resolution professionals to seek relief from their creditors. That needs to change.

The Federal Reserve's much-awaited Basel III proposal would raise capital significantly for the largest banks, a move that neither the international agreement nor the moment requires. Somehow that square is going to get circled.

The decision to allow lenders to review only two credit reports for mortgage applicants will harm homebuyers with less than perfect credit.

U.S. financial institutions should look to the U.K. for tips on fighting real-time payments fraud.

Business cards provide a tactile experience that digital forms of communication do not replicate. They offer a tangible reminder of a discussion, which can be far more memorable.