BankThink

Industrial loan companies play a vital role in local economies across the country, providing liquidity in areas that other banks overlook. Restricting the availability of ILC charters would be bad for business.

The effort by the Consumer Financial Protection Bureau, meant to benefit borrowers, has instead led to higher delinquency rates, increased defaults and more loans being sent to collections.

The real value of stablecoins lies in their ability to provide instant and secure transfers of value. But, in a world where every company has a bespoke stablecoin, that promise begins to break down quickly.

As artificial intelligence is integrated into more and more core banking operations, bank boards of directors need to make sure business continuity plans account for the possibility of AI system failures.

Conditional approval of a national bank charter used to be a virtual guarantee that an institution would open its doors. But the OCC's recent treatment of Erebor Bank suggests that banks with conditional approvals still have work to do.

There is a narrow window of opportunity for banks to position tokenized deposits as an alternative to stablecoins for customers seeking the convenience of cheap, blockchain-enabled payments.

National ad campaigns are impressive. But few things create more goodwill or lasting impact than visible, hands-on support of a community's youth, no matter the size of the bank.

Banks are beginning to engage with decentralized financial infrastructure. But until lawmakers create a foundation for allowing legally recognized entities like LLCs and nonprofits to govern these networks, compliance burdens will hinder full adoption.

The former chief national bank examiner for the Office of the Comptroller of the Currency sees welcome changes in the structure of federal banking supervision, but warns against the dangers of complacency.

The chief advocacy officer of the Defense Credit Union Council takes issue with the argument that a proposed increase to federal deposit insurance limits would be a "gift" to the credit union industry.