PayThink

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.

Replacing employees is expensive in terms of both time and money. The real management challenge is identifying the drivers of employee churn and eliminating them.

When a bank's customer dies, a patchwork of rules and regulations that vary by jurisdiction create a potential nightmare for survivors and creditors alike. The industry should converge around agreed-on best practices.

Banks should seize the opportunity to assert themselves as a key partner for consumers when it comes to verifying their identities across multiple platforms and services.

Disgraced financier Jeffrey Epstein continued to receive privileged access to financial services well after his crimes were revealed. This exposes a troubling side of the U.S. banking industry that deserves closer examination.

Stablecoins aren't fungible, and yet they're considered an on-chain substitute for money. Noelle Acheson argues that this is about more than a shift in definitions.