PayThink

The American Bankers Association's assessment of the Biden administration's fair lending enforcement efforts makes questionable claims about a practice that remains a major problem in some U.S. communities.

A proposal before Congress to raise the federal deposit insurance cap to $10 million for non-interest-bearing business accounts would help community banks continue recycling deposits into local lending.

Financial services firms have a responsibility to help more people — especially younger generations — navigate an increasingly complex financial landscape with clarity, confidence and optimism.

Real due process in bank supervision is not merely administrative housekeeping — it is fundamental to the credibility, fairness and effectiveness of the regulatory system.

The enhanced Supplementary Leverage Ratio has for too long wrongly penalized low-risk market-making activity by U.S. banks. Targeted reforms come at a time when liquidity is about to be severely tested.

Noelle Acheson looks at how zero-knowledge proofs are more than a new way of looking at financial compliance — they also change how we understand the ownership of knowledge.

Allowing lenders to base mortgage decisions on single- or double-pull credit reporting would result in more risk to banks, and higher costs for borrowers.

The Federal Reserve's policies are pressuring banks' balance sheets. While Chairman Jerome Powell is talking about backing off quantitative tightening, he may be waiting too long.

Community Development Financial Institutions grew rapidly in recent years. Now, though, they face a slowdown. All CDFIs will have to get leaner and more efficient. For many, mergers might be the best solution.

The Fed hasn't been truly independent for 50 years, but the idea that it is keeps animating discussions about the central bank. True Fed independence will only arise under conditions of extensive reform.