The price of crude oil has fallen 25% in four months, but banks most closely tied to the energy industry aren't worried. They say risk-mitigation strategies make a bust unlikely, and it would take a severe and prolonged slump to hurt credit quality.

Top Stories

Don Beyer, a northern Virginia car dealer who's running for office as a Democrat, is hoping to bridge the vast divide between the industry and the CFPB.  more »
The Wells Fargo Digital Lab, which opened in late September, offers a glimpse of what banking could look like in years to come.  more »
New York banking regulator Benjamin Lawsky's latest crackdown on Ocwen Financial may undo Ocwen's deal to buy billions of dollars of mortgage-servicing rights from Wells Fargo, and it could complicate similar deals involving other banks and servicers.  read more »
The payments company and big-bank trade group plans to create a ubiquitous, real-time payment system over the coming years, supplementing the push for same-day settlement of ACH transactions.  read more »
Disruptors
BBVA Uses 'Android Strategy' to Manage Apple Pay Adoption
PHOENIX – BBVA has had success in several markets with mobile wallets that blend Near Field Communication (NFC), loyalty and other technologies. But this week's launch of Apple Pay is challenging the bank to ensure its card app remains relevant.  read more »
Richard Davis, the head of U.S. Bancorp, is generally known for conservative, reliable guidance, but he is sticking by his rosy forecast for 2015 despite an economy with a lot of question marks and his bank's flat third-quarter performance.  read more »
To win over younger customers, banks must offer free products that work straight out of the box, while also reducing red tape. To hire the best millennial-generation employees, banks need to appeal to younger workers' global values.  read more »
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