= Subscriber content; or subscribe now to access all American Banker content.
SEAT AT THE TABLE: "One of the expectations of today's CRO is that we have the proper stature in the company that we have access to all of those [strategic] decisions," said Regions Financial Chief Risk Officer C. Matthew Lusco.

Top Stories

Banks used to have almost no involvement with the U.S. patent system, but recently some large institutions, like Bank of America and JPMorgan, have begun locking down intellectual-property rights. The effort appears to be aimed at fending off patent trolls, and it raises fresh questions about which activities are legitimate for financial institutions.  more »
Allowing real estate investment trusts to bridge the capital need for affordable housing could help de-escalate a rising public funding crisis.  more »
PayPal, Amazon, Square and American Express have all built new businesses by extending credit to merchants that already rely on their payment networks. Their client relationships give them certain advantages over banks, marketplace lenders and others.  read more »
After it all but stopped making real estate and development loans following the housing crash, Farmers & Merchants Bank has increased its real estate loans by more than 61% over the last two years. It's a figure that's likely to keep rising as California's real estate market heats up and the $5.6 billion-asset bank continues to add commercial real estate, construction and mortgage lending specialists to keep pace.  read more »
FinTech Forward
Why London's Fintech Startup Scene Is Growing Fast
Investment in London fintech firms is soaring and young companies are being drawn to the area, especially the Canary Wharf district, thanks to the efforts of incubator Level39, a vibrant social scene, and close proximity to large banks.  read more »
Always-connected workers report feelings of guilt as well as privacy concerns around the use of mobile devices for personal matters at work, and vice versa. Bank CIOs are facing this challenge with software tools and mobile device management policies.  read more »
Green Dot MoneyPak cards were phased out late last year because of fraud concerns, but they are finding a new life on Netflix. The hit show "Orange Is the New Black" features the prepaid reload cards in a storyline in the women's prison that houses the main characters.  read more »
In the aftermath of passage of a sweeping law like Dodd-Frank, sharp divisions are common. What's unusual is the way the divide has persisted five years later, and in many ways has even hardened.  read more »
Several years have passed since ING's high-profile sale of its U.S. online-banking business, but it quietly remained an active player in commercial lending. Now the Dutch bank, which recently added a sixth U.S. business-lending office, hopes the energy boom will propel its growth here.  read more »
Banks are making meaningful progress with customers in regaining the trust they lost during the financial crisis. For the first time in our annual survey, no bank had a weak reputation and some achieved "excellent" status.  read more »
Player Template for http://www.americanbanker.com