FHFA Director Mel Watt (Bloomberg News)
CONCILIATOR MODE: "We recognize that you are essential stakeholders in this process," FHFA Director Mel Watt told lenders. "The work you do touches borrowers in communities across the country."
The GSE regulator's second attempt to stimulate the mortgage market is receiving a lukewarm reception from lenders, who remain gun-shy after being forced by Fannie and Freddie to repurchase billions of dollars in soured loans since 2008.

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Banks are bound to confront knotty privacy questions as they strive to make smarter use of customer data and experiment with technologies like wireless beacons, geolocation and algorithm-recommended offers.  more »
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Disruptors
BBVA Uses 'Android Strategy' to Manage Apple Pay Adoption
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René Jones, CFO of the Buffalo, N.Y., bank, artfully dodged more than a dozen versions of the same question from analysts: when, and if, is M&T's deal to buy Hudson City Bancorp going to get done?  read more »
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