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American Banker readers share their views on the most pressing banking topics of the week. Comments are excerpted from reader response sections of AmericanBanker.com articles and our social media platforms.
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In response to CFPB Director Richard Cordray calling for bank account options to help customers avoid overdraft fees:

"Shorter Cordray: 'That's a lovely bank you have there. It would be awful if something were to happen to it.'"

Related Article: CFPB Urges Banks to Ditch Overdraft Accounts

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On why banks may not have supported Republican presidential candidate Donald Trump in the Iowa caucuses:

"I would think that a candidate who has declared bankruptcy four times would not be a favorite of bankers."

Related Article: What the Iowa Results Mean for Bankers

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In response to a credit union advocate's op-ed making the case for easing field-of-membership rules:

"Quit crying about how mistreated you are and convert to a bank charter if you want to be a bank."

Related Article: Criticism of CU Membership Rule Is Just Banker Noise

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Agreeing with the argument that marketing strategies focus too much on young customers:

"I have millennial children who are less tech-savvy when it comes to banking than my 80-year-old mother."

Related Article: Here Is What's Wrong with Millennial Marketing

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On the popularity of bank innovation labs to foster fintech startup ideas:

"An accurate take on the current fad of innovation labs and fintech accelerators. I don't agree, however, that these junkets will burnish banks' digital reputations. More likely, it will expose them as impressionable dilettantes."

Related Article: Bank Fintech Accelerators Are Destined to Die

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In a response to an op-ed arguing that bank-developed fintech accelerators will be short-lived (via <a href="http://bankinnovation.net/2016/02/fintech-accelerators-are-not-destined-to-die/" target="_blank">Bank Innovation</a>):

"With all due respect … , the future could not be brighter for fintech accelerators."

Related Article: Bank Fintech Accelerators Are Destined to Die

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In a comment thread discussing advantages credit unions have over banks:

"I've had more than one former banker friend who has gone to work for credit unions tell me they are shocked at the lack of regulations, oversight, accountability, etc. One kept laughing and saying he has to stop regularly and ask, 'Can this really be legal?'"

Related Article: Criticism of CU Membership Rule Is Just Banker Noise

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