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"The incentives around the size and complexity have to be addressed, and … if you hold a sufficient amount of capital, it causes shareholders to ask, 'How are the incentives for the kinds of returns we want?'" said Kansas City Federal Reserve Bank President Esther George.
Kansas City Federal Reserve Bank President Esther George is best known nationally as a critic of the Fed's monetary policy, but in a wide-ranging interview she talks about Dodd-Frank, bank capitalization and the challenges facing community banking, in addition to interest rates.

Top Stories

Familiar names — and more than a dozen newbies — can be found in our annual ranking of the nation’s most employee-friendly banks. Find out who earned a spot on the list and why these 60 banks are so successful at keeping their employees happy and engaged.  more »
Loyalty programs are likely the underpinning of the adoption of mobile payments, so banks need to make sure reward points are part of their digital offerings.  more »
Banks are playing a more active role in the next phase of fintech, both as investors and partners, says David Sica, partner at venture capital firm Nyca. That change is shaping how the firm looks at new investments.  read more »
U.S. acquisitions have buoyed profits at Canada’s biggest banks, whose domestic economy is sluggish and possibly on the verge of a housing crisis. The banks are expected to pursue more M&A in the U.S. if that problem persists.  read more »
FinTech Forward
Why Banks Won't Be Left Out of Fintech 2.0
Banks are playing a more active role in the next phase of fintech, both as investors and partners, says David Sica, partner at venture capital firm Nyca. That change is shaping how the firm looks at new investments.  read more »
Hillary Clinton's proposal for regulatory relief for smaller institutions largely tracks with ideas already discussed, but her backing could keep alive the momentum for a reg relief plan should she win in November.  read more »
Many lenders are still reluctant to give mortgages to borrowers with less-than-pristine credit, yet such loans are far more likely than prime jumbo loans to be bundled into collateral bonds. Sreeni Prabhu of Angel Oak Capital credits banks' behavior and higher interest rates for that reality.  read more »
Medallion Financial, trying to diversify beyond its traditional business of financing taxi drivers, plans to issue loans on behalf of web-based lenders. But that new strategy faces some potential pitfalls.  read more »
Will Tech Advances Hurt the Underbanked?
It's long been assumed that technology will help the financially underserved access the banking services they need. Christine Duhaime, founder of the Digital Financial Institute, a fintech think-tank, says this assumption is wrong.
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