Camden R. Fine

By applying to become an industrial loan company, the fintech would be able to use insured deposit accounts as a cheap source of funding without having to comply with the tough rules banks face.

By applying to become an industrial loan company, the fintech would be able to use insured deposit accounts as a cheap source of funding without having to comply with the tough rules banks face.

Fannie Mae and Freddie Mac remain in conservatorship nearly a decade after the financial crisis, and there’s still no end in sight.

The outgoing head of the ICBA reflects on how technology and partisan politics have changed policymaking over the past 15 years.

The Trump administration should not name J. Mark McWatters as head of the consumer agency, given his lack of experience overseeing commercial banks and his leadership of the National Credit Union Administration, a cheerleader for the industry it supervises.

The Trump administration should not name J. Mark McWatters as head of the consumer agency, given his lack of experience overseeing commercial banks and his leadership of the National Credit Union Administration, a cheerleader for the industry it supervises.

Legislation advanced by the Senate banking panel has a good shot at passage, as long as lawmakers remain focused on helping community banks — not Wall Street.

Consolidation has led to too few community banks, which is amplified in areas where capital is needed most.

As eye-catching as the scandals at Wells Fargo are, the most shocking thing is that federal regulators have taken no meaningful action against the bank’s executives.

More than a decade after Walmart’s unsuccessful banking bid, the core reasons to oppose nonbank conglomerates owning banks remain the same.

With lawmakers bracing for a major policy undertaking to reform the government-sponsored enterprises, they can take comfort that they don’t need to start from scratch.

The risks associated with a megabank collapse still pose huge problems for the industry, despite assurances from the head of the nation’s largest bank.

By cutting back on paperwork requirements and regulatory red tape, policymakers can unleash the power of community banks to spur lending and economic growth.

The National Credit Union Administration rule expanding member business lending introduces new risks and lacks legal basis.

While the Wells Fargo scandal might offer marketing opportunities for community banks, there is concern about regulatory fallout that fails to distinguish between large and small banks.

The suggestion that any area has too many local institutions dismisses the importance of community banks and overlooks the dangerous effects of consolidation.

The Beltway debate between the retail and financial sectors over the electronic payment system has flared up again. While retailers are lobbying Congress to extend government price controls to credit card interchange rates, separate bills would repeal Durbin Amendment ceilings on debit card interchange and strengthen merchant security standards.

Now is the time to correct the mistakes of interchange price controls that harm consumers and community financial institutions to the benefit of merchants.

Real regulatory relief for community banks and stricter oversight of the biggest financial firms are steps that can increase investor interest in new banks.

I bear no hard feelings for the JPMorgan Chase CEO, but our disagreement underscores a rift between how Wall Street firms and community banks view the post-crisis landscape.