Phil Goldfeder

EWA programs are not loans, no matter how loudly critics insist that they are. They provide a vital source of liquidity to hardworking families.

If the Supreme Court strikes down CFPB regulations by ruling against the constitutionality of the agency's structure, technological innovation will be harder for banks to achieve as regulatory clarity moves further out of reach.

The Fed's real-time payments system won't be up and running for years, but consumers and businesses demand faster payments today.

The Fed's real-time payments system won't be up and running for years, but consumers and businesses demand faster payments today.