Phil Goldfeder

The benefits of open banking are obvious and significant for consumers — especially those underserved by the current marketplace. Bankers and regulators should work to speed up its implementation.

The incoming Trump administration, and state-level government across the country, should use the election as an opportunity to bring the supervisory treatment of fintech into line with the new reality of financial services.

The Consumer Financial Protection Bureau reversed itself, declaring that earned wage access programs, which conduct no underwriting and charge no interest, are loans. This is a disservice to the industry and consumers.

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.