Todd H. Baker

A three-stage plan combining data analysis, public disclosure and market-based regulatory intervention would better align financial services with what consumers really need.

Elected officials are better off deciding who’s most deserving of federally backed coronavirus relief funds for small businesses.

Many borrowers will suffer unless the program, the central bank's latest response to the coronavirus pandemic, includes consumer loans issued by fintechs.

LendingClub and Varo Money are making inroads into the traditional financial system, but other fintechs still face long odds.

LendingClub and Varo Money are making inroads into the traditional financial system, but other fintechs still face long odds.

The fintech community was both surprised and energized by recent news that Visa has agreed to acquire Plaid, one of the nation’s largest fintech platforms for financial data analytics.

The acquisition will vastly expand Visa's platform, giving it nearly Amazon-like influence.

A more practical approach for U.S. regulators on whether to bring fintechs into the banking fold might be "better the devil you know than the devil you don’t."

A federal judge blocked state regulators from suing the agency over its new charter, but it’s still unclear whether fintechs would even apply.

A federal judge blocked state regulators from suing the agency over its new charter, but it’s still unclear whether fintechs would even apply.