Opinions

Reports of the death of branch banking have been greatly exaggerated.

The additional data that will become available as the economy slows should reveal the true strength of the technology companies some banks are working with and that should inform whether more regulation is required.

The cybersecurity crisis arising from super-fast computing is approaching more quickly than the industry and its regulators may realize.

The agency must take a principles-based approach rather than trying to cover every possible issue in detail.

Just as advances in automobile technology have made driving safer, incorporating AI into decision-making reduces financial risks.

Traditional banks already have the tools they need to win back consumers’ confidence, but they need to be smart about deploying them.

Agencies supervising lenders should make it clear that the transition to less discriminatory algorithms won’t be used to punish banks for their previous use of older, less effective systems.

A new and larger finance industry is emerging — one in which traditional institutions aren’t nearly as dominant as they used to be.

Without a rule standardizing data sharing standards, the Consumer Financial Protection Bureau risks the creation of a patchwork system of privacy standards as consumers seek the benefits of an open banking ecosystem.

The creation of a U.S. dollar central bank digital currency is an existential threat to the banking industry and needs to be treated as such.