BankThink

Proposed rules for implementing the GENIUS Act demand close examination. While regulators' intentions are admirable, some of their suggestions threaten to create the very problems they are meant to resolve.

Congress needs to tread carefully as it creates new rules for stablecoins. Some of the proposals currently on the table could lead to a disruptive restructuring of financial services in the U.S.

As fintech firms rush to take advantage of a new regulatory attitude toward bank charter applications, their leaders are about to step into a very new compliance environment. They need to understand what they're getting themselves into.

The supposedly noble heritage of the National Bank Act and the federal preemption power that goes along with it has never stood up to serious scrutiny.

Credit unions have a long history of serving diverse members. In a climate where programs designed to promote diversity, equity and inclusion are under constant attack, they should double-down on that commitment.

As banks have adopted multifactor customer authentication systems, they have inadvertently made it more difficult for many disabled customers to access their accounts. The fix is less complicated than it appears.

Regulators have suggested changes to the ratings system they use to gauge banks' safety and soundness that would reduce scrutiny of management quality. It would leave them blind to clear signs of future problems.

A value resurgence will overtake growth-stock dominance — the catalysts are already in motion, says Bernard Horn of Polaris Capital Management.

Regulators have signaled that the speed of progress in generative and agentic artificial intelligence makes producing definitive guidance impractical. That does not remove banks' obligation to face up to their risks.