BankThink

Artificial intelligence can help cut bias out of credit models. The Consumer Financial Protection Bureau should make it easier for lenders to adopt it.

During the pandemic, many banks adopted programs that helped struggling families find stability. Make that a permanent strategy.

In recent years, stress tests have not accounted for some very clear real-world risks. This must change immediately.

Nominating and confirming acting Comptroller Michael Hsu would solve a serious problem in a good way.

The debt ceiling is a law that can only end in disaster. Congress should replace it with a constitutional amendment that requires federal budgets to be balanced and passed on time.

A better understanding of the likelihood of deposit flight would help banks avoid the kind of run that led to the failure of Silicon Valley Bank.

The Chinese government has forced banks to deny Chinese emigrants access to their retirement savings. What Beijing will demand next is anybody's guess.

Already well-established in other countries, a conduct risk authority would monitor banks for the kind of risky behavior that the current examination regime might miss.

While the central bank's reverse-repurchase facility generally works to stabilize the financial system, under certain circumstances it would spark a rapid flow of deposits out of banks. A growth cap would prevent that problem.

Antiquated rules separating banking and commerce are preventing an infusion of capital that would revitalize the banking market.