BankThink

Insured deposit caps are now practically meaningless, and current rules for setting deposit insurance premiums do little to block banks' excessive risk taking. There's a better way.

Besides negating the benefits of a central bank digital currency, the Federal Reserve's real-time payments system will bring about numerous positive changes, including helping consumers who live paycheck to paycheck.

The real-time payments system from the Federal Reserve will spur an increase in payments innovations and drive prices lower for existing products.

There are existing ways to authenticate third-party permissioned data access that don't involve screen-scraping or expensive token-based systems.

At best, artificial intelligence will be a tool that helps good bankers be better at their jobs. It won't replace them.

The Federal Reserve's final rule severely restricting the ability of state member banks to engage in crypto-related activities was released without a legally required period of notice and comment.

In his new book, the technology and financial services veteran Thomas Vartanian explores how countries could band together to create a more secure digital world while explaining what's holding society back from achieving this.

The Financial Stability Oversight Council is clearing the administrative road to designate nonbank firms and activities as systemically risky, but if it wants those designations to stick it needs the public on its side.

Federal officials should have protected both banks' uninsured depositors by following the law's carefully designed framework for dealing with failures of systemically important banks.

Federal officials should have protected both banks' uninsured depositors by following the law's carefully designed framework for dealing with failures of systemically important banks.