BankThink

Republicans and Democrats have made constructive inroads toward drafting a stablecoin bill this Congress. The next Congress needs to build on that progress — and think bigger.

Inconsistent rules for calculating bank capital threaten to cut off small banks from a key source of liquidity.

Bank regulators are considering a measure that would rewrite the rules implementing the Community Reinvestment Act. They should consider taking their existing rules seriously.

Small-business owners need all the savings they can get, but the proposed legislation will ultimately cost consumers and entrepreneurs.

Scams and fraud on real-time payment platforms are well documented. To solve the problem regulators, lawmakers and the public must acknowledge the inherent risks that come with a powerful new technology and develop rules to make it safer.

The possibility of regulatory chaos if the Consumer Financial Protection Bureau's funding is declared unconstitutional should not deter the courts from following the law.

Open data could be a game changer for small and medium-sized businesses. We need a regulatory structure that recognizes this.

FDIC data shows an uptick in the number of Americans with access to basic banking services. That momentum has to continue.

Rather than blaming the Federal Reserve, CFPB and other agencies for getting over their skis, I blame Congress for being unable to give them workable, solid power to solve agreed-upon policy objectives.

The board of the Federal Deposit Insurance Corp. is required by law to have a member with state bank supervisory experience. That perspective has been absent for too long.