BankThink

If there is any chance a Basel Committee standard could apply to community banks, U.S. regulators need to make every effort to consult with these institutions before agreeing to it.

Creditors who fear they (or their vendors) aren't in compliance may slow or stop making loans in order to avoid enforcement actions and lawsuits.

The Consumer Financial Protection Bureau will begin to take comments on how to write new regulations for the debt collection industry. These new rules could impact how often a debt can be sold and to whom it can be sold.

Banks that best leverage customer loyalty are accelerating the digital transformation, catering to select demographics and actively selling products to new and existing customers.

Receiving Wide Coverage …Atwitter About Twitter: The social-media network that's an unholy hybrid of news, opinions and procrastination priced its much-awaited initial public offering at $26 per share, above its underwriters' estimated range, for an initial valuation of $18 billion. (That's about $129 million per character that you're publishing for free in a typical 140-character Tweet.) Depending on how many shares are sold today in its first day of trading, the IPO is expected to raise up to $2.1 billion, the third biggest U.S. deal of the year and the second-biggest U.S. Internet IPO of all time, according to the Wall Street Journal.

The Consumer Financial Protection Bureau has created a database where borrowers can file complaints on payday loans.

Alex J. Pollock, resident fellow at the American Enterprise Institute in Washington, believes it is not too late to fix Dodd-Frank's credit ratings rule.

Big, flashy rewards are often too broad, too niche, or too complicated for consumers. Banks should follow Capital One's lead and switch to more straightforward (and sustainable) rewards programs.

If a technology problem has roiled your organization recently, there's an 80% chance someone in IT changed something they didn't fully understand.

"The Consumer Financial Protection Bureau is considering new rules to govern debt collection practices that could for the first time include banks and other creditors that are collecting their own debt," writes American Banker's Rachel Witkowski.