BankThink

A reasonable approach to comprehensive credit risk management can protect banks against the impact of a recession while ensuring the industry doesn't contribute to any potential economic volatility.

No one company can solve this credit scoring problem. Banks, fintechs and innovative startups must come together in partnership to share information and change the existing system.

Treasury Secretary Janet Yellen's latest remarks reaffirming the government's willingness to shore up uninsured deposits at troubled banks seem to have calmed markets, but sooner or later regulators are going to have to articulate an official policy.

A cap on deposit insurance for yield-bearing accounts will still provide necessary market discipline, but other important reforms are needed to assure the safety of the banking system.

Properly executed, the new anti-money-laundering program has the potential to cripple laundering networks by altering the landscape for financial services professionals.

The Home Loan banks should not be held harmless when they shovel billions of dollars in loans into troubled banks.

The idea that consumers and small businesses should be assessing banks' safety and soundness makes no sense today, if it ever did at all.

Small and midsize banks have been a lifeline to startups and founders. In the aftermath of SVB's failure, it is vital to avoid further concentration of the industry around the largest banks.

Protections must extend to all rapid payment systems to prevent a race-to-the-bottom among both financial institutions and criminals.

Depositors' trust in their banks — and banks' trust in their customers — is the cornerstone of finance. The demise of Silvergate, Silicon Valley and Signature has demonstrated how fragile that trust can be, and how difficult it will be for regulators and bankers to win it back.