BankThink

Allowing “stablecoin banks” access to the benefits of a bank charter without the obligation to carry federal deposit insurance creates moral hazard on steroids.

If the inflation figures begin to move lower, then there is a reasonable chance of working through this cycle of rising rates without experiencing a recession.

Community development financial institutions proved themselves indispensable during the COVID-19 pandemic. They have earned a seat at the table.

Constraining consolidation will only hurt the goal of expanding consumers' access to banking services and credit.

The agency’s proposed data collection and reporting requirements would disproportionately burden community banks, which lead the nation in small-business lending.

The Biden administration’s continued extension of a student loan payment moratorium and the uncertain future of a debt forgiveness plan are causing confusion and uncertainty.

The creation of a U.S. dollar central bank digital currency is an existential threat to the banking industry and needs to be treated as such.

For all of the regulators’ progress over the years, many are still relying on an internal technology framework that was built for 1992, not 2022.

To create sensible rules around decentralized finance, regulators have to have an open discussion with businesses in the industry. To do that, they must create a path for collaboration.

Widespread sharing of financial and other data creates enormous privacy risks for consumers, many of whom have no real understanding of the danger.