BankThink

The claim that community bankers are somehow being manipulated into supporting changes to the CLARITY Act that would benefit big banks is wrong. The threat to deposits from stablecoin yield is real and dangerous.

As banks integrate AI into their systems, they are becoming accountable for decision-making architectures that they did not design and have no real insight into. That means they need to ask their vendors some hard questions.

Banks are investing in ever-more capable technology, from new banking apps to AI-enabled back-office systems. But what keeps customers coming back continues to be their relationships with real bankers.

A Federal Housing Finance Agency program that allows some homeowners to finance without mortgage insurance is the first step down the slippery slope to a more volatile mortgage market.

At a time when the client experience is growing increasingly similar across different banking platforms, the banks that succeed will be those that deliver services tailored to the precise needs of individual customers.

Legislation that would place new rules on organizations that help consumers reduce their debt burden should not exempt services that have historically favored the priorities of lenders over debtors.

Community banks stand to gain from the proliferation of stablecoins. Organized programs meant to convince community bankers that stablecoins will drain their deposits are disingenuous.

As regulators look to finalize the Basel III endgame rules, they would do the banking industry and American homebuyers a service by recognizing the risk-reducing role mortgage insurance plays on bank balance sheets.

In a shifting regulatory environment, CCOs must move from a posture of constraint toward one of enablement, becoming entrepreneurial strategic leaders.

The Trump administration's refusal to release funds appropriated by Congress for community development financial institutions is actively damaging programs that serve low-income Americans.