BankThink

The differences in business model between commercial banks and universal banks should not be ignored as Congress works to recalibrate the regulatory regime.

CFPB director’s departure gives President Trump the chance to revamp the agency; the bank regulator is reverting to its industry-friendly ways.

The advent of blockchain technology may prove to be disruptive to traditional credit reporting agencies by decentralizing data aggregation and allowing consumers to take ownership of their data through a personalized wallet they could share with prospective lenders, writes Alexander Koles, CEO, founder and managing director of Evolve Capital Partners.

Zelle seemed like banks' catch-up attempt, but it may prove to be a true innovation.

Investors should ask questions about the market necessity of the coin, which economic model underpins it, and how transparent the company is being about its progress to date, writes Shidan Gouran, president and COO of Global Blockchain Technologies Corp.

Evidence that the credit characteristics of online installment borrowers at the time of repayment are consistently worse than at the time of borrowing should be a sobering thought for lenders that have not been fully tested in a credit downturn.

Departing chairman Martin Gruenberg says the financial system is still vulnerable to unforeseen shocks; bank offers ways for customers to avoid overdraft fees.

There's talk of a bubble, but cryptocurrency creates value in different ways, so traditional market analysis doesn’t work, writes Mariam Nishanian, a representative for Dentacoin.

The most popular P-to-P schemes such as Venmo are still linked to an underlying payment card, meant to benefit “pull” payment incumbents, according to RPGC's Rene Pelegero.

Policymakers have made significant progress in the assigning of regulatory accountability, but more work is necessary.