BankThink

Technology innovation and the level of consumer understanding about fintech options are critical missing pieces of Community Reinvestment Act policy.

The OCC’s draft fintech charter requirements are far from perfect. States can seize this chance and collectively create a better regulatory environment for fintechs.

Digital currency proponents now pin their hopes on a bitcoin futures contract; bank reaches $110 million settlement with customers over phony accounts but gets "needs to improve" CRA rating.

Machine learning, Siri and Alexa are taking off quickly, particularly among younger consumers. Banks and payment companies need to get in the game now.

Richard Hunt of the Consumer Bankers Association on reg reform, the chances for a Durbin rollback and more.

Suspending Fannie Mae and Freddie Mac's regular dividend payments to the Treasury, thus enabling the companies to replenish their reserve capital, would put their future on better footing.

The Office of the Comptroller of the Currency is trying to do its part to address fintech regulation, but the OCC lacks the mandate to solve the broader fintech issues facing the entire financial ecosystem.

Former "Bond King" and the firm he co-founded patch up their differences for a reported $81 million; Supreme Court inaction means merchants can pursue more claims against Visa and Mastercard over swipe fees.

Passwords are often restrictive, undynanmic and draw attention from fraudsters. And there's also the risk of repeated cybercrime linked to old authentication.

From SoFi to Venmo, fintech competitors are creating a customer experience that is so fast and easy community bankers like Julieann Thurlow cannot help but worry.