BankThink

Fincen just proposed the most significant reform to AML compliance in a generation, but its reporting forms are still broken. A handful of key changes would meaningfully reduce compliance burden without reducing investigative value.

Market mavens love to wax poetic about the so-called resilient consumer, but the reality is consumer spending is largely underwritten with credit, so it makes sense to keep an eye on credit trends.

Mainstream financial services firms moving into the crypto realm are rightly skittish about consolidating trading, custody, lending, staking and settlement in a single provider. The crypto industry is, instead, entering a world of "co-opetition."

The debate over how to define yield in terms of stablecoin rewards feels like the debate over how to define usury in medieval Europe.

Banks are scrambling to find their place in a rapidly growing market for stablecoins. Before making major commitments, though, they need to be sure of the market segment they're trying to compete in and who their opponents are.

Community Bank & Trust in Georgia, the second bank failure this year, shows what happens when bankers don't keep things simple.

Private credit in 2026 may be like subprime mortgages in 2008, but for banks, at least, the reality may be different this time around.

Jerome Powell has indicated that he will buck tradition by remaining on the Federal Reserve Board after his term as chair expires. Given the circumstances, he's making the responsible call.

The Trump administration's push for alternative investments in 401(k)s steamrolls ERISA law, argues Knut Rostad.

The Japan-linked risk for banks is not the exchange rate itself but the funding, collateral and rollover pressure behind it. Sudden volatility in the foreign exchange market will rapidly cascade into U.S. Treasury markets.