BankThink

There are shortcomings in prevailing chargeback procedures that are costing merchants billions of dollars each year.

Some believe the capital markets need prudential regulation to protect the system from danger, but here's why that is a false assumption.

While many fintech companies are trying to disrupt banking niches, the blockchain has the greatest potential to completely transform finance the way Uber and others have done for their industries.

Eyes on Loan Caps, Bonus Clawbacks, Coal

Prepaid cards and mobile wallets have become major disruptive forces in the financial services industry.

House Financial Services Committee members asked CFPB Director Richard Cordray tough questions this week — but they let their own theatrics trump substance, using their time to berate the CFPB chief rather than engaging in substantive discussion.

Creating a bipartisan commission to manage the Consumer Financial Protection Bureau will make the agency's rules longer-lasting and place needed checks on the director's authority.

Big-Bank Stocks Stay Cheap; Moynihan: Big Is Good

More loans means more profit, so why would anyone ask if there’s a dark side to loan growth? Because more loans also means more that can go wrong.

I made a provocative comment, as it turned out, during my keynote at a recent conference. The comment was picked up in a press article that reported I said "the coding behind virtual currency bitcoin could also prove to be enormously transformational, potentially even replacing the Swift network for interbank payments."