BankThink

NCUA’s decision to adopt RBC despite clear signs Congress doesn’t favor the measure could mean political fallout for the agency down the road.

The overhead transfer rate remains a primary concern for state charters, but NASCUS CEO Lucy Ito says progress is in sight.

Netflix's EMV Complaint; 'Waiting for Godot,' i.e., the Fed

The changes made 10 years ago reduced abusive bankruptcies and made our nation's economy more resilient. If Congress had gone further by regulating attorney fees and increasing penalties for fraud, the economy would be that much stronger.

The reform has returned bankruptcy to its intended function as a last resort for consumers, rather than a way for the wealthy to game the system at everyone else's expense.

As mobility has become embedded in the world’s cultures, issuers are feeling the heat to create their own mobile apps, but in an era of non-top data breaches and increasing identity theft, security fears abound.

The bureau's proposed standards would drive lenders out of short-term, small-dollar lending, just as the OCC's 2013 rules did. This time, however, there will be few, if any, regulated institutions left to fill the void.

The U.S. might be ahead of the rest of the world in some areas of security, but when it comes to protecting against credit card fraud, we're way behind.

B of A, Wells Fargo Offer Optimism; Square's Starbucks Experience

The EMV standards will change card security. But what may have more impact on the bottom line is churn.