BankThink

Fannie and Freddie's profits depend on having their obligations backed by the U.S. Treasury. Therefore they should have to pay a sensible price for this backstop — just like big banks.

Criminal Pleas No Longer Scary; Will Shelby Bill Beat the Odds?

If there was any question about the need for Congress to modernize our nation’s data-security laws, the recent settlement negotiation between Target and MasterCard should put all doubts to rest.

It took three or so days to settle stock trades. What if that could happen instantly and be recorded on a blockchain for everyone to see?

For all the excitement about the blockchain's potential to shake up the financial industry, few people understand how it works. The really revolutionary part of the blockchain process is how miners manage to keep records of transactions accurate and tamper-proof.

Lawsky's Next Act; Will Forex Fines Deter Bad Behavior?

While young consumers do not have a past with legacy payments methods and are most open to new innovation, most new payment systems are not adequately focused on the youth market.

The proposed legislation for regulatory relief seeks to roll back critical mortgage protections put in place to prevent another housing crisis.

Critics of the regulatory relief bill proposed by Sen. Richard Shelby argue that will endanger the financial system and benefit big banks. But in fact, the changes offer sensible, nonpartisan fixes to some of the biggest problems with the Dodd-Frank Act.

Let Target's settlement with MasterCard over the retailer's massive data breach serve as a reminder of the need for all participants in the payments system to play by the same set of rules.