BankThink

Following President Trump's aggressive bank deregulation agenda, the FDIC and OCC, and occasionally the increasingly politicized Fed, are in a race to slash compliance requirements. Bankers should remember that the pendulum can always swing back.

As the Federal Reserve's quantitative tightening efforts fade into history, the major engine of economic growth in the U.S. will be bank lending. Regulators should keep a close eye on where those dollars are going.

Industrial loan companies play a vital role in local economies across the country, providing liquidity in areas that other banks overlook. Restricting the availability of ILC charters would be bad for business.

The effort by the Consumer Financial Protection Bureau, meant to benefit borrowers, has instead led to higher delinquency rates, increased defaults and more loans being sent to collections.

The real value of stablecoins lies in their ability to provide instant and secure transfers of value. But, in a world where every company has a bespoke stablecoin, that promise begins to break down quickly.