A two-tiered system of regulation could encourage small banks to maintain their relationship-based business model and prevent big banks from using insured deposits to conduct risky activities.

Home BancShares in Conway, Ark., has found another opportunity in the failure of Doral Bank.

Wintrust Financial in Rosemont, Ill., has announced its second acquisition in four days.

American Banker readers share their views on the most pressing banking topics of the week. Comments are excerpted from reader response sections of AmericanBanker.com articles and from social media platforms.

The Office of the Comptroller of the Currency appointed Richard Taft to be its next deputy comptroller for credit risk.

First Financial Bankshares in Abilene, Texas, has agreed to buy FBC Bancshares in Conroe, Texas.

Wells Fargo's quality-control procedures will play a key role in a closely watched mortgage-fraud case that could go to trial this summer. Federal prosecutors are using the bank's internal reports to allege its executives knew about deficient loans.

The bill would require written contract amendments, signed by the lender, for most loans. Legislators took up the issue after a judge in the state sided with a borrower's claim of having an oral agreement from Bank of America to modify a mortgage.

As the industry's recovery boosts hopes of new-bank activity, some are already focused on what the greater stability could mean for the embattled industrial loan company charter.

FIS has designated a permanent area in its San Francisco office to test and showcase mobile banking and payment apps, highlighting the pressure on traditional vendors to stay current on emerging technologies and recruit young tech talent.

CenterState Bank used April Fools' Day to unveil a fake #GreedTogether campaign that mocks Starbucks, McDonald's and the banking industry, promising ridiculous cash-back rewards and clothing printed with pictures of cash.

The Consumer Financial Protection Bureau has released its annual report to Congress, detailing enforcement actions in 2014 and the status of coming up with rules for the collection industry.

The $5 billion-asset company said in a press release Tuesday that Gail Ball recently served as head of the payment studies group at the Federal Reserve Bank of Richmond.

The Office of the Comptroller of the Currency appointed Richard Taft to be its next deputy comptroller for credit risk.

Millennials may be a critical market segment for some banks, but the people now in their 20s and 30s also tend to be low-balance, transitory accountholders. It may make more sense for banks to focus their marketing dollars on the ex-slackers known as Gen X instead.

A New York judge dismissed a lawsuit alleging HSBC Holdings Plc violated a law requiring lenders to file paperwork entitling homeowners to settlement conferences within 60 days to negotiate loan modifications.

In-store bankers are experts in finding creative ways to catch potential customers' attention. That's a skill that every modern bank employee needs to hone.

Community Banker University will provide courses on topics ranging from wealth management and call reports to information technology and compliance. The platform will use a variety of channels such as in-person training and webinars.

Carolina Bank Holdings in Greensboro, N.C., has raised $15.1 million through a private placement of convertible preferred stock.

West Virginia Gov. Earl Ray Tomblin signed SB 542 into law on Tuesday, clarifying provisions of the West Virginia Consumer Credit and Protection Act.