Opinion News from American Banker

As artificial intelligence increasingly plays a role in the regulation of banks and other financial services firms, regulators need to be certain that these new systems aren't importing old biases into modern oversight.

Financial fraud in the U.S. has become so sophisticated that it now has its own internal economy, complete with supply chains and customer service. Banks need to wake up to the reality that the landscape has changed.

Policymakers in Washington have rarely been as aligned with the banking industry as they will be for the next year or two. Bankers should use this time to expand and fortify their businesses for the future.

The Small Business Administration plans to bar green-card holders from receiving federal small-business loans. The result will be devastating for large swathes of the U.S. economy, costing jobs and cutting tax revenue.

When even a savvy expert in payments systems can't efficiently manage the transfer of funds to relatives in a crisis zone, it demonstrates that the system is failing us. We can and must do better.

An immediate effort to unload some of the central bank's assets could do more harm than good. Fed chair nominee Kevin Warsh should first turn his attention to problems affecting banks' liquidity.

The federal government should step in to prevent an emerging patchwork of state regulations from stifling the benefits of applying the tools of generative artificial intelligence to the mortgage market.

In a future world where AI agents transacting in stablecoins are a major factor in the U.S. economy, the Fed's traditional metrics for identifying an economic downturn will leave policymakers dangerously behind the curve.

Being a good CFO does not always translate into being a good CEO. Ken Thomas identifies ten different kinds of CFOs who just aren't chief executive officer material.

Two years on from a federal report recommending the creation of a resolution fund to guard against disorderly bankruptcies, concentration among nonbank mortgage companies has only increased. Congress must take action to avoid a crisis.

The proliferation of so-called "Drainer-as-a-Service" platforms that allow low-skilled attackers to execute sophisticated fraud schemes present a challenge to banks as cryptocurrencies go more mainstream.

The "exorbitant privilege" the U.S. has long enjoyed because of the dollar's status as the world's reserve currency would be supercharged if global adoption of stablecoins leads to greatly increased demand.

Two large proxy advisory firms exert extraordinary and pernicious influence on public companies in the U.S. Congress must act to protect American businesses and the investors whose future relies on them.

It won't be long before bank customers can ask an AI agent to optimize their returns on idle cash. When it happens, banks' net interest income is going to come under direct threat.

Instead of fighting to keep the banking industry unchanged, perhaps it's time for banks to accept that change is inevitable and focus on adapting to remain competitive.

As tokenization increasingly brings instant settlement to transactions, the liquidity buffer that batch settlement has provided for decades is going to shrink and then disappear. Banks will need to rethink liquidity management.

While they may look like a tool for reinforcing customer's connection to their banks, loyalty coalitions present serious risks if they are not constructed properly and monitored continuously.

There are qualities in people and organizations that experts, trying to predict future performance, routinely miss. That includes internal alignment of team members around a strong corporate culture.

The risk facing U.S. banks is not that stablecoins will suddenly siphon deposits through yield alone. It is that deposits will gradually follow utility as financial experiences improve elsewhere.

As the Trump administration signals interest in reforming AML regulations, the industry must come together in support of new rules that promote efficiency and effectiveness in the fight against financial crime.