Opinion News from American Banker

Real due process in bank supervision is not merely administrative housekeeping — it is fundamental to the credibility, fairness and effectiveness of the regulatory system.

The enhanced Supplementary Leverage Ratio has for too long wrongly penalized low-risk market-making activity by U.S. banks. Targeted reforms come at a time when liquidity is about to be severely tested.

Noelle Acheson looks at how zero-knowledge proofs are more than a new way of looking at financial compliance — they also change how we understand the ownership of knowledge.

Allowing lenders to base mortgage decisions on single- or double-pull credit reporting would result in more risk to banks, and higher costs for borrowers.

The Federal Reserve's policies are pressuring banks' balance sheets. While Chairman Jerome Powell is talking about backing off quantitative tightening, he may be waiting too long.

Community Development Financial Institutions grew rapidly in recent years. Now, though, they face a slowdown. All CDFIs will have to get leaner and more efficient. For many, mergers might be the best solution.

The Fed hasn't been truly independent for 50 years, but the idea that it is keeps animating discussions about the central bank. True Fed independence will only arise under conditions of extensive reform.

Artificial intelligence offers debt collection companies the opportunity to vastly improve margins while achieving higher levels of regulatory compliance and maximizing scalability.

A former chair of the Federal Deposit Insurance Corp. argues that community banking in the U.S. is being slowly strangled by regulations that place heavier burdens on small banks than on giant ones.

Noelle Acheson argues that broad choice between stablecoins is good for users and for the ecosystem — and any confusion can be smoothed by technical and design solutions.

The failure to reauthorize protections for information exchange under the Cybersecurity Information Sharing Act has created a dangerous gap in our protection against cyber criminals and hostile state actors.

The demise of the banking industry in the U.S. has been incorrectly predicted for generations. The truth is that the industry never dies, because it never stands still.

As the likelihood of conflict in the Taiwan Strait grows, banks ought to be beefing up their sanctions compliance teams to deal with a huge increase in activity. Unfortunately, they are doing exactly the opposite.

A recent Federal Reserve ruling makes it possible for banks to accept cryptocurrency as collateral for private transactions. It's an important step toward integrating digital assets into the financial system.

As the issuance of stablecoins by businesses outside the financial industry expands, some of the products and services traditionally handled by banks might begin to migrate to retailers and other market participants.

A new financial architecture is forming underneath the world's largest pools of capital. The winners will be those who recognize that standards built now will define economic value transfer for a generation.

Banks that embrace, promote, and support a principled sales culture discover that it not only fuels growth but also strengthens their brand and deepens customer trust.

The recent initial public offering of cryptocurrency exchange Bullish was remarkable in that the company received the proceeds in stablecoins. The move could signal a revolution in finance.

The Office of Management and Budget has prevented billions of dollars from flowing to community development financial institutions, preventing those funds from supporting housing development.

By encoding and decentralizing on-chain identity management, soulbound tokens enable institutions to streamline compliance while introducing a base for new services.