PayThink

In a contentious hearing in the House Financial Services Committee, congressional Democrats evinced serious skepticism about the Federal Home Loan Bank System. That could bode ill for the Home Loan banks should control of the House flip in November.

The future of on-chain finance in the U.S. is dependent on there being statutory certainty about the rules of the road. The Clarity Act may not be perfect, but passing it is essential to maintaining U.S. leadership in the field.

The Federal Home Loan Bank System is a vital part of the country's housing market, but over the years, misunderstandings and misleading statistics have muddied the picture when it comes to assessing their importance.

The joint American Banker-Capital Performance Group study of 2025's top-performing banks reveals that for institutions under $2 billion of assets, success comes from a fee-income engine, a defensible lending niche and radical cost discipline.

America's smallest bank, with just $3.7 million of assets, survived for more than a century, including the Great Depression and the Great Recession. But, it could not survive overzealous regulators.

Return-to-office mandates in the financial services world are based more on senior executives' "gut" feelings than on real data. In many cases their main effect is to add stress to the lives of front-line employees.

The biggest barrier to effective adoption of AI within banks is not the capability of the AI systems themselves, but the failure to recognize that the technology is only as good as the underlying systems it helps automate.

If the Federal Reserve wants to keep the U.S. dollar competitive in the 21st century it must move boldly to declare dollar-backed stablecoins equivalent to other forms of money.

Securities and Exchange Commission Chair Paul Atkins' effort to rein in the agency's bureaucrats is a welcome move. However, hundreds of firms damaged by unconstitutional prosecutions deserve public exoneration.