PayThink

Blockchain-based tokenized financial products are rapidly advancing into asset classes like private credit and commercial real estate. American banks must lead, before global competitors set the terms.

Reports that the White House is considering naming Treasury Secretary Scott Bessent as the next chair of the Federal Reserve have raised eyebrows and speculation in Washington — especially in an administration with a penchant for assigning cabinet secretaries multiple jobs.

Small businesses are essential to the ongoing prosperity of the United States, but they are not well served by the country's largest banks. For everyone's sake, that needs to change.

The HUMPS Act, pending in Congress, would take necessary steps to begin putting some guardrails around regulators' assessment of the quality of banks' "management."

Banks can now make loans of less than $1,000 easily and profitably. Increasing their availability would benefit consumers, communities and, most of all, banks themselves.

Trump's bank regulatory team is advancing all types of wish-list reforms, some more radical than others. When, not if, the political winds change, banks should be ready for a sharp reversal, what could become a wave of "revenge regulations."

The government should allow and encourage financial institutions to deploy advanced technologies to protect customers from fraud enabled by agentic AI, instead of punishing them for innovating in response to new threats.

The creation of a Strategic Bitcoin Reserve creates a tempting target for bad actors, and raises the stakes for everyone in the areas of anti-money laundering, cybersecurity, market-volatility and sanctions-screening.

The STATES 2.0 Act, currently pending in Congress, would go a long way toward giving banks confidence that they can provide services to legal cannabis businesses without putting themselves in legal jeopardy.