PayThink

If capital requirements are increased, they must be constructed in a way that doesn't unduly burden smaller banks and their fintech partners.

Many of the fees that the agency derides as unnecessary are funds owed to medical practices, homebuilders and educational institutions.

The regulatory overhaul for large and midsized banks could lead to stronger pressure for those banks to merge in the coming years while leaving smaller banks less competitive — and arguably less stable.

Consistent wins aren't typically about continuously introducing novel strategies, but about better and more consistent execution with proven ones.

The need to create a pipeline of female leaders in the male-dominated fintech space is urgent and deserves the industry's attention.

An effort to ensure banking services are available to legal businesses is being undermined by groups trying to rewrite the history of regulatory overreach related to supposed reputational risk.

While federal efforts to provide funding for minority small businesses wither, a lawsuit seeks to shut down an effective source of private capital.

No matter how good generative artificial intelligence gets, consumers navigating the purchase of complex financial products will always demand the attention of expert human advisors.

It's hard to see FedNow as a revolutionary solution because it's not actually much newer, faster or cheaper in many cases than existing payment services.

Congress must act to ban nonbanks from issuing stablecoins. The products are virtually equivalent to bank deposits, and should be regulated as such.