PayThink

The proposal to streamline the Small Business Administration's signature program and expand the number of available lending licenses would benefit underserved communities.

The run on Silicon Valley Bank was blunted by delays in wire transfer executions. FedNow will make bank runs much more efficient at draining deposits.

The head of the Council of Federal Home Loan Banks argues that the special lien status of Home Loan bank advances, created by legislation in the 1980s, is largely irrelevant in today's marketplace.

The FDIC seems poised to let small banks off the hook for replenishing the deposit insurance fund after Silicon Valley Bank and Signature Bank's failures last month. But regulators should remember that small banks can still pose systemic risks.

In an open letter to National Credit Union Administration Chairman Todd Harper, NAFCU's B. Dan Berger calls for the 89-year-old interest rate ceiling to be reconsidered.

The chief strategy officer of Circle argues that the future of the industry hinges on what market participants — and Congress — choose to do right now.

Regulators had their priorities backward when it came to overseeing SVB and allowed an obvious danger to go unmitigated.

A former Citigroup CEO argues that effective federal guarantees on all bank deposits should be formalized, severing the connection between deposit-taking and lending.

Minority depository institutions are well-placed to direct money from the Greenhouse Gas Reduction Fund to high-impact projects in underserved communities.

The Twittersphere erupted last week with incorrect conflations of the Federal Reserve's imminent faster payments network and exceedingly nascent interest in a central bank digital currency. Those misunderstandings could pose a real risk to FedNow implementation.