PayThink

Small and midsize banks have been a lifeline to startups and founders. In the aftermath of SVB's failure, it is vital to avoid further concentration of the industry around the largest banks.

Protections must extend to all rapid payment systems to prevent a race-to-the-bottom among both financial institutions and criminals.

Depositors' trust in their banks — and banks' trust in their customers — is the cornerstone of finance. The demise of Silvergate, Silicon Valley and Signature has demonstrated how fragile that trust can be, and how difficult it will be for regulators and bankers to win it back.

A community bank executive reflects on the leadership rules he has gleaned from the quirky television hit about an American football coach trying to navigate English Premier League soccer.

Federal banking regulators should allow banks to receive Community Reinvestment Act credit for making loans to community news organizations.

A new study finds that in the six months after a rate cap was imposed in Illinois, the number of subprime loans being made declined, and subprime borrowers reported a decline in their financial well-being.

The Supreme Court's insistence that Congress expressly authorize regulatory action on 'major questions' is destined to run afoul of the administration's efforts to set rules of the road for cryptocurrency.

Banks, flush with money to lend, will keep upward pressure on inflation in 2023 and perhaps several more years as they lend out their bloated reserve balances.

The Federal Housing Finance Agency head has said: "The status quo is not acceptable." She could not be more correct.

The only way for Fincen to assure that banks have the tools to identify illicit shell companies is for the agency to verify the information in its new beneficial ownership database.