PayThink

Bank regulators should heed the Treasury Department's call to embrace cutting-edge tools for credit scoring.

Revelations that Silvergate has $4.3 billion in Home Loan bank advances highlight another conduit by which the crypto winter could spread to the broader financial system.

U.S. regulators show far too much deference to an international body with no actual legal authority.

Burdensome regulations have decimated correspondent banking relationships, harming the most vulnerable in the U.S. and abroad.

Rules being considered by the Financial Crimes Enforcement Network would needlessly hinder banks seeking to do due diligence on their customers.

The 118th Congress began today by failing to select a speaker of the House on the first ballot. That doesn't bode well for anything, but especially the federal debt ceiling.

Lenders must not use new technology and increased access to credit products as a way to exploit borrowers into overextension.

The FTX collapse and other recent disasters in the cryptocurrency space show that there is an urgent need for oversight. A self-regulatory body would get there fastest, while preserving the ethos of cryptocurrency.

Your best future employees aren't looking for banking jobs. Successful hiring requires actively seeking out talent.

Two long-awaited developments — the Consumer Financial Protection Bureau's data access proposal and the Federal Reserve's faster payments network debut — are slated for next year. The combined effect on consumer banking might be more consequential than we now know.