PayThink

The section of the bill addressing stablecoin rewards is the product of a hard-won bipartisan compromise. Efforts to reword it would not only create confusion, but would seriously endanger its passage.

In assessing the strength of banks' management, regulators need to work with stakeholders to develop a set of evidence protocols, analytical frameworks, and illustrative metrics that will allow fair, consistent and proactive measurement.

Tokenization projects are no longer viewed as modernization initiatives, but rather as a potential source of new revenue, lower operating costs, improved capital efficiency and differentiated products.

One of the benefits of the Clarity Act is that it would codify much of digital asset firms' anti-money-laundering responsibilities. This is good news for banks that have been understandably nervous about counterparty risk.

Settlement services, whose debt-reduction models require advising borrowers to default on their loans, wreak havoc on their customers' credit ratings, often leaving them worse off than they were before.

The claim that community bankers are somehow being manipulated into supporting changes to the CLARITY Act that would benefit big banks is wrong. The threat to deposits from stablecoin yield is real and dangerous.

As banks integrate AI into their systems, they are becoming accountable for decision-making architectures that they did not design and have no real insight into. That means they need to ask their vendors some hard questions.

Banks are investing in ever-more capable technology, from new banking apps to AI-enabled back-office systems. But what keeps customers coming back continues to be their relationships with real bankers.

A Federal Housing Finance Agency program that allows some homeowners to finance without mortgage insurance is the first step down the slippery slope to a more volatile mortgage market.

At a time when the client experience is growing increasingly similar across different banking platforms, the banks that succeed will be those that deliver services tailored to the precise needs of individual customers.