PayThink

Regulatory bodies are making modifications to disclosure requirements with greater frequency, requiring issuers to spend time and money to make updates across what is often a complex mixture of products, communications and channels, says Messagepoint's Fred Harding.

Facebook’s cryptocurrency would not help underserved communities, despite the claims of its CEO, who is slated to appear before Congress this week.

It's time to establish a fintech commission.

Digital payments and new financial services add complexity to the rules, says Joel Sherwin of Weinberg Gonser LLP.

As requirements change, open standards can help governments feel confident that solutions are agnostic, flexible and safe from vendor lock-in, says the OSPT Alliance's Luiz Guimaraes.

Arleas Upton Kea shares her 30-year journey to become the first African-American woman to serve as deputy to the FDIC chairman and chief operating officer.

The real opportunity to achieve financial empowerment lies with the companies that are most intimately connected to people's lives, says Rapyd's Eric Rosenthal.

Credit unions have achieved success in areas like auto and consumer loans but there is still room for them to increase their home lending.

Our industry should work toward making cash easy to use in a digital environment with digital financial services at point of sale, gradually winning over cash users to our shared all-digital payment cause.

Congress should get behind the Fed's effort to launch a real-time payments service instead of getting in its way.