PayThink

A revised Basel III endgame proposal from the Federal Reserve would fundamentally change the economics of mortgage lending for banks — improving returns, reshaping pricing and reopening a market they sidelined.

Regulators must move toward a more workable model that regulates the intermediaries that custody and control assets, not the underlying software. This would actually be the smarter choice, as blockchains provide transparency and thus better compliance than in traditional banking.

There is a difference between combating discrimination and forcing bankers to ignore problems.

Reports show banks and the agencies that regulate them are both very vulnerable to fast-moving cyber attackers exploiting loopholes in computer systems.

The managing director of a multifamily office shares the tech that reduces drudgery and amplifies empathy — and an easy screen to help advisors steer clear of the dreaded "AI ick."

While disparate impact has never been under greater legal pressure, its influence on the future of housing policy and even employment continues to grow, showing that reducing discriminatory effects is good for business.

Joint guidance from the Federal Reserve and Office of the Comptroller of the Currency on managing model risk leaves many concerns about artificial intelligence, and especially agentic AI, for bankers to sort out themselves.

The incredible demand for credit, numbers reaching into the trillions, is luring banks back into the very risk markets that got them in trouble 20 years ago.

The crypto industry thought it could do trust better than the banks, found out it couldn't and realized it needs rules to guarantee trust.

People are becoming increasingly wary that things they see, read and hear may be AI-generated rather than authentic. To maintain customer trust, banks need to leave no doubt that they are people-driven organizations.