PayThink

Two recent central bank proposals may exacerbate problems with the agency’s capital surcharge for big banks.

Financial institutions providing funds via the Fed's same-day ACH transfers need to their systems protect their customers, are commercially reasonable and, most important, follow strictly the protocols the financial institution has agreed to with its customer, writes Alexander Buchanan, counsel at Waller Lansden Dortch & Davis LLP.

Many of Treasury’s recommendations for modernizing the Community Reinvestment Act would help financial institutions, not low-income communities.

NAFCU's Dan Berger fires back after CUNA CEO Jim Nussle criticized the rival trade group in a recent op-ed.

Refurbishing ATMs to accommodate mobile payments is less expensive than buying new ones, and is a solid green strategy, according to Mark D. Smith, director of business development for MVP Financial Equipment.

The outgoing head of the ICBA reflects on how technology and partisan politics have changed policymaking over the past 15 years.

Ripple, which lining up partnerships with banks, is likely to help change the perception of crypto, expand its own value and co-lead the shift in the way the world uses, manages, accesses, stores and exchanges money, writes Nigel Green, founder and CEO of deVere Group.

ATMs require dual-factor authentication in the form of a physical card and a PIN, and this same concept should be extended to phone transactions, writes Patrick Cox, CEO of TRUSTID.

Lawmakers should not toss out an agency rule aimed at curbing auto dealer markups that adversely impact borrowers of color.

Mobile scan-and-go technology can redefine the in-store model for retailers by delivering the "just walk out" experience popularized by Amazon Go (and increasingly demanded by consumers) in a way that is viable, scalable and profitable, according to Julian Wallis, retail director at Rambus.