PayThink

The legislation carves out protections for smaller banks to offer abusive loans to borrowers under the "qualified mortgage" standard, as long as they hold those loans in portfolio.

A retired tech leader looks back on four decades of major changes in the credit union movement.

An omnichannel payment platform offers customers a unified shopping experience across whichever channel they decide to make a purchase, whether via point-of-sale in-store, online, mobile or even telephone, writes Nick Aceto, senior vice president of technology for CardConnect.

Given the rapid pace of change across the industry, it’s wise for banks to focus on improving customer service rather than chasing the strategies of their rivals.

“Liquid” is the best descriptor for this shift because it illustrates the continuum of pay-with-points options, writes Barry Kirk, vice president of customer loyalty for Maritz Motivation Solutions.

Camden R. Fine and the Independent Community Bankers of America would be better off if they spent more time protecting community banks and less time attacking credit unions.

House legislation to reverse a federal court decision on state interest rate caps would increase access to credit, not expand predatory lending as critics have argued.

As Congress considers new rules for digital currencies, lawmakers should consider putting responsibility in the hands of the Treasury Department, given its role in handling traditional currency.

A recent report from the agency settles a long-running debate about whether bankruptcy should replace Dodd-Frank’s “orderly liquidation authority.” The financial system needs both.

Limited data on fraud is a widely recognized issue and it was decided that incorporation into PSD2 was the most appropriate way to enforce a requirement, writes Matthew Attwell of The ai Corporation.