PayThink

Plans to allow U.S. banks to reduce the capital they hold create uncomfortable echoes of past turmoil in credit markets. As regulators contemplate relaxing standards meant to protect the public, they should look to past financial crises.

How much of the FOMO is manufactured?

With a $10M gift to create and run a school of financial planning, Ric Edelman aims to solve the retirement readiness crisis and wealth management's talent shortage.

In passing the Depository Institutions Deregulation and Monetary Control Act, Congress intended to create national rules that would guide lending across state borders. States can't simply opt out of them.

The original cryptocurrency lies at the bleeding edge of the risk curve, and its cross currents say something about how feisty the market is feeling.

The FDIC's recent analysis of the deposit flight that helped take down Silicon Valley, Signature and First Republic banks in 2023 is informative. However, it leaves unanswered some important questions about regulators' assumptions related to brokered deposits.

The coming mixed-martial-arts fight on the White House lawn is bound to get a lot of attention, but a far more consequential heavyweight fight between President Trump and former Fed Chair Jerome Powell has already been decided.

Arbitrary financial regulation "cliffs," such as the one imposed by the Durbin Amendment, create incentives that distort decision making. Congress should step in and reform the various measures that rely on such imprecise triggers.

A private credit fund got suckered into the Aspiration Partners fraud; is that an 'it could have happened to anybody,' or a sign that the industry has low standards?

Even the Federal Reserve has limited visibility into the nonbank and private credit markets. That's a problem for banks that are increasingly lending to those sectors.