PayThink

Efforts at regulatory reform often ignore the source of what led to the overregulation in the first place: the legislative process.

Adoption is increasing, but most consumers would stop using the technology if they suffered a security incident

Get Bank of Montreal's best tips for real results on gender diversity, then try not to get disheartened by other big banks. Plus: Amy Brady, Mary Navarro and Donna Demaio.

Policymakers speak of expanding consumer choice, but for the vast majority of borrowers and investors, standardizing choices that make the most financial sense has greater merit.

A full changeout of AML and KYC rules would stress compliance. Working to improve current practices would be better for the financial services and payments industries.

The concept of a primary bank that satisfies all customer needs is becoming a relic of the past, so banks must rethink their revenue models.

One credit union leader is urging Acting NCUA Chairman McWatters to go to bat for more sensible mortgage rules coming out of the CFPB.

An improved state-level system could be a tremendous advantage. Working closely with a cooperative regulator, innovators large and small can rapidly test a concept within state lines.

Business still use lots of checks for payments. That may have worked in the past, but it likely won't work in an increasingly digital future.

Technology innovation and the level of consumer understanding about fintech options are critical missing pieces of Community Reinvestment Act policy.