PayThink

Borrowers served by the FHA program, particularly first-time buyers and minorities, have benefited from nonbanks' increase in lending. Those independent lenders should be commended for filling a gap.

The chip card migration is drawing more attention to card not present fraud. Account takeover risk is also on the rise.

A startup aims to highlight the social impact that banks have to allow easier vetting by prospective customers; community banks like Jill Castilla's are getting income from being tech vendors; and Amex is making its parental leave policies better next year, in a move that just might be an emerging trend. Plus, Wonder Woman loses her U.N. job … because of the way she dresses.

It is not a clear-cut statement to say Fannie Mae and Freddie Mac need more capital, and it detracts from the real debate over long-term housing finance reform.

The National Credit Union Administration rule expanding member business lending introduces new risks and lacks legal basis.

In response to a series of cyber bank thefts, Swift has developed new guidance. It's a necessary first step, though banks for now are still left to fend for themselves.

A legislative proposal would expand Fannie Mae and Freddie Mac's use of specially-created debt securities to share their risk with private investors, but such risk transfer deals are not a replacement for core capital.

Banks should embrace artificial intelligence so that they can more easily navigate policy shifts that will affect their compliance resources and processes.

President-elect Trump faces legal questions over his idea to hold remittances ransom to fund a wall in Mexico, but the industry should take the threat seriously.

Judicial review of regulators' economic analyses can help validate whether a rule will solve a real problem at a reasonable cost.