PayThink

Some regulatory agencies appear ripe for criticism or curbs to their authority in the incoming Trump administration, but the Office of the Comptroller of the Currency is in position to have its authority expanded.

Banks tend to respond to ATM and payment breach risks after an incident. They need to get more proactive.

Consumers' providing bank credentials to third-party services is akin to handing over their house keys. To mitigate screen-scraping risks, banks and fintech companies must first address issues related to security, transparency and control.

Post-crisis regulations were not only costly but may have undermined executive accountability by turning CEOs into compliance managers instead of drivers of business decisions.

With access to financial transaction data under threat by hurdles imposed by certain financial institutions, it should be up to consumers to decide how their data is used to improve their financial well-being,

Americans could have significantly more money saved for their retirement, if not for all the fees that the asset management industry charges. What's worse is most savers are unclear how much they are paying, to whom, and for what. The authors of "What They Do With Your Money: How the Financial System Fails Us and How to Fix It" propose some changes that they say would not only help the economy grow faster but improve corporate America overall.

Signs point to international regulatory reform having passed its peak, with European regulators delaying policies and agitating against further Basel III rules.

The Internal Revenue Service's petition for information on Coinbase customers is an overreach that should concern Americans regardless of whether they use bitcoin.

Retailers are adding e-commerce services quickly, but older technology systems are making the migration difficult.

The president-elect could take aim at the Federal Reserve's ties to Wall Street, bailout authority and other reforms if he really means to take steps to help working people.