PayThink

State regulators' resistance to the idea of a national fintech charter is not surprising, but state-by-state regulation imposes heavy burdens that reverse the cost savings and expanded reach available through fintech.

The Federal Deposit Insurance Corp.’s recent statements encouraging new bank applications are promising, but some barriers to new charters may remain inside the FDIC and we are still waiting for the first de novo of 2016.

With the first chip card deadline for ATMs coming up in a few weeks, banks need to quickly gain an upper hand on potential risks. This starts with a more complete understanding of the complex changes at the ATM terminal.

Regulatory infighting over bond loans offered by down payment assistance programs has the potential to curtail lending to first-time buyers and do real damage to homeownership.

Just months away from when the elections could change everything, the question is whether the agency will be able to tackle the big issues of field of membership and increasing transparency.

As the nation heads into the height of the election season, credit unions are keeping an eye on what is turning out to be a landmark presidential race, the outcome of which is anything but predictable.

Credit Union Journal’s much-anticipated special event is designed to showcase the people-helping-people philosophy of the CU movement.

Fannie Mae and Freddie Mac can still manage their risk exposure even after reducing or eliminating "loan level price adjustment" fees.

Despite being limited to 20 – 25 characters (including spaces), the purchase descriptor in a card statement is the best means by which an issuing bank and merchant can convince a cardholder that he or she has actually made the purchase and reduce chargebacks. In a world where many of us are challenged to communicate in 140 characters or less, 20-25 presents a true test.

Wells Fargo has worked toward achieving gender diversity internally, now it's courting women-owned businesses. Sallie Krawcheck says if organizations wanted to fix the gender pay gap, they could — easily. Meanwhile in Silicon Valley, the majors are promising to pay their male and female employees equally, and Accenture finds women on boards are twice as likely to have the right technology experience for a company as their male counterparts.