PayThink

The first protection a consumer needs is the assurance that any new reforms will not inadvertently drive all regulated credit from the market.

The tension between the desire of government agencies to gain more access with greater ease, and the public’s evolving perception of data privacy rights, is ongoing and writ large in the case of FBI vs. Apple, which brings the complexities regarding security technology such as encryption to light.

With its cooperative history, the credit union industry needs to coordinate efforts to win key legislative and regulatory battles ahead.

The sheer volume of regulations adds time and expense to closings without much benefit when consumers’ main interest is to get funds as quickly as possible.

There are shortcomings in prevailing chargeback procedures that are costing merchants billions of dollars each year.

Some believe the capital markets need prudential regulation to protect the system from danger, but here's why that is a false assumption.

While many fintech companies are trying to disrupt banking niches, the blockchain has the greatest potential to completely transform finance the way Uber and others have done for their industries.

Prepaid cards and mobile wallets have become major disruptive forces in the financial services industry.

House Financial Services Committee members asked CFPB Director Richard Cordray tough questions this week — but they let their own theatrics trump substance, using their time to berate the CFPB chief rather than engaging in substantive discussion.

Creating a bipartisan commission to manage the Consumer Financial Protection Bureau will make the agency's rules longer-lasting and place needed checks on the director's authority.