PayThink

The last time someone decided to gut a major financial services regulatory agency, we got the Great Recession. DOGE cuts to the Consumer Financial Protection Bureau could trigger similar pain.

Tokenization is a natural fit for the private credit market, and could help create new investment opportunities. But regulators must create clear rules of the road.

For fintech to achieve its true potential of democratizing financial access for all, we need diverse viewpoints among fintech founders, board members and advisors.

With vast amounts of capital locked in privately held companies, both employees of those companies and average investors would benefit from a loosening of the rules restricting private investment.

The decision to stop requiring U.S. companies to report beneficial ownership information is misguided. The compliance burden could be substantially eased by collecting the data at the state level.

Financial inclusion cannot be allowed to become a meaningless set of buzzwords. Strong economic growth and future prosperity hinges on the ability of everyone in society to access financial services.

Don't discount the impact of having your bank's name and logo on small, everyday items that customers and potential customers will see every day.

Banks that think they can compete in the stablecoin space are making a huge mistake. The smart move would be to upgrade infrastructure to allow assets to move between banks and crypto accounts seamlessly.

For too long, banks have outsourced innovation, placing their future in the hands of outside vendors. That's no longer a viable strategy. Banks need to bring innovation in-house again.

The 11 Federal Home Loan banks play an essential role in the housing market and in local economies. Cutting their community ties would damage their ability to fulfill that mission.