PayThink

The Federal Housing Finance Agency wants to exclude mortgage real estate investment trusts from membership in the Federal Home Loan Banks. That would be a major setback for the entry-level borrowers who depend on mortgage REITs for sustainable home-financing options.

Amongst all the hype and bluster around mobile payments, consumer adoption has lagged, and a fundamental question seems to be largely overlooked – why use mobile payments?

Banks looking to improve their sales should follow a simple rule of thumb: the more friendly, casual chats staffers have with current and potential customers, the more business they create.

According to Verizon's 2015 Data Breach Investigation Report, approximately 20% percent of data breaches come from an internal source. This requires a change in an issuer's culture compliance to combat the problem.

The financial crisis and its aftermath elevated the stature of CROs. The true test of their new clout will come during the next market expansion.

Even if the U.S. government eases enforcement against banks processing wire transfers to developing countries, lawsuits brought by the plaintiffs' bar under the Anti-Terrorism Act may make banks continue to avoid providing remittance services to needy communities.

Equal-opportunity small business lending can go a long way toward helping minority groups rebuild the wealth lost during the Great Recession. The CFPB has delayed implementing reporting requirements that could close the credit gap for far too long.

First launched as a method for tracking vehicles during manufacturing in 1994, the humble QR code has become instantly recognisable for most consumers as a marketing tool.

Culture is measured in the good banks do for communities and customers, employees and shareholders. That kind of culture must be built over generations.

You'll find many disruptors in banking, but startups like Moven aren't among them. In essence, virtual banks simply dress up web storefronts to look like banks but offer one-tenth the services.