PayThink

Housing affects too many Americans to simply cast out government involvement, especially where the government-sponsored entities and Ginnie Mae are concerned.

The regulators have spelled it out: If a bank wants relief from onerous compliance requirements, a path to get there is to use simple, basic practices for credit risk management.

Since fraud liability shifts to the least compliant party after the network-mandated EMV migration dates, it is critical that financial institutions migrate all channels, including ATMs.

China's government plans to allow foreign card-payment networks to process domestic transactions. But companies like Visa and MasterCard will have a tough time capturing a percentage of China's explosive payments market.

To survive and thrive, community banks must follow the lead of nonbank mortgage lenders by embracing digital technology and customer convenience.

Instant card issuance builds immediate value in the eyes of the consumer, and also helps them feel like a valued customer, potentially increasing their card usage rate and extending the longevity of the business relationship.

There will always be a need for small-dollar loans. But loans that trap people in debt and burden borrowers with triple-digit interest rates are simply abusive.

Bankers give too much credence to futurists and financial gurus who warn that technology will render the in-branch experience obsolete.

A big problem holding back mobile payments is a "chicken-and-egg" issue that Apple Pay's U.S. rollout and pending debut in Europe can reverse.

NCUA Board Member Mark McWatters said the agency's risk-based capital proposal punishes credit unions for sins they did not commit during the financial crisis.