PayThink

The sweeping reforms passed in 2010 didn't bring community banks to the brink of extinction. Rather, their numbers have dwindled because of the impact of economies of scale and dormant de novo banking activity.

A growing lack of transparency between some businesses and their banking service providers threatens our ability to effectively manage money laundering and terrorist financing risk.

The prepaid industry is maturing, and leaders are providers that have maintained product flexibility and innovation and married it with the processes, technology, compliance and user experience that is needed in today’s dynamic marketplace.

Not only do the FDIC's limitations on brokered deposits curtail bank earnings, they deny banks the ability to use brokered deposits to meet community lending needs.

The CFPB's proposed reforms for payday and other high-cost loans are both welcome and long overdue. But there are two ways the agency can further improve future requirements.

Geopolitical and regulatory risks are rampant in Europe, but Visa Europe is well positioned to weather the storm.

A recap of the informed opinions (and the discussions they generated) on BankThink this week, including thoughts on Wall Street's dwindling number of high-powered women and the merits and drawbacks of the CFPB's consumer complaint database.

The recent history of bankruptcy law suggests there's a way to provide relief to borrowers overwhelmed by student loans while minimizing concerns about moral hazard.

The launch of Apple Pay late last year was bound to shake up the crowded and fragmented mobile payments market. Banks now face more pressure to make the right plays in this space or else lose their customers.

A number of companies across the U.S. are harnessing technology to solve Americans' cash flow challenges. But there is much more to be done to bring these solutions to the millions of Americans who need them.