PayThink

The Subsidy Reserve Act would bring into the open the financial benefits of being "too big to fail" — benefits the big banks claim to be nonexistent.

Tiered regulation could bring about a number of useful changes for regional banks, including a more customized approach to determining capital adequacy and simplified resolution planning requirements.

The cards business is highly eventful in Europe currently, thanks to new regulation, economic sanctions, liquidity shortfalls, regional conflicts, debt restructuring and related events.

When regulators use asset size as a yardstick, they impose unnecessary rules on larger financial institutions that employ traditional banking models.

Banks have spent a lot of money in order to comply with stress-test requirements. But they will only realize the value on their investments if they integrate stress-test tools and results into their daily decision-making process.

It's safe to the EMV adoption will be successful, but it is still going to take some time – and might never achieve 100% ubiquity in the U.S.

A recap of the informed opinions (and the discussions they generated) on BankThink this week, including the downside of public banking and the vulnerabilities unaddressed by global regulators' bail-in plan for megabanks.

Editor's note: this letter to the editor was written in response to a previous letter written by Thomas Pinnow, CEO of $24 million County City CU, Jefferson, Wis.

Banks, investment companies and corporate credit unions were engaged in speculative investments and had ventured into risky markets without proper safeguards in place.

While NAFCU hopes the NCUA Board's unanimous support for exploring ways of strengthening the federal credit union charter will help expedite the review process, we firmly believe that credit unions need action now.