PayThink

Regulators are confused about whether to use capital buffers as a tool to stamp out "too big to fail" banks or as a cushion to protect the financial system from the next crisis. But the Dodd-Frank Act gives them a clear mandate: to eliminate market expectations of a government bailout.

Capital modernization is the generational issue of credit unions today.

The CFPB has a historic opportunity to fix the small-dollar loan market by emulating Colorado's reforms. That would mean requiring all payday lenders to offer affordable installment payments and cracking down on deceptive practices like loan flipping.

In a term often reserved for interior design, women's fashions or ballroom dancing, Apple Pay users call the mobile pay system "elegant" because of how easy it is to use.

The CFPB's "Safe Student Banking" initiative is designed to pressure students' educational and financial institutions into offering young people narrow options.

Bank managers can motivate their teams to make sales without forcing them to pounce on customers the moment they walk in the door.

There is a lot of confusion in the retail industry around payments and Point-of-Sale (POS).

Revising the current control rules could give banks access to more capital from private equity, hedge funds and other institutional investors.

Banks victimized by loan fraud, identity theft, embezzlement and other crimes may be reluctant to cooperate with federal authorities. But it's often worth their while.

While consumers have a slew of digital technologies to help manage nearly every aspect of their finances, businesses still depend on manual paper-based processes to perform the most basic business functions.