PayThink

Size-based regulation is designed to curb banks' appetite for growth. This will affect every operational and strategic decision that banks make going forward.

The latest series of bank settlements over alleged attempts to manipulate the foreign exchange market suggests that lenders need to set about pruning the ranks of problem employees and retraining those who remain.

If you have been in the payments business long enough, you have seen trends come and go.

Cliff Rosenthal left his credit union colleagues behind to become assistant director of the CFPB in 2012. He found an energetic, dedicated agency under attack from political opponents and hampered by institutional hubris.

In the age of Apple Pay and other electronic payment options, physical gift cards still reign supreme, with most shoppers still preferring to give physical cards and most frequently select denominations between $25 and $50.

The blatant mischaracterization of Federal Deposit Insurance Corp. communications in a House Oversight Committee report undercuts the aim of the investigation into regulatory scrutiny of bank-payday lending relationships.

There are fewer payday loans in Colorado now because each loan is structured to last for months, not weeks.

A recap of the informed opinions (and the discussions they generated) on BankThink this week.

The recent article published in CU Journal concerning the possible efforts of Grameen America to obtain a credit union charter raised some interesting observations about how hard that may be to achieve.

As the end of the year looms and a new year on the horizon, credit unions across the country are offering members a tangible piece of "the credit union difference:" annual bonuses.