PayThink

There's little point to Fannie and Freddie's large profits if that money is remitted to the Treasury rather than making the GSEs more financially stable.

More robust risk management frameworks and technology infrastructures are at least as important as higher capital standards in preventing another global financial crisis.

As the Consumer Financial Protection Bureau considers rules to protect consumers who take out payday loans, some observers are pointing to changes that Colorado enacted in 2010 as a model.

All over the world, consumption is undergoing a major shift. Consumers no longer need to choose between local specialty goods produced within their own communities or mass produced products manufactured abroad.

Banks need to showcase a reputable culture — and competitive compensation packages — to seal the deal with top talent.

Colorado's interest rate cap on payday lending has successfully brought down costs for borrowers, but the state continues to experience unacceptably high default rates.

One phenomenon we are currently seeing in emerging markets is a leapfrog to mobile payments.

Bank directors and officers who agree to settle claims brought by the Federal Deposit Insurance Corp. in its capacity as receiver may find themselves next confronting a lifetime ban from the industry.

For too long, both companies and regulators have bought into a narrative that makes the financial industry dependent on the government for rescues and direction. It’s time to pen a new plot.

New York’s Department of Financial Services (NY DFS) has recently issued guidance on its BitLicense proposal, which would create a transitional license for Bitcoin.