PayThink

A risk-based approach to anti-money-laundering rules would allow regulators to be sure mobile transactions are being screened for suspicious activity without hindering the technology's potential to do social good.

Before regulators require the country's largest banks to take on more burdensome regulations, they need to reconsider the parameters used to assess the threat of systemic risk.

Friendly fraud may sound like less of a threat to business than other more large-scale, aggressive attacks, but this sleeper predator costs retailers nearly $12 billion per year, leaving unprotected merchants completely empty-handed and liable for fraud that wasn’t really fraud in the first place.

Defining your bank's limits on earnings and minimum capital requirements can help safeguard against the reckless pursuit of return on equity.

The cost to originate is at an all-time high, forcing many credit unions to re-think their lending operations.

In order to make homeownership more affordable, the FHFA should make sure that GSE guarantee fees fully recognize private mortgage insurance and restore the longstanding tax-deductible treatment of mortgage insurance premiums.

When I shared with friends of mine at credit unions that I'd soon be joining CUNA as the new president and CEO, they told me I'd be diving into a financial services pool that is swirling with both opportunity and challenge.

While the rest of my neighbors are carving pumpkins and wishing me a Happy Halloween, you should see the looks on their faces when I respond, "Thanks, and a Happy International Credit Union Month to you!"

I have coined the phrase "managed risk" merchant to correctly define and segregate the stigmatism that traditional Card Not Present (CNP) merchants obtain when labeled as "high risk" merchants.

Bankers should temper their criticism of new regulations with some support for reform, lest the American public think the industry has failed to heed the lessons of the financial crisis.