PayThink

The same broad powers that allowed the federal government to place Fannie Mae and Freddie Mac into conservatorship also allow it to reconstitute both companies.

Payments providers have a unique challenge when it comes to satisfying their target audiences.

The Offices of Minority and Women Inclusion should require financial institutions to perform regular, standardized and data-driven assessments of workforce and supplier diversity.

The FSOC must provide well-reasoned justifications as to why it chooses to designate a firm as systemically important — and provide a clear outline of the steps that companies can take to rid themselves of the SIFI label.

Does the following thought process sound familiar? “The faster I can install this new point of sale (POS) system for this merchant, the better.” With POS systems, faster isn’t always better.

While the Volcker Rule has been in the works since 2009, the final rule is new to professionals at both banks and regulatory agencies. Everyone involved faces a steep learning curve.

Congress should amend the bankruptcy code to permit borrowers to discharge student loan debt if their net monthly income is insufficient.

Apple Pay couldn’t have arrived at a better time; security breaches in major retailers appear almost daily in the news, and consumers are looking for a more secure way to pay. And while Apple Pay may address that need for many, there are still potential security breaches.

The HMDA's reporting requirements should be expanded to include loan performance data along with mortgage origination data so that researchers and policymakers can better understand the state of credit access in the U.S.

As data breaches become more common, bank board members need to make sure that senior management is familiar with the latest cybersecurity developments and has a crisis communications plan in place.