PayThink

Any bill that does not return with provisions reinstating affordable housing goals and lowering down payment requirements is still a failure, writes the head of the National Urban League.

Today's harsh regulatory environment is sapping community banks of the time, money and staffers they previously dedicated to financial literacy efforts.

The words ‘payment’ and ‘innovation’ don’t always go together, nor should they.

Banks should view the recent influx of regulations on small-dollar credit loans as a chance to develop products that are at once profitable and safe for consumers.

By strengthening direct consumer oversight, Bitcoin may shift consumer protection from law and regulation to reputation and trust, and even to mathematical proof of good service.

In his account of the financial crisis, former Treasury Secretary and New York Fed President Tim Geithner offers a full-throated defense of his fight to bail out Washington Mutual's bondholders and protect Citigroup's bid to take over Wachovia.

Bank boards are busier than ever, but that's no excuse for putting succession planning on the back burner, say consultants Peter Thies and Ollie Sommer.

Advocates of mandatory arbitration say that it is cheaper than litigation and just as fair to consumers. Both claims are suspect.

E-commerce has led to a rapid expansion of the options and methods of executing payments.

Mutual funds pose no threat to the stability of the financial system. Yet regulators appear determined to designate them as systemically important financial institutions-a move that could hurt millions of Americans who depend on the funds as retirement savings vehicles.