PayThink

Sens. Tim Johnson and Mike Crapo run the risk of proposing a second-rate solution for the market to gain mass support for their new legislation.

Risk-weighted regulations doom banks to lend too much, on too easy terms, to "infallible" borrowers –some of whom, as a result, will eventually prove to be very risky.

Before regulators go any further, they should open a public dialogue to make sure they don't do a lot more harm by eliminating the few lenders that remain.

The head of a small Atlanta credit union used a negative situation, the Target data breach's impact on her customers, to score PR points. More big banks should think and act this creatively in crises.

Reforming the multifamily market will lead the way to a future housing finance system where private capital takes first-loss risk and uses ingenuity to responsibly serve all markets at all times.

Nonbank mortgage lenders want to significantly alter a time-tested formula with "membership-lite." Now is not the time to lessen the capital standards for Federal Home Loan Bank membership.

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

In most states, the good-faith lending decisions made by bank officers and directors are protected from liability, even if the loans sour and the bank fails. But bankers and directors beware: you can still be sued for simple negligence.

There are plenty of reasons why small banks may be reluctant to amp up their social media presence. But this week's bad weather illustrates how these platforms can provide a real value-add.

FATCA requirements affect a broad cross section of stakeholders and policies within financial institutions including, but not limited to, client onboarding, investment banking, documentation, treasury and collateral management.