PayThink

A government guarantee must be accompanied by an obligation to responsibly serve creditworthy borrowers. Without that mechanism, many creditworthy taxpayers will be left with no access.

A well-structured mortgage business will generate strong revenues that can help offset declines elsewhere, regulatory challenges and interest rate volatility notwithstanding.

Selecting a property, hiring an architect, building designers, interiors, vendors and technology providers all encompass a project that amounts to a two-year business interruption. It does nothing to attract a client base.

Placing the Federal Housing Administration inside the proposed Federal Mortgage Insurance Corp. would provide singular oversight for balancing the post-GSE mortgage market and a fully federal guaranteed market for specified market segments.

The Consumer Financial Protection Bureau may gain an upper-hand in the mortgage sphere because of regulators' plan to unite two separate mortgage standards mandated by the Dodd-Frank Act.

If history bears any indication of where this fight will wind up, New York’s top bank regulator, Benjamin Lawsky, could be headed for a long, slow, expensive defeat.

Credit Union Journal's Frank Diemann presents different views on examiners starting out in credit unions.

Ron Schmidt, CPA, of CBS Certified Public Accountants, explains why credit union leaders need to renew their focus on ethics.

Credit unions are working to understand their members to better meet needs and provide a meaningful banking experience. This personalized experience is what has set credit unions apart for many years. However, today that credit union trademark is in jeopardy.

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