PayThink

A call to reassign GSE affordable housing goals to private securitizers ignores important changes in underwriting standards and the nature of federal mortgage guarantees in the conventional conforming market.

If regulators have concluded that the largest banks are "too big to manage," then let's confront that head-on. But let's not target a bank and drag it down piece by piece.

History tells us that post-crisis reforms should increase confidence, but still allow regulated entities to innovate and prosper, all in support of a stronger economy.

The Federal Reserve appeal of a judge's decision invalidating its interchange fee cap forestalls the prospect of a substantial cut in bank’s debit card revenue.

Bankers and other lenders are pressing the Consumer Financial Protection Bureau to delay implementation of its "qualified mortgage" rule, but the agency has given no signal it will delay the Jan. 10 deadline.

The close vote, however, shows just how dissatisfied folks have become with the opaque and inconsistent RWA system.

The recent court ruling on debit interchange fees should remind the payments industry how harmful the Durbin amendment is.

Consumers deserve the kinds of high quality, widely accessible savings, credit and payments products and experiences that are critical ingredients in the recipe for financial health.

Convenience for the receiver will ultimately drive mass adoption of P2P payments and give financial institutions that deploy this service a competitive advantage.

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