PayThink

It's a semi-well known piece of Americana that one of the so-called forefathers of this country, John Adams, had predicted that July 2nd was destined to be a great American holiday, and that people nearly 250 years later would be saying things like, "Lit up like Second of July fireworks."

Every now and then someone adds his or her two cents to a concept and inadvertently creates what could be a million-dollar idea.

Goldman Sachs, one of the owners of a newly designated “minority bank,” has a history of discriminatory behavior.

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

Three federal agencies are competing for the gold medal in a "regulatory Olympics" over deposit advances. Their proposals would severely constrain banks from offering valuable products and assisting customers.

Leverage measures, which can zigzag with sudden inflows or outflows of deposits, should be viewed as a backstop to risk-based capital measures, not as a primary capital constraint.

The House Financial Services Committee squared off Wednesday over concerns with "too big to fail" and how the 2010 Dodd-Frank Act could possibly be improved to prevent any future bank bailouts.

Too many banks still make too much money at the expense of their customers, and it is one of the biggest reasons the American public has lost faith in them.

Show me an industry with artificially high barriers to entry, and you will almost certainly find dissatisfied customers paying higher prices to large, protected providers.

Institutions need to realize that, given the relative health of their asset portfolios and the current regulatory environment, valuations and deal prices will be below historical averages.