PayThink

In the S&L crisis, regulators manipulated capital to prop up ailing thrifts. Today, regulators embrace risk-based requirements assuming they can correctly predict the future.

Many Bitcoin startups face the expensive and daunting task of obtaining multiple state money transmitter licenses. But these businesses could drum up enough support to create a more streamlined and affordable licensing process.

Even great bankers cannot succeed when forced to compete in a market with an influx of new banks and a shortage of skilled bankers, wise directors, and experienced regulators.

The Federal Deposit Insurance Corp. announced that James Wigand will step down from his management post of the agency's new wind-down facility for systemically important companies on July 28. In 2010, Wigand began overseeing the agency's implementation of the new resolution powers under the Dodd-Frank Act.

The SEC's recent roundtable on ratings shopping in structured finance was a reminder of how efforts at reform are obstructed by a wall of denial.

Given America's romance with small business, it certainly can't hurt to be seen out there supporting mom and pop.

Retailers should embrace a hybrid approach to mobile shopping with wallet apps that bridge the physical and digital consumer experiences.

When the government backs any system, the beneficiaries have only limited interest in the risks they are taking. Senators Corker and Warner have fallen into this trap.

Many developed countries, free from the U.S. impulse to see every product as something to track, do not share its inclination to frown on financial privacy.

Sen. Elizabeth Warren raised the issue about the regulatory burden facing community banks at a Senate Banking Committee hearing.