PayThink

The U.K. Help to Buy guarantee program provides a good example of how a private-public risk-sharing arrangement could be structured among mortgage insurers, lenders and the government.

Regulators, legislators, bankers, and the public should do everything they can so that Title I of Dodd-Frank works. The goal is to avoid Title II – orderly liquidation – at all cost.

New overdraft rules are expected after a release of a report from the Consumer Financial Protection Bureau and are likely to have an uneven impact across the banking industry.

The nation needs a more informed public discussion of the kind of financial system we really want before we try breaking up the big banks through legislation or regulatory fiat.

Either prepaid will move to mobile or prepaid will have to be repositioned toward a more value-added proposition.

The CFPB has made fair lending a top priority. To avoid problems, scrutinize the agency’s view of the laws, proactively analyze policies and document the reasons behind your loan decisions.

Portions of the following column were either written or edited while sitting on the balcony of the Stanley Hotel in Estes Park, Colo., so the words are either philosophically inspired by the formation of CUNA, or psychologically imbalanced by memories of Jack Nicholson in "The Shining." If I had to guess, I'd go with the latter.

Progressive credit unions must capture the attention of members and potential members with a compelling online story via a modern corporate website. Does your website match up?

When it comes to hiring, hire the very best-regardless of what industry they're in. To quote today's great philosopher, Ron White: "You can't fix stupid."

As long as your corporate social responsibility program is a true effort to give back, it can pay huge dividends for everyone involved.