PayThink

The bill would replace the misleading risk-based capital system with a straightforward way to determine the true health of an institution, in addition to providing incentives for the largest banks to downsize.

It’s important that models for stress-testing be capable of representing the nuances of the questions they are asked to answer. Insights would be lost if models are kept too simple.

Financial journalists sometimes refer to M&A bankers as "rainmakers." Do they make it rain, or do they just take credit when it starts raining?

Bankers truly face a Catch-22 in the lending business these days, thanks to "qualified mortgage" and disparate impact laws.

There aren't that many people who can get attendees at credit union conferences to put down their tablets and phones for a couple of moments. But Eric LeGrand can.

Greg Fine, a principal of Ding Communications, Inc., explains what is wrong with banks is not a good "what's right with credit unions" message.

John Potok, Product and Business Manager, Loyalty Solutions at Fiserv, explains why and how to build and effective card loyalty program.

The gradual erosion of net interest margins and a compensatory shift toward risky new lending strategies for additional yield is a major factor for high chargeoffs and community bank failures.

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

The recent crime spree that netted $45 million in fraudulent ATM withdrawals adds to the many reasons banks approach prepaid products with caution.