PayThink

For two years, Democrats and Republicans have been at an impasse over the nomination of the Consumer Financial Protection Bureau's Director Richard Cordray, and next week Senate Majority Leader Harry Reid is once again calling up the long-awaited confirmation vote.

Loan performance data show the entire case against GSE underwriting standards, and their role in the financial crisis, is based on social stereotyping, smoke and mirrors, and little else.

Analyze data to tailor offers and draft sales pitches that customers, particularly those visiting branches, will have a hard time refusing.

The common-sense steps taken in the bill will help even the playing field between community banks and big financial firms.

The Senate will hold a vote to confirm Richard Cordray as director of the Consumer Financial Protection Bureau sometime next week.

A new report from the Bipartisan Policy Center released Tuesday said that "single point of entry" resolutions, a strategy favored by the Federal Deposit Insurance Corp., are a viable option to solve the "too big to fail" problem.

Top Federal Reserve Board officials, including Fed Chairman Ben Bernanke, believe it is best to carry out the current reform process to solve the "too big to fail" issue, but are ready to significantly increase capital standards if the problem persists.

The banking industry must create sustainable mortgage products that will work for responsible families of modest means. We also need a proactive homeownership policy from the federal government.

The heart of the issue is not who holds what titles, but whether a company’s governance processes are functioning as they should.

A modified version of Ed DeMarco’s securities-based model for housing finance reform could promote an active market for risk-sharing arrangements and further reduce systemic risk by distributing credit risk broadly.