PayThink

The riskiest loans get priced out of Fannie and Freddie securities and end up guaranteed by the FHA. We are merely shifting risk from one set of federally insured entities to another.

The exchange rate may be volatile now, but as the market eventually finds equilibrium and stabilizes, bitcoin will become an important store of value beyond restriction and confiscation.

The lead Democrat on the House Financial Services Committee, Rep. Maxine Waters, is considering certain changes to the Dodd-Frank Act.

The Consumer Financial Protection Bureau released a 45-page compliance guide for small banks and mortgage lenders to better understand how to comply with the "qualified mortgage" rule that requires lenders to ensure borrowers have the ability to repay a loan.

Constraints on fees for arranging loans will encourage car dealers to charge more for other products and services to make up lost revenue.

The only way to put an end to "too big to fail" is to safely unwind banks without a government rescue according to Jeffrey Lacker, president of the Federal Reserve Bank of Richmond.

Young families looking to put down roots in a community must be served if we are going to grow our economy and sustain the housing recovery.

What's the most inane complaint your bank has ever received?

The Consumer Financial Protection Bureau, created under the 2010 Dodd-Frank reform law, is now taking consumer complaints on money transfers before the agency finalizes any changes to its remittance rule.

We must make clear that in all bank failures all creditors, other than insured depositors, will face risk of loss so that neither the FDIC nor taxpayers will lose money.