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Private mortgage insurance should be identified as a viable option for credit enhancement as regulators contemplate post-GSE-reform models and Basel III revisions.

Numerous components of Basel III could empower bank regulators to increase the amount of capital banks hold, especially for large banks.

Investors in search of yield are supporting a return to more aggressive, higher-risk transactions. Banks need the discipline of fixed underwriting standards to prevent mindless herding.

The Securities and Exchange Commission and the Commodity Futures Trading Commission have jointly adopted new rules to enable financial firms to set up programs to locate evidence of attempts to steal personal information and to deter identity theft.

The sensitivity now present at the highest levels of the Fed, OCC and FDIC offers great promise to consumers looking to acquire responsible loans from the banking industry.

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.