PayThink

FHFA's decision to sell foreclosures in bulk is hindering the rising Hispanic consumer segment, along with other first-time buyers, from driving a healthy housing rebound.

Recent enforcement actions indicate banks must get better at evaluating the risks associated with their third-party service providers.

Regulators and lawmakers should take steps to encourage banks to use their excess reserves to accommodate consumer credit demand.

The record shows that regulators and prosecutors have charged bank D&Os and other employees in ways that affect their personal net worth and freedom.

The Consumer Financial Protection Bureau has joined New York City Mayor Michael Bloomberg to take the Cities for Financial Empowerment program nationwide.

The Consumer Financial Protection Bureau's definition of a "rural" market needs to be more flexible according to state banking regulators.

Accounting for utility and car expenses would help lenders make better loan decisions, encourage homebuyers to select affordable houses and support a more sustainable housing market.

The former Securities and Exchange Commission chair’s move to Promontory Financial is likely to add to public cynicism about a revolving door and regulatory capture.

The best sales folks realize rejection isn't a sign they’re bad at their jobs. It's a sign they are actually out there doing their jobs.

Calls for reciprocity and a lack of participation from Asian-Pacific countries present significant challenges for the overreaching legislation.