PayThink

Private mortgage insurance and "senior-sub" securitization structures have advantages that could accelerate private capital's return to the mortgage market, despite the lumps they took during the crisis.

Using data commonly available on most core systems, a relatively simple, inexpensive concentration stress testing model can bring value.

Reform efforts could result in a much smaller scope of permissible lending at the FHA, with a renewed focus on its traditional core of low-income customers, higher credit score requirements and increased down payments.

Proponents of breaking up big banks trumpet Attorney General Eric Holder's complaint that some are too large to prosecute. But indicting companies for individual employees' actions would indeed be reckless.

The nonexistence of "too big to fail" is swell news. Now taxpayers can stop worrying about future bailouts, the Federal Reserve can ease monetary policy and the Justice Department can prosecute the banks purportedly "too big to jail."

In the past, it was tough for customers to change banks. So, we could charge them—and treat them—pretty much as we pleased. Technology renders switching banks easier and cheaper—making banking more competitive, less profitable.

What Frank Diekmann found while rummaging around the bottom of his GAC attendee bag.

Marcus Schaefer, CEO of Truliant FCU, explains why having followers is not always ideal.

Arp Trivedi, manager of administration with Motion Federal Credit Union, explains how Motion FCU makes itself look larger.

Even if regulators restrict banks' ability to charge overdraft fees, those consumers who value banks that cover their overdrafts will find a way to reward institutions providing the best service.