PayThink

The Federal Deposit Insurance Corp. responds to two recent posts that cited its underbanked survey results.

Produce a video for members of Congress to watch that focuses on a typical banking transaction and shows the various laws, regulations and other issuances that come into play at every stage of the process.

The Federal Reserve Board released the first round of results from stress tests required under the Dodd-Frank Act. American Banker's Joe Adler asks and answers everyone's frequently asked questions.

The Federal Reserve board disclosed the initial round of results required under the Dodd-Frank law on the portfolios of the 18 largest bank holding companies.

"Attorney General Eric Holder's stunning admission that it was difficult to prosecute large banks because of the potential economic impact may be a turning point of the drive to break them up," writes American Banker's Rob Blackwell and Victoria Finkle.

Banks have convinced policymakers, regulators and sometimes the courts that new regulations might be too expensive. However, the point of public intervention is to induce banks to take account of costs they impose on others.

Our hope and plan was that the settlement would show principal reduction works and that it would spur the use of writedowns in other loan modifications. That is now occurring.

Augmented reality has the potential to enhance customer service and promote sales during customers’ in-store transactions.

Banks have made hugely successful bets on emerging technologies that changed their industry and they barely have time to perfect one innovation before the pressure to find new ways of staying relevant starts up all over again.

The Home Affordable Refinancing Program should not be judged by the total number of completed refis. The true measure of success of any mortgage relief program should be the percentage of high-risk borrowers who ultimately benefit.