PayThink

The nature of mergers has changed. For the larger, acquiring credit union, there was a time when mergers meant more opportunity, a bigger book of business and growth into a new region.

Revisiting the way banks, credit unions and nonbank lenders operate (and collaborate) will offer choices, protections and a path to greater financial security.

Boosting regulatory oversight of Wall Street firms will better allocate examiner resources to the riskiest financial firms and help reduce unnecessary burdens on community banks.

At a Senate Banking Committee hearing on the implementation of Dodd-Frank, Sen. Elizabeth Warren demanded to know why regulators are not pursuing banks in court.

Labeling a firm "systemically important" will tip the competitive scales one way or the other – to no purpose, since the exercise is premised on a misunderstanding of the 2008 financial crisis.

The attorneys general of eight states are requesting to join three other states in a lawsuit that challenges the constitutionality of the 2010 Dodd-Frank Act and the Consumer Financial Protection Bureau.

Changes to product offerings and pricing give the impression that the new bank does not have the customers' best interests at heart. Feeling undervalued is a key emotional reason they defect.

Sen. Elizabeth Warren and two other members of the Senate Banking Committee have spoken out against Republicans who seek to block Richard Cordray's nomination as director of the Consumer Financial Protection Bureau.

Congress is afraid to tackle this complicated and contentious issue, but the market badly needs positive signals from our lawmakers that provide certainty about the future of housing finance.

The oft-mischaracterized HUD disparate impact rule will discourage any race-based decision making and minimize lawsuits. Why would any mortgage lender want to continue a practice with a discriminatory effect but no business objective?