PayThink

Several tech startups have made short-term credit the focus of their business models. But could a product so universally frowned upon ever achieve mainstream acceptance?

Despite the bipartisan nature of the Panel's first vote last week, the new leaders of the House Financial Services Committee, Chairman Jeb Hensarling, and ranking Democrat Rep. Maxine Waters, continue to dispute the effects of the Dodd-Frank reform law.

Big banks must get smaller. Small banks must get bigger. All banks must turn their attention away from crisis-era baggage and show how they'll consistently make money from now on.

Future compensation structures should not only reflect the higher costs of servicing troubled loans but also open the business to more nonbank competitors.

Without a permanent director, the Consumer Financial Protection Bureau has no authority to create or enforce regulations against nonbanks. However, attorneys and industry consultants say several recent mortgage regulations approved by Richard Cordray may still be upheld.

A federal appeals court ruling last week might force Democrats to cut a deal with Republicans over the structure of the Consumer Financial Protection Bureau.

The state is receiving a notably large share of national mortgage settlement benefits because of the level of harm the state sustained during our nation's mortgage crisis.

Stress testing is far from a fail-safe, but does increase a bank's resilience to economic shocks.

As loan-loss reserves normalize, the earnings benefit from lower provision expenses will abate and earnings will be squeezed. M&A should emerge as an attractive strategy to maintain earnings and generate growth.

Research may fail to prove the Community Reinvestment Act contributed to the subprime housing crisis. But its supporters also can’t prove that it didn't.