PayThink

"Despite delays and protests, compliance with myriad Dodd-Frank and Basel III rules will likely accelerate in the coming year - particularly those around mandated stress tests requiring banks to demonstrate protection from adverse economic pressures," writes American Banker's John Adams.

Yes, an effective sales organization awakens customers to newly perceived needs. But it also markets the products that yield the highest return—not necessarily the ones customers would most want to buy.

Forget every bit of advice you've ever given your children or grandchildren-or really anyone-about their career choice. Go back and tell them to erase whatever you told them and/or to drop whatever they are doing and run, don't walk, to become a Washington lobbyist. There doesn't seem to be the remotest chance they'll ever be out of work.

Matthew Gniech, product manager-check image with Cummins Allison, asks why credit union members keep bringing in deposits.

Ken Otsuka, senior consultant in risk management, with CUNA Mutual Group discusses how to mitigate risk of DDoS attacks.

Our politics is far more belligerently partisan and dogmatic now than in 2008, and the memory of the public rage over the last bailout is very fresh.

Our analysis is agnostic on whether the costs are proportional to the benefits. But we find the claim that the CARD Act has had no cost to cardholders to be too hopeful based on current data.

In previous articles I spoke of banking and bankers. The following vignettes present some bank customers I encountered during my banking days, including a rabbi, a nun, a hotshot attorney and a philanderer.

"Richard Cordray was reintroduced Thursday as the administration's long-term choice to run the Consumer Financial Protection Bureau, but huge questions remain over whether his second nomination for the job is any more likely to be approved than his first," writes American Banker's Joe Adler.

What the mortgage industry wanted was a clear-cut rule from the CFPB. What it received was 800-plus pages of confusion.