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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.

"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.