PayThink

Make sure each of your bank's initiatives is explicitly designed to eliminate uncertainties as rapidly as possible so any failures are small, quick and survivable rather than interminable and deadly.

It's a truism among financial institutions that not all revenue is created equal: some revenue costs a lot more to produce. Yet among many organizations, the exact costs related to specific revenue remain a mystery.

Regulators are expected to finalize many rules in 2013. The financial industry could see an overflow of final regulations, many of which are mandated by the Dodd-Frank Act.

What the FHA calls its "capital" actually includes claims about what it might earn in the future. Bankers would get laughed at for trying the same ploy.

Banks have been granted more time to comply with new restrictions on swaps activities by the Office of the Comptroller of the Currency.

The bank should have recognized that the borrower's conditions had changed, and so should the conditions of the credit change, accordingly.

Small banks continue to rake in revenue from interchange fees on debit cards, despite fears that the Durbin amendment would hurt them as much as larger institutions, according to a report released by the Federal Trade Commission.

Chairmen of the House Financial Services Committee requested to postpone the Volcker Rule until 2015 only three weeks after U.S. regulators said they would delay the Jan. 1 start date for new capital requirements.

Securitization is essentially a financial production factory. Consistency in the manufacturing process, which minimizes defects and hence promotes investor interest in the product, would allow the business to prosper again.

Have you ever caught yourself paying a $3 ATM fee to avoid driving across town? Add up the value of your time, gasoline costs, the need to complete a necessary task and it's easy to justify that $3.