PayThink

John Allison, former chairman and chief executive of BB&T, made a pitch to abolish the Federal Reserve at a Dodd-Frank Act seminar.

Instead of pushing to avoid risk retention or liability for future frauds, banks that want to originate and sell mortgages should focus on containing and rolling back the disparate impact doctrine, which seems sure to savage them.

The FHA's mission to promote housing has contributed to its downfall in addressing its other mission: to maintain fiscal discipline of the mortgage insurance fund.

If you have a successful model that you believe in, it doesn't matter what the establishment says.

To offer credit as a means of promoting savings is a bit like a hospital encouraging people to get sick so they can be healed.

A response to Credit Union Journal's "NCUA Conversion Rules Mock Democracy".

Even in an uncertain economy with rising and falling stock prices, unemployment rates and consumer confidence, consumers still spend at both the local and national level, and they're often made by individuals who are either current members of your credit union or eligible for membership.

Being small in assets doesn't have to mean being small in vision.

Taxpayers are getting a bargain by propping up the cash-strapped Federal Housing Administration.

Reintroduce an element of personal liability for highly paid senior bank executives, phase out the implicit government guarantee of senior creditors' claims at large banks and increase focus on board governance to ensure better aligned incentives.