PayThink

Bubble-era claims about the various ways that owning a house could make you and your children happier are coming back to life.

Press releases continue to repeat Treasury's nonsensical claims about the "profit" the program has produced for taxpayers. But it remains to be seen whether not letting banks go out of business actually benefited anyone.

To guess what might happen once unlimited deposit insurance ends, look at how corporations have handled their cash lately.

The truest way to reach your personal goals is to show your people, in actions and words, that your priority is helping them reach theirs.

"So what does designating some institutions as SIFIs mean for small businesses?" writes Forbes contributor Ryan Caldbeck. "While we don’t know the whole story yet, the answer, to date, appears to be very little."

Banking powers, specifically the power to accept demand deposits, should be limited by Congress to institutions qualifying for federal deposit insurance. Otherwise we face uncontrolled systemic risk from inconsistently regulated entities.

After absorbing the OTS, the OCC abandoned a comprehensive and sophisticated approach to monitoring interest rate risk.

Two shopping experiences and a well-timed commercial from Isis indicate tapping a payment-capable phone against a reader may, in fact, be so much easier than swiping a plastic card … so long as merchants have complete buy-in.

The Dodd-Frank QM rule will restrict the availability of credit, but it can be less invasive if the CFPB develops a model that weighs all relevant risk factors, not just a few measures of capacity to repay, writes BankThink's Risk Doctor columnist.

Learning to tap into the more creative right hemisphere of my brain enabled me to think in a unique manner about both the problems and opportunities facing my bank.