PayThink

Ann-Marie Bartels, CEO of EPCOR, works to make ACH easier to explain.

Three little letters. One extraordinary year.

Edward Speed, recently retired CEO of the $2-Billion Texas Dow Employees Credit Union, discusses his management lesson.

If U.S. regulators proceed with anything like the 2010 Basel III proposal on liquidity, important bank products such as brokered deposits may simply disappear.

The CFPB isn’t going away, and if Romney’s elected president there’s a good chance the leadership structure will change in the long run. It's the short run scenario that could get interesting.

With limited resources to invest in new technologies, banks need to place small bets on a portfolio of promising options, team up with innovation partners and exceed customer expectations.

It is one thing to see an irrelevant ad on a billboard in Las Vegas, but it's quite another to get an irrelevant message from an institution who knows more about me than many of my relatives.

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.

A report by Federal Financial Analytics concludes that the FDIC has made admirable progress implementing the part of the Dodd-Frank Act that gives it the authority to unwind large financial companies in trouble, but there are are still a number of outstanding issues that need to be resolved.

The Uniform Law Commission's commercial code excludes debit cards, which is problematic since courts tend to reject class-action challenges that conflict with it.