PayThink

Will Elizabeth Warren get a seat on the Senate Banking Committee? Will she thwart efforts to modify the Dodd-Frank Act? Republicans and the financial industry executives are anxious to know.

What do the next four years of an Obama administration hold for the Dodd-Frank Act? There may be less talk of repeal and rollbacks, but some Democrats in Congress are pushing the agencies implementing the law to heed industry suggestions.

Proposed legislation that encourages utility companies to report positive payment data is just one way to improve underserved consumers' access to high-quality credit products they can truly afford.

The current argument for new MMF "remedies" seems implicitly to be based on the assumption that runs cannot be anticipated and on the notion that the run that followed Reserve's action sprung unexpectedly and without warning from the Lehman filing.

Does your bank open early, close late and welcome you seven days a week? Does it let one person tell you yes, but require at least two to say no?

Success of the CFPB/FHFA Mortgage database will depend on how regulators handle four areas: Collaboration, scope, privacy and the regulatory burden, writes columnist Clifford Rossi.

Complex rules can be bent to special interests, and invite gaming and unfairness. An example is the exclusion of credit cards that don't impose "finance charges" from a great many requirements.

If the House goes to the Republicans, Rep. Jeb Hensarling of Texas will most likely be the next head of the Financial Services Commmittee. A Dodd-Frank revamp and GSE reform will be his twin causes, predict observers.

Success will depend on how regulators handle four areas: Collaboration, scope, privacy and the regulatory burden.

What happens when the government’s investors start demanding a normal rate of interest? House prices could plummet, mortgage defaults could soar and the added interest costs could cause the federal deficit to spiral out of control.