PayThink

Critics of nonbanks contend that consumers use "high-cost" alternatives because they are financially illiterate. But, like most simplistic conclusions, this one is seldom accompanied by facts and is as wrong as it is demeaning of the innate intelligence of these consumers.

Well-intentioned policies are causing inadvertent redlining. Our proposed Dignity Mortgage would show there are few if any additional risks of lending to the large cohort of presently excluded prospective homebuyers.

The CFPB announced that it will soon be supervising large consumer debt collections firms.

If the program ends, most TAG deposits held by community banks will quickly migrate to the biggest banks as investors still expect the federal government to protect all deposits held by these financial behemoths.

An analysis of Senate rulings indicates voters who believe in strengthening customer protections should cast their ballots for Democrats, while voters who believe banks should not have to answer to a consumer regulator should choose Republicans.

In a typical case, a short sale took nearly nine months, and extraordinary patience and tenacity, to get done. That's no way to stage a housing recovery. Streamline the process.

"A critical mass of angst and dissatisfaction with the Dodd-Frank Act and Basel III is opening the door to change," writes Barbara Rehm. If you want to read the brightest mind on the topic, check out Karen Shaw Petrou's assessments, she says.

The flood of new regulation, demands for more capital, harsh enforcement and an unexplained three-year-old de facto moratorium on de novo charters lead one to believe Washington wants fewer community banks

Banks can retain their best and brightest staff by offering career advancement opportunities, competitive base salaries, adequate training and attentive performance management.

Romney may have worded it awkwardly, but he has never expressed a more pro-female sentiment than when he talked about those "binders full of women." Oftentimes, you need to deliver the resumes of female candidates directly to the decision makers in order to promote gender equity.