PayThink

Regulators can solve the supersized bank problem by removing barriers to market forces. The most important step is to offset the implicit senior debt funding subsidy.

The Bipartisan Policy Center is launching Financial Regulatory Reform Initiative to evaluate the effectiveness of the Dodd-Frank Act.

We need more experts who can investigate what happened and identify the perpetrators of attacks rather than simply focus on protecting our critical infrastructure.

Student loan borrowers have been sharing their complaints with the CFPB, and the stories "bear an uncanny resemblance to problematic practices uncovered in the mortgage servicing business," says the agency's student loan ombudsman in a report to Congress.

Consistency and ample communication are the cornerstones of acquisition announcements. Compassion and reassurance to your new team members flow to your customers and the community.

And for the same reason those guarantees were limited and temporary – namely, moral hazard – TAG should not be extended.

Lenders and consumer advocates are critical of a probable CFPB compromise in which lenders get safe habor from ability-to-pay lawsuits for all "qualified mortgages" except for those with subprime interest rates.

Relying solely on a fortress mentality that trusts in firewalls, antivirus and other countermeasure technologies has been shown, time and again, to be insufficient.

Repeal Dodd-Frank and replace it with what? "Possible replacements are unlikely to work or to be politically feasible," writes Steven M. Davidoff. And big banks have been getting bigger because it makes economic sense for them, not because Dodd-Frank is spurring them on, he argues.

Nonbank competitors are forcing financial institutions to utilize new skills sets. Conservative thinkers must now be imaginative, followers must become visionaries and the risk adverse must embrace uncertainty. Here's how to develop a forward-looking strategy in the changing landscape.