PayThink

"Angst over fair-lending enforcement was palpable," at a mortgage conference where lenders asked advice about the upcoming Consumer Financial Protection Bureau exams, observed our Kate Berry. Industry experts provided answers. Step One: check your HMDA data...

The payment hierarchy is dynamic. Lenders using historical payment models to set strategy risk significant exposure on their existing loan portfolios as well as on acquisition opportunities when consumer preferences inevitably shift.

A judge's decision to vacate the Commodities Futures Trading Commission's rule on position limits for derivates undermines all Dodd-Frank implementation efforts, writes an op-ed contributor to The Street.

An alternative capital requirement that allowed Lehman and Bear Stearns to build up huge subprime portfolios and incur excessive leverage remains in effect for six large broker-dealers and investment banks.

Serving the unbanked requires a worldview that most industry insiders don't have, but truly need in order to innovate responsibly on behalf these consumers. Here are insights some companies have gleaned from spending a day as the underserved.

It's been my experience that the closing of in-store branches generates more chatter than the fact that another bank often immediately opens and prospers in those exact spaces.

In a court hearing retailers will argue that the Federal Reserve Board got the implementation of the Durbin amendment wrong with the 21 cent limit. They argue the Fed's early proposed 12 cent limit was the more accurate interpretation of that part of Dodd-Frank.

Banks with less than $10 billion in assets are exempt from clearing and exchange trading requirements, but as derivative users they will have to post margin, keep records and amend documents.

Don't focus solely on cost savings. Instead, articulate that you're willing to look at new ideas and projects to help improve margins. This will inspire managers to tap into a fresh wave of thinking.

Intended to bring together the entire universe of U.S. financial regulators in the hope that doing so would identify and forestall new risks to the financial system, the FSOC, two years in, has not identified much and can therefore be credited with little forestalling, writes the ABA's Wayne Abernathy