PayThink

Issuers should develop strategies to make their account the primary one in a consumer's existing wallet and on new payment tools offered by companies like PayPal or Square.

Thrift holding companies, industrial loan companies and other limited-charter financial institutions will be subject to a rule, mandated by Dodd-Frank, that will require parent companies to act as a "source of strength."

The Dodd-Frank Act gives the Securities Investor Protection Corp. a new role in unwinding failed financial companies.

The regulatory risk from Basel III, Dodd-Frank and other pressures will keep banks from growing, and the economy can't grow, if banks don't.

Offer each retail customer the best terms for which he qualifies—and not just for mortgages. Don't count on a second chance to bargain or risk the legal and reputational consequences of offering less than your best.

Community banks should exploit their advantages based on convenience, personal service, local decision making and a relationship model reliant on deep customer knowledge.

Regulators, politicians, bankers, and former Federal Reserve Chairman Paul Volcker himself are all searching for a simple, easy to understand, yet effective way to implement the Volcker Rule that is consistent with a safe and sound banking system. We agree and believe we have a solution that should be of interest to all concerned.

Bitcoin lets users send money nearly instantaneously, at almost no cost, and (if desired) anonymously. Getting funds in and out of the system is the hard part. That may soon change.

Politicians, regulators and lenders still have much to learn from a period dominated by the "affordable housing" ideology.

Vikram Pandit's recent comments about Citi's size may provide insight into why this once-proud institution now limps along as one of the weakest of the bailed out, Too Big to Behave Banks.