PayThink

Bankers are concerned about how sharing information with the Consumer Financial Protection Agency will affect client confidentiality. "Typically, information given to a third party loses attorney-client privilege, and prior legislation formally exempted the other bank regulators from that rule," writes American Banker's Joe Adler. "But Dodd-Frank did not expressly include the CFPB in that exemption.”

We won't have another nationwide bubble for 35 years or so. By then, cautionary tales from 2007-09 will seem irrelevant to those with modern skills and advanced risk management capability.

Two years into Dodd-Frank implementation, how is compliance going from an information technology perspective? Banks still have plenty of IT challenges to work through, agree consultants in a collection of mini-essays presented by Bank Systems & Technology. Curiously the lone voice of optimism the mix comes from a bank CEO.

You've probably heard of the Office of Financial Research's database for tracking financial companies like barcodes. It's also tasked with building another system that's equally critical – and a much greater technical challenge.

How can we make sure that when the big banks' troubles give us a chance to compete for new members, we have the weapons to compete effectively?

Some observational souvenirs picked up in various airport gift shops. And before you ask, no, I didn't save the receipts and you won't be getting a refund.

Historically low interest rates and weak loan demand have masked the long-term profit potential of core deposits. When (not if) the cycle turns, community banks' earnings power will reappear.

Payday and advance deposit loans have been getting a lot of regulatory attention recently.

Many borrowers with great credit can't get financing rates commensurate with their low risk. There's a major opportunity for banks to generate attractive returns by providing fairly priced student loans to these customers.

Rep. Barney Frank says the Supreme Court's ruling on Thursday to uphold President Obama's healthcare reform legislation gives a bleak outlook for legal opposition to Obama's other major piece of legislation: the Dodd-Frank Act.