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An upcoming Senate Banking Committee vote this month could be the tipping point needed for housing finance reform to actually happen — or it could signal yet more stagnation. American Banker editors discuss the political stakes and potential pitfalls as Congress attempts to change how the government supports the mortgage market.

The U.S. Post Office should get into banking. With that assertion, agency Inspector General David Williams created quite a stir a few months ago. Behind the proposal are dueling postal officials with very different policy positions and agendas. Plus a murmur of momentum on Capitol Hill. American Banker reporter Kevin Wack explains.

Mobile banking has expanded beyond the market for youthful early adopters and is rapidly becoming a mainstream product. American Banker reporters discuss who else is logging on and the hurdles the industry faces to keep the momentum going.

For mortgage lenders, "subprime" can sound like a dirty word, especially after the financial crisis. But now some mortgage companies, in search of new business, are starting to loosen their credit standards again. As some banks and nonbank lenders, including Wells Fargo and Carrington Mortgage, offer mortgages to less creditworthy borrowers, are the subprime mortgage floodgates about to open wide?