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The Federal Housing Administration's long-awaited decision to start accepting electronic signatures on mortgage documents will cut down on costs and streamline operations for banks and other mortgage lenders. But the industry still faces several hurdles before it can reap the benefits of this technology upgrade.

Microsoft is scheduled to stop supporting Windows XP, the operating system inside most ATMs, on April 8. Diebold chief executive Andy Mattes weighs in on the impact to the industry.

There's a reason Bitcoin startups have such a hard time getting or keeping bank accounts. Providing banking services to firms that exchange the digital currency requires a higher level of due diligence than banking traditional money services businesses, says Henry Balani, a managing director at Accuity. The anonymous (or pseudonymous) nature of Bitcoin addresses presents higher risk, he says.

Community banking representatives met with hostility a recommendation that the U.S. Postal Service consider offering financial services. The proposal raises questions about whether the Obama administration is trying to circumvent Congress and replace payday lenders with a government entity. American Banker staffers discuss.

Data breaches may be impossible to prevent, but there are ways to block card fraud from following. Andy Mattes, chief executive of ATM manufacturer Diebold, shares his views on how to secure ATMs and POS terminals.

Regulators have been investigating a broader range of offenses that can trigger money laundering charges than a few years ago, says Henry Balani, a managing director at consulting firm Accuity. In addition to traditional predicate offenses (such as sanctions violations), banks now must guard against potential laundering of proceeds from tax evasion, bribery and corruption, and securities and mortgage fraud. Also, global banks that hope to grow by financing trade, particularly in newly opened markets like Shanghai, must make sure that the goods transported under their letters of credit are not used for nefarious purposes, Balani says.