Opinions

New York's regulation of Bitcoin businesses is "still not perfect," a Circle Internet Financial executive says, but it didn't want to pull its services from the state as some have.

While Congress has been unable to pass housing finance reform, Fannie Mae and Freddie Mac have done a good job of adhering to some of the spirit of recent bipartisan legislation, according to Mark Zandi, chief economist at Moody's Analytics.

WASHINGTON — The number of mortgage originations dropped 31% to 6 million in 2014 due largely to a decline in refinancing as interest rates increased, according to a report issued Tuesday by the Federal Financial Institutions Examination Council.

Contrary to the CFPB’s paternalistic claims, most payday loan borrowers are aware that it may take them more than two weeks to repay the credit they take out.

Kelly Cochran has vetted every rule that comes out of the agency, making her one of the most influential people in the financial services industry.

WASHINGTON — The Federal Deposit Insurance Corp.'s inspector general has cleared a senior attorney for the agency who had been accused of giving false testimony to lawmakers over the agency's role in "Operation Choke Point."

Despite pledges last year to move "aggressively" to implement new credit scoring models at the government-sponsored enterprises, the Federal Housing Finance Agency's effort appears to have stalled.

The Consumer Financial Protection Bureau finalized a rule Monday that will make it easier for some community banks to make qualified mortgages.

The half-a-percentage-point reduction in the Federal Housing Administration mortgage insurance premium provided a bigger pop to the housing market than expected, according to Mark Zandi, chief economist at Moody's Analytics.

Bank executives and outside experts finger technology as the area most in need of improvement when it comes to vetting financial institutions' ability to withstand the next bit economic shock.