Opinions

A recap of the informed opinions (and the discussions they generated) on BankThink this week, including ideas about how to improve disclosure requirements and ways to encourage banks and young tech firms to join forces.

Lenders and real estate agents may have to extend the usual 30-day timelines for rate locks and sales contracts while they get acclimated to the new Consumer Financial Protection Bureau mortgage disclosures that take effect in October.

A bipartisan group of lawmakers has introduced the first Senate bill protecting banks involved with legal marijuana businesses.

Federal prosecutors are cracking down on violations of the Bank Secrecy Act — often without first clarifying to virtual currency firms and other industries the sort of behavior will get them in trouble.

American Banker readers share their views on the most pressing banking topics of the week. Comments are excerpted from reader response sections of AmericanBanker.com articles and from our social media platforms.

The Republican presidential contender is reviewing legislation opposed by banks that would allow payday loan stores to expand into a variety of new products and services.

The Consumer Financial Protection Bureau has suggested that financial institutions get busy on implementing consumer protections for real-time and faster payments.

Federal Reserve Board Gov. Lael Brainard jumped into the debate over growing concerns about diminishing market liquidity, conceding that new bank rules may be a factor.

Deposit premiums could rise at 20% of banks with up to $10 billion in assets. Many of those banks could rethink asset concentrations that would trigger higher assessments.

While the Federal Reserve and other regulators extended the deadline for some parts of the Volcker rule, July 21 is the deadline for all banks to have a compliance regime in place.