Opinions

Many standard procedures are possible as there are significant similarities in the information requirements across the globe, writes Zac Cohen, general manager for Trulioo.

Additional data such as college major enhances the ability to provide credit to thin-file consumers. But could it create other issues?

In a somewhat surprising decision, House Financial Services Committee Chairman Jeb Hensarling announced his retirement from Congress on Tuesday, but speculation immediately grew that he could fill a regulatory post.

A GAO determination has effectively nullified a 2013 leveraged lending guidance. But that leaves the future uncertain about what, if anything, regulators will devise to replace it — and how banks should treat such loans in the meantime.

Text analysis holds the promise of improving lenders’ ability to evaluate which borrowers will repay, but it also carries substantial risks.

Political stalemates have convinced many executives that relief will only come when agency leaderships turn over.

Big banks have raised deposit rates faster than regionals in order to retain depositors; India’s largest payment app wants to expand.

American Banker reporter Kate Berry explains the Senate's vote on arbitration and what the CFPB might do next.

While increasing de novo activity is encouraging, the processes of chartering a bank and applying for deposit insurance are more onerous, lengthy and costly than they need to be.

The new tool tracks both serious and general delinquencies down to a county level and features interactive charts and graphs.