Policy & Regulation

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.

Banks need to take a hard look at the age-old practice of using signatures to authenticate card payments, Federal Reserve Gov. Jerome Powell said Thursday.

Despite some silver lining, analysts say the Supreme Court decision upholding "disparate impact" in fair-lending disputes will only embolden activists and regulators to bring more cases.

During a hearing Thursday, Democrats wanted to talk about anything but allegations of employee discrimination at the CFPB raised by recent American Banker articles. Instead, they wanted to focus on alleged discrimination by banks and other companies.

The Consumer Financial Protection Bureau went forward with a controversial move Thursday to include narratives in its complaint database.

If Congress fails to extend the Mortgage Debt Forgiveness Relief Act, thousands of homeowners still suffering from the effects of the housing crisis could be forced to pay federal income tax on loan modifications or foreclosures.

First Mariner Bank in Baltimore has been released from a six-year-old enforcement action, after the bank filed for bankruptcy last year and was acquired by a group of Baltimore investors.

In a huge win for housing advocates and a setback for the banking industry, the Supreme Court on Thursday upheld the use of "disparate impact" in a Texas case alleging housing-related discrimination.

If approved, Core Commercial Bank would be just the third new bank to open in the U.S. since the financial crisis.

In their ongoing quest to undo the most burdensome provisions of the Dodd-Frank Act, bankers invite lawmakers to spend a day in their branches.