Regulation

Start the New Year right, with new ways to think about widening your bank's customer base, lowering your legal costs, mentoring your executives, maximizing tech investments and more.

Banking regulators' nonchalance about preparing for a crisis is puzzling.

LNB Bancorp in Lorain, Ohio, is inching its way toward exiting the Troubled Asset Relief Program.

Political squabbles on Capitol Hill and the tight presidential race put key confirmations on the backburner in 2012, but confirmed regulatory leaders will speed up progress on many fronts next year.

It is time for the FHA and its supporters to put the interest of working-class families ahead of real estate agents and other interest groups who want to expand its abusive lending practices.

Uncharacteristically for a bank, BankPlus decided four years ago to compete with payday lenders. Now it successfully offers a small-dollar loan product, with significantly better terms.

Bachus, Hensarling seek a two-year wait period on implementation. At that rate, a rule first authorized in 2010 won't take effect until 2015.

The landscape has changed radically in the last two decades. In most states, the number of banks has fallen sharply. But some states have emerged as storehouses for the nation's lending giants.

It's been a rocky year for digital currencies. Facebook began phasing out its Facebook Credits while Bitcoin continues to suffer a bad reputation. However, there are some promising developments on the horizon, with experienced payments providers joining in the digital currency game.

Delanco Federal Savings Bank in New Jersey must fix asset-quality, risk management and other problems under a written agreement with the Office of the Comptroller of the Currency.