Retail & Commercial

American Banker readers share their views on the most pressing banking topics of the week, from the qualities we should look for in the next sheriff of Wall Street to overdraft fee regulation. Comments are excerpted from reader response sections of AmericanBanker.com articles and from our social media platforms.

The Consumer Bankers Association praised banks' discipline on managing credit quality for student loans after a report showed a drop in delinquencies.

A Federal Trade Commission crackdown on a failed Kickstarter campaign may presage closer government scrutiny of peer-to-peer lending.

Atlantic Capital Bancshares in Atlanta has increased the portion of its common stock to be used in its pending $160 million acquisition of First Security Group in Chattanooga, Tenn.

North Shore Bank in Peabody, Mass., has agreed to merge with Merrimac Savings Bank in Massachusetts.

Community Bank System and Oneida Financial, both of western New York state, have delayed the closing of their merger after settling a shareholder lawsuit that challenged the deal.

An analysis by the National Center for Health Statistics shows that the number of Americans experiencing problems paying their medical bills fell between 2011 and mid-2014.

Alternative data used to score "credit invisibles" may do more harm than good. That's because in areas like employment and insurance, no credit score is often better than a bad one.

Wells Fargo and Toronto-Dominion Bank are exploring offers for a batch of U.S. commercial-lending businesses General Electric is selling as whittles down its finance arm.

New York's highest court may have shut the door to many future lawsuits over flawed mortgage bonds, ruling investors have six years from the day the deal closed to pursue remedies.