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 our social media platforms.

The Federal Trade Commission filed a lawsuit against NetSpend on Thursday, alleging that the prepaid card issuer deceived consumers in its advertising.

CEO Tim Sloan, who took over from John Stumpf last month as the bank tries to put a phony-accounts scandal behind it, apologized to employees who may have faced such retribution.

Midland States Bancorp in Effingham, Ill., has launched an efficiency push after a period of expansion that reached another milestone Thursday.

The bank's decision, announced Wednesday is an indication many in the industry believe the rule isn't going away, despite speculation that the incoming Trump administration could delay or kill it.

Citigroup has made some of its application program interfaces available for third-party developers.

The historic election has presented an opportunity for a comprehensive overhaul of the housing finance system after eight years of gridlock.

Banks have been waiting on Justice Department guidelines on how to make their websites compliant with the Americans with Disabilities Act, but many are being advised to take action now or face lawsuits from disabled customers.

Bankers can't start spending their tax cuts under the Trump administration yet because there are so many X factors — including what exactly the new president would seek to steer through Congress. But they sure have fun thinking about what they'd do with the billions of dollars in savings that are possible.

Meta Financial in Sioux Falls, S.D., has agreed to buy the tax advance and consumer lending business of Specialty Consumer Services in Hurst, Texas.

The heightened refinancing activity is seen as increasing Ginnie Mae prepayment speeds and reducing the value of mortgage servicing rights.

Green Dot reported net income of $2 million in the third quarter as the prepaid card issuer sought to overcome the revenue it lost by discontinuing one of its most popular products.

The credit agencies played a role in the Great Recession, but marketplace lenders still need ratings oversight to make their businesses viable.

UpLift is the latest Silicon Valley startup seeking to peel off a slice of the $1 trillion credit card market.

Machine learning can revolutionize online financial management tools by not only tracking payments, but creating a way to change payment habits in the future, says John Frankel, a founding partner of the New York-based ff Venture Capital.

Many community bankers are hopeful that the pro-business Republican will reduce regulatory costs for them and their customers, but others remain concerned about Trump's lack of specifics on job creation.

President-elect Donald Trump might attempt to remove Consumer Financial Protection Bureau Director Richard Cordray from his post and boost legislative efforts to weaken its powers.

Green Dot reported net income of $2 million in the third quarter as the prepaid card issuer sought to overcome the revenue it lost by discontinuing one of its most popular products.

New York Community's acquisition of Astoria Financial will not get the necessary regulatory OK this year, but both parties “remain committed to the transaction,” the CRE-heavy acquirer said.

Bill.com has gained traction in recent years with a few large banks that market its electronic bill payment service for businesses, but reaching a wider audience has been tough because small businesses are a tough nut for banks to crack.