Fintech regulations

The Rakuten application has piqued interest in reviving legislation aimed at stopping commercial firms from owning banks. Yet Congress previously had the chance to enact such a measure and declined.

The startup Rho argues that small firms still have unmet needs, especially tracking cash flow in real time.

The leader of a new Compliance and Payments Task Force dives into how it will address emerging issues of counterterrorism financing in the digital age.

The international regulatory group said that despite some benefits from tech firms' incursion, the companies' efforts may present operational and disruption risks.

Facebook’s stablecoin initiative has inspired countless ideas about how to put fintech under the control of federal regulators. Here are the most critical questions.

The two Democratic senators said the bureau's policy could allow companies to circumvent consumer finance laws.

Instead of imposing interest rate caps, policymakers should require online lenders to provide clear disclosures and promote partnerships with banks.

The fintech firm, which had made prior attempts to offer a federally insured consumer account product, said it has “no plans at this time” to become a bank.

Former Comptroller Thomas Curry, who initially proposed the special charter now blocked by a judge, calls on policymakers to find another way to regulate financial tech startups.

A more practical approach for U.S. regulators on whether to bring fintechs into the banking fold might be "better the devil you know than the devil you don’t."

Banks’ third-party technology providers may face increased scrutiny; Rep. Porter wants more data about "confusing" checking account fees.

Readers react to the FDIC's proposal allowing banks to hire ex-cons, regulators looking into climate-change risk at banks, whether rewards programs drive loyal customers and more.

New data analytics could help provide more comfort to banks in doing business with the cannabis industry, despite restrictive federal laws.

Congress can help create a more uniform federal regulatory testing ground to foster innovation.

Former Comptroller Thomas Curry, who initially proposed the special charter now blocked by a judge, calls on policymakers to find another way to regulate financial tech startups.

China dominates the business. Facebook's proposed cryptocurrency could help alter the balance of power.

Sen. John Kennedy, R-La., has proposed a bill to bar companies such as Rakuten from using industrial loan companies to access the banking system.

Congress can help create a more uniform federal regulatory testing ground to foster innovation.

The Clearing House is pushing contract terms that would give fintechs quicker access to consumers' financial information, but one large upstart has taken issue with the proposal's language.