Even the best technologies take time, making it necessary to rein in expectations about what will happen and won't happen in the coming year.

Readers this year responded to Mick Mulvaney's leadership at the Consumer Financial Protection Bureau, the banking industry's role in the national gun debate, Rep. Maxine Waters' upcoming leadership of the Financial Services Committee, the influence of tech companies like Facebook and Amazon on financial services and much more.

Rushing to copy the Amazon experience, banks and fintechs are focused on simplifying financial services online. A Georgia Tech researcher says that approach is risky.

Financial institutions would be wise to use the end of 2018 as an opportunity to ensure their cyber defenses are beefed up for new threats next year.

Even the best technologies take time, making it necessary to rein in expectations about what will happen and won't happen in the coming year.

The biggest question is whether new CFPB Director Kathy Kraninger will deviate from the pro-industry policies of her predecessor, or bring continuity.

Bankers cry foul over Robinhood's checking and savings accounts; Amazon, Google, Apple and PayPal are at odds with big banks over Fed's role in faster payments; Kraninger scraps plan to rebrand CFPB; and more from this week's most-read stories.

Prometheum may succeed whether others have failed because it has attempted to work closely with regulators.

The personal finance management tool will allow members to combine accounts from other institutions and track spending.

The promotion of “insured” accounts by nonbanks and fintechs is a worrying trend, because it could leave customers falsely believing their accounts are just as safe as FDIC-insured ones.