Consumers are back to their old spending and saving habits; Trump administration is encouraging financial innovation; how the financial crisis shaped today's politics; and more from this week's most-read stories.

The OCC has simplified language detailing how fintech charter applicants will clear requirements for meeting community needs. The move has some consumer groups worried.

The company’s first COO, Vishwas Prabhakara, is hoping to help the automated savings app startup build scale.

The trend poses challenges for banks, which have long required customers who want fees waived to put in their own effort.

Three credit unions have signed on with the Costa Mesa, Calif.-based fintech aimed at helping consumers pay down credit card debt.

The industry group wants the FDIC to reject an ILC request from student lender Nelnet and impose a two-year ban on future applications.

Treasury, OCC want to make it easier to compete with banks; the two banks will sell notes and other products through a broker network.

The larger the business grows, the more difficult and time-consuming it will be to make the fundamental changes required, according to Justin Shipe, vice president of information security for CardConnect, and Aaron Largent, director of infrastructure for CardConnect.

The Trump administration is making more than 80 recommendations to encourage financial innovation within a regulated space, including endorsing the creation of a federal fintech charter.

Paying international suppliers through a bank portal is a painful, expensive process that creates unnecessary friction for burgeoning cross-border trade. There are better fintech alternatives, writes Karla Friede, CEO of Nvoicepay.

Time is running out to apply to win one of Credit Union Journal's Best Practices Awards.

Some startups are eschewing San Francisco and New York to set up shop in the middle of America. And for good reason.

Banks should continually try out new technologies, even after failed experiments.

Federal bank regulators consider roughly a dozen new rules; firms tout tools to help financial institutions bank legal marijuana-related businesses; Mick Mulvaney defends CFPB enforcement powers; and more from this week's most-read stories.

The outage that halted a portion of Visa payments in Europe was almost two months ago, but the card brand is still explaining what happened and attempting to isolate the incident.

Spurred by the PSD2 regulation, the introduction of open banking has also played a key role in a shift to software-delivered services, according to Jason Bobb, senior vice president of global sales and business development for Canonical.

Whether you're lounging on the beach sipping mojitos, hiking the Smoky Mountains, or, like many of us, taking a breather from household chores on your staycation, you still need an escape from time to time.

Gareth Burton comes to the banking technology provider from a multinational construction firm.

Banks should continually try out new technologies, even after failed experiments.

The Boston bank said the digital lending platform has cut down the time it takes to deliver loan decisions by roughly 40%.