Steps to improve credit access, evangelize for down payment programs and offer borrower counseling can stop and even reverse the decline in homeownership.
While existing state laws show that payday lending curbs lead to positive outcomes, those laws will still benefit from a strong Consumer Financial Protection Bureau rule.
Google should be applauded for deciding to ban payday loan-sponsored ads. But it should tweak some of the details so legitimate lenders can still advertise.
Students with excess cash but no bank account have fallen victim to predatory financial vendors, but the government can take steps to bypass the middleman.
As banks nationwide trim their branch personnel, they must also make sure the remaining staff in their brick-and-mortar stores know what they are doing.
It's easy to get lost in the technological complexity of "application programming interfaces," but banks need to stay focused on improving business and customer outcomes, which is the ultimate goal.
