law-regulation

Politicians who support the idea of banking as a public utility may not be very concerned with the fate of community banks. Rather than say so directly, they gloss over the facts.

The only way to evaluate the appropriateness of Dodd-Frank's costs is to monitor the economic benefits that it creates. That's why the government needs to find a quantifiable way to measure the efficiency of its regulations.

Contrary to the CFPBÂ's paternalistic claims, most payday loan borrowers are aware that it may take them more than two weeks to repay the credit they take out.

A recap of the informed opinions (and the discussions they generated) on BankThink this week, including banks' subpar shareholder value and how big-data advocates can better communicate with critics who worry about the technology's potential discriminatory effects.

Small installment loans with monthly payments limited to 5% of a borrower's income offer a way for banks to serve low-income customers' credit needs while turning a profit.