Viewpoints
Submission guidelines Send a letter
Letter to the Editor: Give Watchdog CRA Teeth
American Banker | Jul 22 | Free with RegistrationTo the Editor:
The Consumer Financial Protection Agency, the new consumer watchdog agency proposed by the Obama administration, must be endowed with broad authority protect consumers and communities from the financial industry's worst practices ["In Rush for New Agency, Key Details Up in the Air," July 13].
Letter to the Editor: Blame About GSEs' Downfall Misplaced
American Banker | Jul 17 | Free with RegistrationTo the Editor:
I was dismayed by FHFA Director James Lockhart's comments ["In Finance Agency's Birth, a Lesson for Obama Plan," July 8] blaming Fannie Mae and Freddie Mac's affordable housing goals for their downfall. Director Lockhart was quoted as saying, "Some of the problems we have today may have been the result of excessive requirements on affordable housing goals."
Letter to the Editor: Why Warehouse Lending Should Not Be Shunned
American Banker | Jul 15 | Free with RegistrationTo the Editor:
I have read many articles concerning the lack of liquidity in the warehouse banking sector, but they only served to underline that liquidity is a serious issue for the resurgence of home buying and refinancing. To date no one has spelled out the financial benefits for a bank to enter this lucrative lending space.
Commentary & Opinion
Cards/Payments
PCI Standard Still the Best Answer to Fraud
American Banker | Jun 26 | Free with RegistrationIt is a program of basic security safeguards that protect a company from hackers and let it detect intrusions quickly with minimal harm done. But it's not a "silver bullet."
More Cards/Payments Viewpoints
Community Banking
Be Proactive to Minimize Loan Damage
American Banker | Jul 31 | Free with RegistrationThe moment a bank anticipates, or sees, signs of nonperformance, it is absolutely essential to meet with the borrower in person and ask the tough questions.
More Community Banking Viewpoints
Markets
Four Keys to Post-Crisis Performance Strength
American Banker | Jul 29 | Free with RegistrationThe banks that most effectively restore customer trust, reduce costs, embrace analytics, and integrate risk management will be the industry's high performers.
Mobile Banker
Obstacles, Opportunity for the Mobile Wallet
American Banker | Jul 15The fragmentation of the U.S. wireless and financial services arenas makes for difficult navigation for carriers and banks as each entity seemingly has its own agenda.
Mortgages
The Dangers of Subjective Credit Scores
American Banker | Jul 24 | Free with RegistrationThe moment we insert subjective changes into the mathematical world of analytics, scores would no longer be reliable predictors of credit risk, becoming less relevant to lenders.
National/Global
Making Risk Capital More Stable
American Banker | Jul 31 | Free with RegistrationBanks that have the capacity to collect the right data now will have an invaluable data set for predicting customer behavior and default risk over the next cycle.
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Technology
Why Deny Remote Deposit to Any Customer?
American Banker | Aug 5 | Free with RegistrationIt is time to stomp on the gas, get over in the passing lane and take advantage of the opportunity you have to deploy RDC to your customers before your competitor does.
Washington/Regulatory
Reform Target: Infrastructure Diversity
American Banker | Aug 5 | Free with RegistrationWe need a diverse industry held accountable by able state and federal authorities armed with the legal and statutory tools necessary to provide effective consumer protection.
More Washington/Regulatory Viewpoints
Wealth Management
Money Market Funds Have No Place on Banking Sheets
American Banker | Apr 21Refining SEC rules to build on the lessons of last fall's experience and pursuing ICI's suggestions would be well worthwhile. A "death sentence" is fundamentally a bad idea.
