Treasury’s Office of Financial Research OFR was created for moments like this, when financial innovation accelerates and uncertainty builds. This is no time to slash its personnel, writes Greg Feldberg, of @YaleSOM, in @AmerBanker @BankThink.

A huge percentage of Americans, particularly Gen Z and millennials, score poorly on financial literacy tests, with predictable consequences. AI-powered agents would help empower them, writes Scott Smith, of Fizz, in @AmerBanker @BankThink.

Countries around the world are retreating from the economic integration that drove growth in the post-Cold War era. The result will be an unnecessary hindrance of progress, writes Alex Tsepaev, of @B2PRIME, in @AmerBanker @BankThink.

The insights of frontline employees can be invaluable tools for improving a bank’s operations. It’s up to executives to get out of the office and listen to what they have to teach them, writes Dave Martin, of @BankMechanics, in @AmerBanker @BankThink.

For too long, America has taken a back seat when it comes to stablecoin regulation. House members have the opportunity to rectify that problem by sending the GENIUS Act to the President’s desk, writes Heath Tarbert, of @Circle, in @AmerBanker @BankThink.

Many young people begin adulthood without a solid grounding in the basics of personal finance. Banks and other financial institutions are in a unique position to provide that knowledge, writes Latreace Wells, of Fisk University, in @AmerBanker @BankThink.

The president can unwind the federal government’s stake in Fannie Mae and Freddie Mac to direct proceeds to a housing remainder trust to close critical gaps in real estate lending, writes Joshua Rosner, of Graham Foster & Co., in @AmerBanker @BankThink.

The OCC’s decision to remove reputational risk from banks supervision plans means that one of examiners’ most effective tools has been stripped away, writes Brett Erickson, of Obsidian Risk Advisors, in @AmerBanker @BankThink.

The president’s rush to weaponize trade policy will accelerate efforts by other countries to decrease reliance on U.S.-based payments processors. That’s not in the country’s interest, writes Eric Grover, of Intrepid Ventures, in @AmerBanker @BankThink.

The removal of the Consumer Financial Protection Bureau as a viable regulator has thrown the doors open to the kind of unscrupulous behavior that triggered the last major financial crisis, writes Kathleen Engel, of @Suffolk_Law, in @AmerBanker @BankThink.

The removal of the Consumer Financial Protection Bureau as a viable regulator has thrown the doors open to the kind of unscrupulous behavior that triggered the last major financial crisis, writes Kathleen Engel, of @Suffolk_Law, in @AmerBanker @BankThink.

Automated systems respond poorly when confronted with edge cases and unfamiliar circumstances. But those are the moments a customer’s trust in a bank is established, or lost forever, writes Katerina Brahy, of @MapsCU, in @AmerBanker @BankThink.

As the Trump administration dismantles the supervisory structure built up over past decades, regulatory risks are being supplanted by other dangers, write Paul Davis, of @The_Bank_Slate, and Phil Buffington, of @BalchBingham, in @AmerBanker @BankThink.

It is time we work to support banking organizations in trouble, rather than punishing them and the public, writes @EugeneLudwig, of Ludwig Advisors, in @AmerBanker @BankThink.

Tokenized financial products are rapidly advancing into asset classes like private credit and commercial real estate. American banks must lead, before global competitors set the terms, writes @MarkusInfanger, of @Ripple, in @AmerBanker @BankThink.

Small businesses are essential to the ongoing prosperity of the United States, but they are not well served by the country’s largest banks. For everyone’s sake, that needs to change, writes @LCSVoiles, of @Pipe in @AmerBanker @BankThink.

The HUMPS Act, pending in Congress, would take necessary steps to begin putting some guardrails around regulators’ assessment of the quality of banks’ “management,” writes @SJScottintl, of @StarlingTrust, in @AmerBanker @BankThink.

Banks can now make loans of less than $1,000 easily and profitably. Increasing their availability would benefit consumers, communities and, most of all, banks themselves, writes Tahan Menon, of @ideas42, in @AmerBanker @BankThink.

Trump’s bank regulatory team is advancing all types of wish-list reforms, some more radical than others. When, not if, the political winds change, banks should be ready for a sharp reversal, writes Ken Thomas in @AmerBanker @BankThink.

The government should encourage financial institutions to use advanced technologies to protect customers from fraud by agentic AI, not punish them for innovating in response to new threats, writes @PatK, of @Proof, in @AmerBanker @BankThink.