By repealing the Biden administration’s AI safety guidelines, President Trump has created a chance for the banking industry to demonstrate that it can be a leader in protecting consumers, writes Deon Crasto, of Velocity Global, in @AmerBanker @BankThink.

The time is ripe for Congress and the president to shrink the FDIC’s board of directors back down to its original three members, removing the Consumer Financial Protection Bureau’s seat, writes former FDIC director Joe Neely in @AmerBanker @BankThink.

In banking, some customers are riskier than some banks can tolerate. If Congress doesn’t like where banks draw the line, it needs to understand what moving it will entail, writes Travis Norton, of Acumen Strategies, in @AmerBanker @BankThink.

Long-term partnerships between banks and fintechs are the real future of financial services. Pharmaceutical firms’ relationships with contract research organizations offer a useful model, writes Nigel Morris, of @QEDInvestors, in @AmerBanker @BankThink.

The devastation of communities across Southern California will cause tremendous stress on the banks that serve them and should be a wake-up call to take climate risk more seriously, writes Shayna Olesiuk, of @BetterMarkets, in @AmerBanker @BankThink.

AI isn’t inherently good or bad; its value depends entirely on how it’s used. For financial institutions, this means shifting the focus from internal productivity gains to customer outcomes, writes Joey Rault, of Codat, in @AmerBanker @BankThink.

The high-profile lawsuits issued at the end of the Biden administration indicate that the agency cares more about pursuing a political agenda than it does about helping American consumers, writes Joseph R. Mason, of @Wharton, in @AmerBanker @BankThink.

Effective bank leaders recognize that the success of any team relies not just on those in the spotlight but also on the numerous unsung heroes working behind the scenes, writes Dave Martin, of @BankMechanics, in @AmerBanker @BankThink.

There are reasons to be cautious about how a strategic bitcoin reserve is established, but the economic arguments for including one in the federal government’s portfolio are strong, writes Robert Murphy, of @infineogroup, in @AmerBanker @BankThink.

CTRs have become next to useless in the fight against money laundering. It’s time to retire them in favor of more modern and effective measures, write Greg Baer and Gregg Rozansky, of @BankPolicy, in @AmerBanker @BankThink.

FX pros have long recognized that the most commonly used spreadsheet program struggles to keep up with an evolving marketplace. It’s time to bring AI into the mix, writes Ashley Groves, of @DeagloInc, in @AmerBanker @BankThink.

Organizations are beginning to see AI not as a panacea but as a powerful, albeit complex, tool that requires thoughtful implementation, writes Alex Ford, of Encompass, in @AmerBanker @BankThink.

Creating a large federal bitcoin reserve would expose a major U.S. asset to potential Chinese meddling, writes Alison Jimenez, of Dynamic Securities Analytics, in @AmerBanker @BankThink.

As Americans increasingly rely on digital payments, industry players, regulators and law enforcement need to work together to ensure fraud is kept at bay, writes Denise Leonhard, of @Zelle, in @AmerBanker @BankThink.

The incoming administration will have a number of tools at its disposal to immediately pare back stifling federal regulation of financial services and boost the housing market, writes Trey Tagert, of Collin College, in @AmerBanker @BankThink.

National banks have, so far, been insulated from crypto disasters. Congress and the incoming administration should avoid eliminating the guardrails that have kept banks safe, writes acting Comptroller of the Currency Michael Hsu, in @AmerBanker @BankThink.

Making the cancellation of private mortgage insurance policies automatic when a home’s loan-to-value ratio is lower than 80% would be a huge benefit for borrowers, write two former Freddie Mac economists in @AmerBanker @BankThink.

New open banking rules have created the potential to enable smaller institutions to compete more effectively with their larger peers — if they’re willing to seize the opportunity, writes Susan Foulds, of @KeynovaGroup, in @AmerBanker @BankThink.

When it comes to implementing artificial technology in the investment banking sector, standing on the sidelines is no longer a viable strategy, writes Julien Villemonteix, of @Up_Slide, in @AmerBanker @BankThink..

An alarming percentage of cyberattacks in 2024 exposed eight or more pieces of sensitive customer information. Banks need both proactive and reactive strategies in place to protect customers, writes Jim Van Dyke, of @TransUnion, in @AmerBanker @BankThink.