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The probability of a trade war-induced recession is unclear, but banks have a responsibility to prepare for a serious economic downturn on par with the 2008 financial crisis, writes Adam Mustafa, of Invictus Group, in American Banker BankThink.bit.ly/4kTefUh

Legislation pending in Congress would go a long way toward giving banks confidence that they can provide services to legal cannabis businesses without putting themselves in jeopardy, write Terry Mendez and Michael Bronstein in American Banker BankThink.bit.ly/3T7GlPD

The creation of a Strategic Bitcoin Reserve is a tempting target for bad actors, raising the stakes for everyone in the areas of anti-money laundering, cybersecurity, market-volatility and sanctions-screening, write three experts in American Banker BankThink. bit.ly/3FHgUBt

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 Pat Kinsel, of Proof, in American Banker BankThink.bit.ly/4mQzFTI

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 American Banker BankThink.bit.ly/3ZRgBL1

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 American Banker BankThink.bit.ly/4jG4jMH

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 Stephen Scott, of Starling, in American Banker BankThink.bit.ly/4jKReSg

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 Luke Voiles, of Pipe in American Banker BankThink.bit.ly/3HC0Amd

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 Markus Infanger, of Ripple, in American Banker BankThink.bit.ly/44dARsS

It is time we work to support banking organizations in trouble, rather than punishing them and the public, writes @EugeneLudwig, of Ludwig Advisors, in American Banker BankThink.bit.ly/4kBqW6i

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 Paul Davis, and Phil Buffington, of Balch & Bingham, in American Banker BankThink.americanbanker.com/opinion/in-a-r…

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 American Banker BankThink.bit.ly/3G57vni

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 University Law School, in American Banker BankThink. bit.ly/45wUm0W

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 University Law School, in American Banker BankThink.bit.ly/45wUm0W

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 American Banker BankThink.bit.ly/44eVnZa

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 American Banker BankThink.bit.ly/3ZFEuW3

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 American Banker BankThink.bit.ly/3HWflQK

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 American Banker BankThink.bit.ly/44iIVYa

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 American Banker BankThink.bit.ly/4l6uQEB

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 American Banker BankThink.bit.ly/3I8AAis