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Steve Cocheo

Odds are, this child knows now what a dog is. For artificial intelligence, the learning process isn't as straightforward, nor as quick.

AI debate: "What's a dog?"

Debate over potential for artificial intelligence centers on how it learns
The time has come to rethink the roles of boards and risk committees in the enterprise risk management process.

Board's role in risk management evolving

Fed proposal and Deloitte study underscore directors’ duties in risk management
Exploring ALCO issues as the rate curve continues as is.

Banks against the yield curve

Coping with interest rates continues to challenge deposit and loan pricing decisions
Reforming CRA regulation, taking a fresh look at BSA/AML enforcement, getting banks back into small personal loans, and simplifying capital regulations rank high on the agenda of new Comptroller of the Currency Joseph Otting.

A banker takes OCC’s helm

A non-attorney, Joe Otting steps into top national bank regulatory post
The meaning of "pay by phone" has changed significantly in a couple of decades.

Brother, can you spare your app?

Retailer-branded mobile wallets like Starbucks’ may be payments wakeup
Why don't more innovations actually make it from the innovation lab to the bank's lines of business?

Making innovation centers actually produce it

Joining innovation club means nothing if bank doesn’t build on center’s work
America's going to be shopping for a lot on credit in 2018, and trends appear strong.

Consumer credit to stay strong even as rates rise

Credit usage may cross category lines more frequently
Banks will be happiest if they police themselves, rather than letting regulators be first to spot misconduct problems.

How employee misconduct hurts banks

NY Fed explores how bad apples turn operations into applesauce
A federal judge says a decision on the key question of whether OCC is empowered to issue fintech charters cannot be addressed yet.

Not “ripe,” says judge dismissing N.Y. fintech charter challenge

Lack of final rules and no actual charters granted tip scale
CFPB leadership wrangling keeps going

CFPB leadership wrangling keeps going

Two would-be acting chiefs to butt heads in court as friends begin lining up
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