There are lots of guesses about what's in store for banking, business, and everybody. Lots of entities have already posted their predictions for 2013 and beyond. Some are-excuse the phrase-predictable, while others are way out there. It's likely more such lists will emerge soon. Here's a roundup of some:

Rewriting a bank's "script" to break "institutional" thinking

Regulators keen to avoid parallels to mortgage servicing problems

And banks that aren't up on new program details

Being a continuation of our First Person article on the adventures on mule back of a California community banker

Making a list, checkin' it twice ...

Mid-sized banks see worst trend since 2008

Ken Clayton and Bill Boger give prospects for 2013 legislation and more in an exclusive interview