RegFi Episode 65: Creating an SEC Safe Harbor for DAO Memberships
44 min listen
John Paller, founder of Opolis and ETHDenver, discusses compliant legal frameworks for decentralized autonomous organizations.
Financial regulation will change more over the next decade than it has in the last 50 years. How will technological innovation – including the adoption of machine learning, generative AI, digital currencies, and other fintech solutions – shape financial regulation for the digital economy?
Orrick’s Jerry Buckley is joined by Sasha Leonhardt, Sherry Safchuk, and Caroline Stapleton in hosting conversations with leading thinkers at the forefront of these changes, including regulators, legislators, financial services providers, data scientists, academics, opinion makers, consumer advocates and other market participants.
RegFi Episode 64: Navigating Multistate Licensing and Supervision in a Digital Era
35 min listen
We take a deep dive into the evolving role of state regulators in supervising fintechs and other nonbank financial services providers.
RegFi Episode 63: DOJ Issues Final Rule on International Data Transfers
39 min listen
The Data Security Program (DSP) rule restricts certain transfers of bulk personal sensitive data and U.S. government-related data.
RegFi Episode 62: The Expanding Role of State AGs in Consumer Financial Protection
26 min listen
We explore how state attorneys general and regulators are setting the standards for issues impacting the fintech and financial services industries.
RegFi Episode 61: Reimagining Financial Regulation for the Digital Age
52 min listen
Jo Ann Barefoot and Kabir Kumar join us to explore the future of financial regulation in the technology age.
RegFi Episode 60: Balancing Innovation and Regulation in the Blockchain Ecosystem
34 min listen
We explore applications of blockchain in the financial services industry and the evolving regulatory landscape for these technologies.
RegFi Episode 59: Don’t Sleep on the States: Financial Regulatory, Compliance & Enforcement Trends
25 min listen
Orrick partner Katy Ryan joins us for a look at how federal agencies and states interact in America’s dual-regulatory system for financial services.
RegFi Episode 58: Earned Wage Access: Charting a Clear Regulatory Path
30 min listen
We explore how EWA works and considerations for policymakers developing a regulatory framework to ensure consistent rules for market participants.
RegFi Episode 57: Opening a Path for New Bank Formations
35 min listen
Michele Alt joins us to discuss how federal regulators can improve efficiency and transparency in application process for de novo bank charters.
RegFi Episode 56: Housing Policy Moves Front and Center on the National Agenda
31 min listen
MBA’s Justin Wiseman discusses initiatives the incoming Trump administration could take to enhance housing availability and affordability.
RegFi Episode 55: Implementing the 1033 Rule: SSOs, APIs and Data Security
32 min listen
Jane Barratt discusses open banking and the role of FDX as the first standard setting organization approved by the CFPB pursuant to the 1033 Rule.
RegFi Episode 54: Imagining the Future of the CFPB and Consumer Financial Regulation
30 min listen
The RegFi co-hosts take a look ahead and discuss how what could be in play for consumer finance in 2025, and beyond.
RegFi Episode 53: Expanding the FCRA to Data Brokers
25 min listen
We explore the implications of the CFPB’s recently proposed amendments to Reg. V that would apply the Fair Credit Reporting Act to data brokers.
RegFi Episode 52: Fostering Innovation Through Responsible Regulation
34 min listen
Brandon Milhorn, President and CEO of CSBS, discusses the challenges and opportunities for community banks navigating evolving technologies.
RegFi Episode 51: Streamlining Mortgage Origination Through Digitization
30 min listen
We explore legislative changes that could facilitate digital mortgages and significantly reduce the cost of origination.
RegFi Episode 50: Navigating California’s Mortgage Landscape
30 min listen
Susan Milazzo, CEO of the California MBA, shares her insights on the challenges and opportunities facing mortgage bankers in the state.
RegFi Episode 49: CFPB’s 1033 Rule: Where to From Here?
30 min listen
We explore what lies ahead for the Personal Financial Data Rights Rule, which implements Section 1033 of the Dodd-Frank Act.
RegFi Episode 48: Digital Infrastructure, Fintech and the Future of Banking
34 min listen
Alex Acree, Chief Legal Officer at Unit, discusses the role that financial infrastructure providers play in the evolving digital banking ecosystem.
RegFi Episode 47: The Future of Financial Services: AI, Bots and the Metaverse
34 min listen
Fintech author and commentator David Birch shares his insights on developments from the cutting edge of financial innovation.
RegFi Episode 46: Consumer Banking in a Rapidly Changing Competitive and Regulatory Environment
31 min listen
Kelvin Chen outlines initiatives that the Consumer Bankers Association has underway to enhance consumers' understanding and experience.
RegFi Episode 45: Challenges and Opportunities in Banking Today: An Economist’s Perspective
34 min listen
The conversation explores commercial real estate credit risk, Fed monetary policy, and balancing technological innovation with financial stability.
RegFi Episode 44: Principles Over Prescriptions: Rethinking Fintech Regulation
33 min listen
Tom Brown, Partner & General Counsel at Nyca Partners, joins us for a critical analysis of the current financial services regulatory environment.
RegFi Episode 43: Investing in Financial Inclusion
23 min listen
Flourish Ventures’ Kabir Kumar joins us to explore the fundamental role of technology in expanding access to fair and stable financial systems.
RegFi Episode 42: Beyond the Breach: The CISO’s Role as a Strategic Risk Manager
30 min listen
Orrick partner Aravind Swaminathan joins us to explore the evolving roles of Chief Information Security Officers in today’s corporate landscape.
RegFi Episode 41: Loper Bright, the End of Chevron and the Future of CFPB Rulemaking
30 min listen
We discuss the Supreme Court’s Loper Bright decision overturning Chevron deference and its potential impact on the CFPB’s regulatory authority.
RegFi Episode 40: Financial Innovation and Supervision
24 min listen
Tracy Basinger, former head of supervision at the San Francisco Fed, shares her unique perspective on fintech, BaaS and financial innovation.
RegFi Episode 39: Technological Innovation in the Mortgage Industry
32 min listen
Bob Broeksmit, President and CEO of the Mortgage Bankers Association, discusses the transformative impact of technology on the mortgage industry.
RegFi Episode 38: The FUTURES Act and Modernizing Financial Regulation
16 min listen
We discuss the FUTURES Act, a bipartisan legislative initiative to foster technological modernization within federal financial regulatory agencies.
RegFi Episode 37: Adapting to Change: Fintech's Public Policy Environment
27 min listen
We discuss the increased scrutiny from Congress and regulators in response to the growth of fintechs, from niche startups to major industry players.
RegFi Episode 36: The Intersection of AI and Securities Regulation
30 min listen
We explore the complex impact of AI in the securities industry, including current use-cases, regulatory applications and future trends.
RegFi Episode 35: Meeting Compliance Challenges with AI-Powered Regtech Solutions
60 min listen
Our RegFi co-hosts join an industry panel to explore the increasing complexity of financial regulation and how AI-driven regtech can help.
RegFi Episode 34: Bank Partnerships and the Implications of DIDMCA Opt-Outs
31 min listen
We discuss DIDMCA’s interest rate exportation rules and the lawsuit filed by industry groups in response to Colorado’s recent opt-out legislation.
RegFi Episode 33: Gene Ludwig on Transforming Financial Regulation for Shared Economic Prosperity
32 min listen
Gene shares his insights on regulatory, technological, and policy solutions to improve economic conditions for working-class Americans.
RegFi Episode 32: Hurdles to Innovation at Financial Regulatory Agencies
21 min listen
Jerry Buckley and Sasha Leonhardt revisit their 2020 report on barriers to innovation at the primary federal financial regulators.
RegFi Episode 31: The Road Ahead for Financial Services Data Privacy Regulation
31 min listen
We take a look at the current financial services privacy landscape and how the proposed APRA might interact with existing federal and state regimes.
RegFi Episode 30: A Closer Look at the American Privacy Rights Act
36 min listen
Shannon Yavorsky — head of Orrick’s global Cyber, Privacy & Data Innovation group — discusses key provisions of the APRA and implications for the financial services industry.
RegFi Episode 29: The CFPB’s Expanding Supervisory Authority of Fintechs and Other Non-Banks
27 min listen
John Coleman — Orrick partner and former deputy general counsel for the CFPB — shares his insights on the latest developments from the Bureau.
RegFi Episode 28: Preparing Financial Systems for Post-Quantum Cyber Risk
32 min listen
We explore emerging technologies and risk management at the complex intersection of quantum computing, cybersecurity and financial regulation.
RegFi Episode 27: The Evolving Data Security Environment for Financial Services Providers
21 min listen
We explore the operational and regulatory challenges of protecting financial services data from ransomware and other malicious exfiltration.
RegFi Episode 26: Regulating Electronic Transactions to Meet the Needs of a Digital Economy
35 min listen
Orrick Partner Edward Somers joins us for a conversation about the evolving interplay of the laws facilitating electronic transactions.
RegFi Episode 25: Virtual Currencies: Exploring the Regulatory Landscape with Jerry Comizio
44 min listen
Jerry Comizio provides a high-level overview of virtual currencies and a theoretical look into what future crypto regulations might look like.
RegFi Episode 24: What will Supervisory Exams Look Like for Tech Companies under CFPB’s Proposed “Larger Participant” Rule?
30 min listen
The RegFi hosts provide an overview of what newly covered providers of payment and digital wallet apps might expect from the examination process.
RegFi Episode 23: Regulatory Tech Innovation Accelerating Around the Globe: Nick Cook Describes Trends
42 min listen
Nick Cook discusses how regulators globally are approaching technological innovation in the markets they supervise, and within their own operations.
RegFi Episode 22: Data Sharing and the 1033 Rule: An Industry Perspective with Ramon Gomez
32 min listen
Ramon Gomez joins us for a conversation about Section 1033 of the Dodd-Frank Act and its implications for consumer data sharing.
RegFi Episode 21: Navigating the AI Revolution in Consumer Lending with Kelly Cochran
38 min listen
FinRegLab Deputy Director Kelly Cochran joins us to discuss how machine learning is used by consumer lenders and the evolving regulatory response.
RegFi Episode 20: Regulatory Considerations for Fintech-Driven Commercial Financing
32 min listen
Orrick Partner Jeff Hydrick drops in to discuss the growing role of fintechs and other non-bank financial institutions in commercial financing.
RegFi Episode 19: Keeping Regulatory Pace in a Global Digital Economy with John Gulliver
34 min listen
John Gulliver discusses how the U.S. financial regulatory regime compares to its international peers on a number of technology-related topics.
RegFi Episode 18: Credit Unions, Fintech and Financial Innovation with Rodney Hood
27 min listen
Rodney Hood (Former Chair, NCUA) discusses how credit unions are adopting technology to remain competitive in the digital economy.
RegFi Episode 17: Driving Consumer Access Through Digital Transformation with Nat Hoopes
26 min listen
Nat Hoopes shares insights into how fintech solutions can help improve traditional underwriting models and allow lenders to reach more customers.
RegFi Episode 16: Compliance Trends, Challenges and Innovation with Chris Hilliard
37 min listen
Chris Hilliard shares insights on how fintechs and other financial services companies can leverage technology to meet evolving regulatory challenges.
RegFi Episode 15: Bank-like Supervision for Big Tech? A Look at the CFPB’s “Larger Participant” Rule
36 min listen
The RegFi hosts discuss the CFPB’s proposed rulemaking on digital wallets and payment apps and supervisory implications for technology companies.
RegFi Episode 14: Banking Innovation and Supervision with Greg Baer
29 min listen
We kick off 2024 by welcoming Greg Baer, President & CEO of BPI, who shares his perspective on a broad range of topics affecting the banking sector.
RegFi Episode 13: Fintech Trends from 2023 – and What’s Ahead – with Peter Renton
33 min listen
As the year draws to a close, we welcome Peter Renton for a conversation about developments in fintech that stood out in 2023 and which storylines he is excited to follow as the calendar flips over to a new year.
RegFi Episode 12: Building Bridges to Credit Access with Dara Duguay
25 min listen
Dara Duguay shares her insights about policy changes, educational programs and technological innovations that are helping those who are “credit invisible” or otherwise face barriers to accessing the mainstream financial system.
RegFi Episode 11: Developing Fairness Infrastructure for Lending with Kareem Saleh
24 min listen
Kareem Saleh discusses the imperative of fairness in algorithmic lending and the importance of explainability and other guardrails to help debias the models driving underwriting decisions.
RegFi Episode 10: Raj Date Foresees Unprecedented Change in Financial Services Sector. Regulators’ Challenge: Keeping Pace
33 min listen
Raj Date sees significant and accelerating change ahead for the financial services industry, and whether regulators can keep up — protecting financial stability without stifling innovation — is a question the next 10 years will answer.
RegFi Episode 9: Consumer Data Collection and Usage with Eric Ellman
26 min listen
Eric J. Ellman sheds light on the laws and regulations that govern consumer data collection and usage and discusses how the use of alternative data in credit reporting could promote financial inclusion.
RegFi Episode 8: The Technological Path to Outcomes-Based Regulation with Matt Van Buskirk
24 min listen
Matt Van Buskirk discusses how open-source, interoperable regtech platforms – along with the adoption of advanced computational tools, AI and other innovations – could drive a shift to outcomes-based financial services regulation.
RegFi Episode 7: Fintechs, Bank Partnerships and the Evolution of Financial Supervision with Konrad Alt
28 min listen
Konrad Alt shares his unique perspective on the evolution of financial services regulation and supervision, current challenges for fintechs seeking to establish bank partnerships or secure their own charters, and the potential for technology to bring clarity and expediency to the examination and enforcement process.
RegFi Episode 6 : Modernizing Financial Regulation with Jo Ann Barefoot
33 min listen
Jo Ann Barefoot joins RegFi hosts Jerry Buckley and Sasha Leonhardt for a conversation about the challenges in modernizing financial regulation and the potential for technology to facilitate a more fair, inclusive, and resilient financial system.
RegFi Special Episode: The CFPB's 1033 Rule in a Nutshell
23 min listen
Join us for this bonus episode where the RegFi hosts share their initial reactions to the CFPB’s proposed rule on Personal Financial Data Rights (1033).
RegFi Episode 4: Consumer Reports Evaluates Fintech to Empower Consumers
27 min listen
Delicia Hand, Director of Financial Fairness Advocacy at Consumer Reports, joins RegFi hosts Jerry Buckley and Sherry Safchuk for a conversation about new Consumer Reports initiatives to provide data and tools that empower consumers to make informed financial decisions. Delicia shares insights from the initial evaluation of peer-to-peer platforms, BNPL services, and other financial services apps and identifies opportunities to improve fairness and transparency in fintech offerings.
RegFi Episode 3: Fintechs and the Evolving Regulatory Landscape with Phil Goldfeder
25 min listen
Phil Goldfeder, CEO of the American Fintech Council, joins hosts Jerry Buckley and Sasha Leonhardt to discuss the Federal Reserve’s Novel Activities Supervision Program and the challenges faced by fintech companies in navigating financial regulation.
RegFi Episode 2: AI Underwriting and Explainability with Melissa Koide
27 min listen
In this episode, Jerry Buckley and Caroline Stapleton welcome guest Melissa Koide, CEO of FinRegLab. Melissa discusses her organization’s work in evaluating the explainability of complex machine learning algorithms in credit underwriting, model governance and adverse action notices. The conversation covers the CFPB’s recent guidance on credit denial by lenders using artificial intelligence as well as the role explainability plays in promoting fairness and inclusion in lending, methods and tools emerging for lenders to explain credit-related decisions based on AI models, and the ongoing work required to adapt to the digital economy and evolving regulatory landscape.
RegFi Episode 1: Welcome to RegFi: Financial Regulation for the Digital Economy
18 min listen
The hosts of RegFi – Orrick partners Jerry Buckley, Sasha Leonhardt, Sherry Safchuk, and Caroline Stapleton – introduce the goals of the podcast and share what they look forward to learning in upcoming conversations with thought leaders at the intersection of financial services, technology and regulation.