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November 26, 2024

Episode 185: Behind Rep. Hill’s Plan to Make Community Banks Great Again

Bank Policy
Bank Regulation
Community Banks

Rep. French Hill, a top contender to lead the House Financial Services Committee, details his plan to help banks, including revamping regulators’ approach to M&A, ending Operation Choke Point, and encouraging more de novos. He also discusses his views on Scott Bessent, President-elect Trump’s nominee for Treasury secretary, the mood among GOP lawmakers, how the government can confront fraud at banks, what he thinks Congress can do for banks over the next two years and his takeaways from the Biden-era regulators’ final Congressional appearance.

November 21, 2024

Episode 184: CBA's Johnson on CFPB Under Trump, Open Banking and Junk Fees vs. Junk Facts

Bank Regulation
CFPB

Lindsey Johnson, CEO and president of the Consumer Bankers Association, talks about how the CFPB may change under the second Trump administration. Will a Trump-appointed CFPB director roll back the recently finalized open data rule? What happens for banks and consumers if that rule is left to stand? She also tackles the future of the agency's overdraft proposal and small business lending rule.

November 13, 2024

Episode 183: The Massive Implications for Banks from the GOP's Sweeping Victory

Bank Regulation
Bank Policy

With Republicans set to control the White House, Senate, and House next year, Victoria Guida of Politico and Brendan Pedersen of Punchbowl News dive into the implications for financial services companies. That includes what it means for the Fed, including whether President-elect Trump might try to oust Chair Jerome Powell, and what kinds of leaders will take the reins of the Congressional banking committees.

November 5, 2024

Episode 182: How Generative AI Agents Could Threaten Financial Stability

Artificial Intelligence

The rise of generative AI agents have promised consumers a better, safer future. But what happens if those agents act in ways that destabilize the system, causing bank runs or better enable bad actors to commit fraud or hack financial institutions? Todd Phillips, assistant professor at Georgia State University’s Robinson College of Business, talks about his new paper looking into how AI could wreak havoc on the financial system.

October 30, 2024

Episode 181: How CFPB’s Open Data Rule Will Impact Banks

Open Banking
Bank Regulation

All Episodes How CFPB’s Open Data Rule Will Impact Banks How CFPB’s Open Data Rule Will Impact Banks Oct 30, 2024 Kate Berry, a reporter for American Banker, and Christopher Williston, the CEO of the Independent Bankers Association of Texas, go in-depth to discuss the CFPB’s final Section 1033 rule, which implements open banking. They tackle which institutions are most at risk from the final rule, why trade groups are suing to block it, and how the CFPB is responding to bank fears it will spur more fraud.

October 23, 2024

Episode 180: How Russia Targets Banks, Wall Street

Cybersecurity
Fraud

Eamon Javers, a senior Washington correspondent for CNBC, talks about his new podcast, “The Crimes of Putin’s Trader,” and how Russia is using hackers to infiltrate banks and Wall Street. He goes behind the scenes on the case of Vladislav Klyushin, who was convicted by the U.S. of insider trading, how he was traded back this summer to Russia, and what it means for financial firms here.

October 16, 2024

Episode 179: What the 2024 Election Means for Bankers

Bank Policy
Bank Regulation
Federal Reserve

Cam Fine, former CEO and president of ICBA, and Ed Yingling, former CEO and president of ABA, discuss and debate the possible outcomes of the election—Presidential, House and Senate—and what they could mean for banking policy.

October 9, 2024

Episode 178: Do Regulators Want to Kill Banking-as-a-Service?

Bank Regulation
Fintech
Bank Policy

Jason Mikula, publisher of Fintech Business Weekly, talks about the ongoing fallout from the failure of fintech Synapse, and banking regulators’ efforts to ensure it can’t happen again. Are regulators going too far? Is this the end of banking-as-a-service?

October 1, 2024

Episode 177: Bill Huizenga on AI, Dangers of Activist Investors & CFPB Overreach

Bank Regulation
Bank Policy
Artificial Intelligence

Rep. Bill Huizenga, R-Mich., the chair of the House Financial Services oversight subcommittee, talks about his agenda if selected as GOP leader of the full panel next year, including looking deeper at artificial intelligence, regulating crypto, and fixing housing. He also talks about his focus on reining in activist investors, what he wants to see the next CFPB director tackle and the limitations of Congressional oversight.

September 24, 2024

Episode 176: The Potential “Perverse” Consequences for Banks of New M&A Policies

Bank Regulation
M&A
Mergers & Acquistions

Karen Shaw Petrou, managing partner of Federal Financial Analytics, details how new guidelines by federal regulators to curb M&A could inadvertently increase the market power of the biggest banks and Big Tech.

September 18, 2024

Episode 175: How FHLBs See the Battle Over Reform

FHLB
Bank Regulation

Ryan Donovan, the head of the Council of Federal Home Loan Banks, pushes back against criticisms that the government-sponsored enterprises have strayed from their mission. He outlines what the FHLBs want as part of a reform effort by their regulator.

September 10, 2024

Episode 174: Andy Barr on Fair Access Law for Banks, Basel III’s Finale, Reg Relief and M&A Reform

Bank Policy
Bank Regulation
Basel
M&A

Rep. Andy Barr, the chair of the House financial institutions subcommittee, discusses why he should lead Republicans on the Financial Services Committee next year. He offers a preview of his agenda, including pushing legislation that would prevent banks from denying legal businesses access to financial services and why large institutions are suddenly supporting it. He also details what changes regulators should make in new Basel III capital rules, how regulatory reform for banks could happen, and why M&A approval rules should be revamped.

September 4, 2024

Episode 173: Inside the “Summer of Small Cuts” for Banks

Bank Policy

Jaret Seiberg, managing director of TD Cowen’s Washington Research Group, discusses the many policy changes facing banks this summer, including the FDIC’s brokered deposit proposal, the Fed’s new FAQ on the discount window, a Texas court decision on the small business rule, and the new uncertainties the election poses for the industry.

July 31, 2024

Episode 172: Inside the CFPB’s Sprint to the Finish Line

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Alex Johnson, founder of Fintech Takes, discusses the CFPB’s race to complete as many regulatory initiatives – on earned wage access products, open data, privacy and more – ahead of the November election. And he talks about why banking as a service has turned into a “high-wire act without a safety net” in the wake of the Synapse bankruptcy.

July 24, 2024

Episode 171: French Hill on Crypto Reg, Housing Reform, SVB Lessons & Bank Consolidation

Bank Policy
Bank Regulation
Crypto
Housing
Banking Crisis

Rep. French Hill, one of the leading candidates to chair the House Financial Services Committee next year, makes his case for the job, discussing how his former role as a bank CEO would help guide his agenda. He talks about why he’s worked so hard on crypto and stablecoin regulation bills, his vision for housing reform, the lessons of SVB, the end of Chevron deference, and his concerns on bank consolidation.

July 17, 2024

Episode 170: The Titanic Shift in Banking Policy Ahead

Bank Policy
Basel
FDIC

Claire Williams, Capitol Hill reporter for American Banker, and Brendan Pedersen, who covers financial services for Punchbowl News, discuss the latest on financial policy. Will Christy Romero Goldsmith be confirmed to lead the FDIC? Is Basel III Endgame dead? How could Sen. J.D. Vance as vice president impact bank policy going forward?

July 9, 2024

Episode 169: A Looming Crisis in CRE? What Bankers Need to Know

Banking Crisis
Commercial Real Estate

Phil Mobley, national director of office analytics for CoStar, the leading firm when it comes to commercial real estate, talks about how the market has changed in the wake of the pandemic. He discusses the trends right now, where the market is headed, and what risk office CRE poses to banks.

June 25, 2024

Episode 168: Inside a Reg Split on Basel and the Battle for FDIC Control

Capital Requirements
Bank Policy
FDIC

Pete Schroeder, who covers financial regulation and policy for Reuters, breaks down why federal banking agencies are split on how to finalize new capital rules and explains how policymakers are reacting to a nominee for FDIC chair.

June 11, 2024

Episode 167: Catch Check Fraud If You Can: The Growing Issue for Banks, Consumers

Fraud

Frank Abagnale Jr., an expert on check forgery and the subject and inspiration for Steven Spielberg’s film “Catch Me If You Can,” talks about why check fraud is so much worse in recent years despite the overall decline of use of checks. He talks about why banks are struggling to detect forgeries, how policymakers should address the issue, and why the problem is poised to become even more dire.

June 4, 2024

Episode 166: The Coming Battle Over Zelle Fraud

Bank Policy
Payments

Penny Crosman, executive editor of technology at American Banker, goes behind the scenes on a case of Zelle fraud that cost a consumer thousands of dollars—and what it means for a coming policy fight between the big banks and Washington over the real-time payment system.

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