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February 11, 2025

Episode 194: Bank Supervision Needs “Complete Change in Focus”

Bank Regulation
Bank Policy

Greg Baer, the CEO of the Bank Policy Institute, argues that bank supervision has gone off course, focusing on the wrong areas and making the system less safe. He outlines how he and big banks would recommend fixing it. He also discusses stress test and AML reform, new liquidity rules, Basel III, CFPB and more.

February 4, 2025

Episode 193: Fmr. Sen. Toomey: Why Debanking Crypto Occurred—And How to Solve It

Crypto
Bank Policy
Bank Regulation
Digital Currency

Former Sen. Pat Toomey, R-Pa., one of the first lawmakers to sound alarms about the debanking of crypto firms, talks about President Trump’s accusation that large banks are systemically debanking conservatives, and what he thinks is really going on. That includes how policymakers could fix the issue permanently and why some proposed solutions might backfire.

January 29, 2025

Episode 192: Rep. Waters on Dem’s Strategy, Stablecoins, Housing & More

Community Banks
Bank Policy
Housing
Stablecoins

Rep. Maxine Waters, lead Democrat on House Financial Services, discusses how the committee and Congress have changed in her long tenure, her relationship with Chair French Hill, and the importance of community banks. She also unveils the Democratic agenda for this Congress, including housing reform, stablecoin regulation and more.

January 22, 2025

Episode 191: What Community Bankers Want from D.C.

Bank Policy
Bank Regulation
CFPB
Community Banks

Brad Bolton, the CEO of Community Spirit Bank in Red Bay, Ala., discusses the state of community banking right now, including what challenges he and other small institutions face and how they hope policymakers can help. He dives into concerns about new small business lending data requirements and other pending regulations, calls for bank consolidation, and what worries him most.

January 14, 2025

Episode 190: The End of Independent Bank Regulation?

Bank Regulation
Bank Policy
Federal Reserve

Michael Barr’s surprising decision to step down as Fed vice chair of banking supervision next month allows the incoming Trump administration to make its own pick for the job and raises questions about the political independence of the banking regulators going forward. Andrew Ackerman, senior financial reporter with The Washington Post, walks through the implications for banks and discusses Barr’s likely successor.

January 2, 2025

Episode 189: OCC’s Hsu on Unfinished Business, Reg Restructuring & Dangers Ahead

Bank Regulation
Basel

Acting Comptroller of the Currency Michael Hsu talks about his three-plus years at the forefront of bank regulation, including what regulators learned from the fall of SVB, why we still need new Basel capital rules, and whether regulatory restructuring would be worth the effort.

December 17, 2024

Episode 188: What’s the Future of the CFPB and FDIC Under Trump?

Bank Policy
Bank Regulation
CFPB
FDIC

Evan Weinberger, the banking reporter at Bloomberg Law, talks about the Trump administration’s trial balloon to eliminate the FDIC or combine regulatory agencies. He also goes in-depth on the various fights the CFPB is engaged in, how the Trump administration could choose to tackle them, and what that would mean for banks.

December 12, 2024

Episode 187: Crypto’s Win, Stablecoins’ Future & Debanking Debate

Bank Regulation
Crypto
CFPB
Stablecoins

Alex Johnson, the founder and publisher of Fintech Takes, tackles several hot-button topics, including how the crypto industry’s election victories will influence the next Trump administration, and why hype around stablecoins as a replacement for banks may be misplaced. He also discusses whether banks are really engaging in debanking as a prominent venture capitalist recently claimed.

December 5, 2024

Episode 186: What Trump’s Treasury Pick Means for Banks, Fed and Wall Street

Bank Policy
Bank Regulation

Sam Sutton, the primary author of Politico’s Morning Money newsletter, goes behind the scenes on why President-elect Trump chose Scott Bessent to lead the Treasury Department. Sutton discusses Bessent’s experience and agenda, how his views on tariffs and inflation will play out in the next administration, and how they portend a potential brewing conflict with the Federal Reserve.

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.

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