Podcasts

News & Insights

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
February 21, 2024

Episode 154: Esther George on Interest Rate Cuts, CRE, Bank Failures, and Everything in Between

Federal Reserve
Commercial Real Estate
Interest Rates
inflation

The former Kansas City Fed president talks about the persistence of inflation, when the central bank is likely to lower interest rates, how worried she is about office CRE, the lessons from the failures of three regional banks last year, whether she supports a central bank digital currency, and the future of community banks.

February 13, 2024

Episode 153: Are We Headed for Another Regional Bank Crisis?

Regional Banks

After a prominent regional bank slashed its dividend amid unexpected losses related to office commercial real estate loans, some in the media are raising fears that another round of failures could be in the offing. Jaret Seiberg, managing director of Cowen’s Washington Research Group, details what happened, how regulators are responding, and whether it’s a sign of more trouble or a one-off event.

February 6, 2024

Episode 152: Why the War Over "Junk" Fees Has Heated Up

Bank Regulation
CFPB

Kate Berry, who covers the CFPB for American Banker, goes behind the scenes on the consumer agency’s latest proposals to limit overdraft fees and institute new limits around nonsufficient funds transactions.

January 30, 2024

Episode 151: Bank M&A was “miserable” in 2023. Will this year be even worse?

M&A
Mergers & Acquistions

Naomi Snyder, editor-in-chief of Bank Director, discusses why the bank M&A market was so bad in 2023, and what changes need to happen for it to improve.

January 23, 2024

Episode 150: The “Existential” CFPB Plan Banks Should Care About

CFPB
Open Banking
Fintech

John Pitts, head of policy for Plaid, argues a new CFPB open-data proposal could transform the financial services industry. He says bankers, many of whom are skeptical of the plan, could see significant opportunities, including a greater ability to attract new customers.

January 17, 2024

Episode 149: Would Banks Win a Lawsuit Against the Basel III Capital Plan?

Basel
Capital Requirements
Bank Regulation

Greg Baer, CEO of the Bank Policy Institute, makes the case that regulators did not follow the law when they proposed new capital standards for the biggest banks by failing to provide adequate analysis and data. He details what he believes is missing and why he’s confident a final rule will be substantially different.

December 12, 2023

Episode 148: The Road Ahead for Community Banks in 2024

Community Banks
Bank Regulation
Deposit Competition

Derek Williams, chairman of ICBA and President and CEO of Century Bank & Trust in Milledgeville, Georgia, talks about the challenges and opportunities for community banks as they head into a new year, including how he sees economic issues and policy debates playing out.

December 11, 2023

Episode 147: Attack of the (Voice) Clones: The Perils of AI for Banks

Cybersecurity
Fraud

As AI becomes more prevalent, what are the risks to banks and consumers, particularly as software can now allow fraudsters to imitate a person's voice? Emily Flitter, reporter for the New York Times, talks about the growing threat from AI on financial security, how it is already changing lending and what policymakers can do to address it.

November 28, 2023

Episode 146: How FHLB Reform Can Help Banks, Housing

FHLB
Housing
Community Banks

Cornelius Hurley, professor at Boston University School of Law, breaks down the recent FHFA report calling for sweeping changes to the Home Loan Bank system. He discusses why it’s important to refocus the banks on mission and how the debates over the report’s finding will play out in future rulemakings and legislation.

November 14, 2023

Episode 145: Quarles on Capital Plan, SVB Criticism, Interest Rates & Fed Power Dynamics

Basel
Capital Requirements
Federal Reserve

Randal Quarles, the former Fed vice chair, details how the new Basel III capital proposal could hurt the economy, casts doubt on the legality of the Fed’s stress tests, and pushes back on criticism that his actions helped cause the failure of three regional banks earlier this spring. He also talks about his biggest concerns in the financial system right now, where interest rates are likely to go from here and his fears about the current power dynamics at the Fed.

November 7, 2023

Episode 144: Inside the Conviction of SBF – And What It Means for Crypto, Banks

Crypto
Stablecoins
Bitcoin

Zeke Faux, an investigative reporter for Bloomberg and the author of “Number Go Up: Inside Crypto’s Wild Rise and Staggering Fall,” goes behind the scenes on Sam Bankman Fried’s conviction last week, including his interviews with the former FTX leader and what it means for the industry at large.

October 31, 2023

Episode 143: The Case Against a U.S. Retail CBDC

CBDC
Federal Reserve
Digital Currency

Christina Skinner, assistant professor at The Wharton School of the University of Pennsylvania, talks about why a potential U.S. central bank digital currency “opens a Pandora’s Box” of questions about the role of the Fed and could pose a grave threat to banks.

October 25, 2023

Episode 142: Everything Banks Need to Know about the Final CRA Rule

Bank Regulation
CRA
Community Reinvestment Act

Ebrima Sanneh, who covers the federal banking agencies for the American Banker, breaks down the final rule setting out new standards under the Community Reinvestment Act. He tackles how the rule changed from the proposal, the new standards for community banks, and how the industry is likely to react.

October 17, 2023

Episode 141: The CFPB Is Here to Stay, So What's Next?

Bank Regulation
SCOTUS
CFPB

Now that the Consumer Financial Protection Bureau appears likely to survive a Supreme Court challenge, will the agency be emboldened to push its powers further? Or will it be reined in by other forces? Evan Weinberger, who covers the CFPB for Bloomberg Law, analyzes the latest intel.

October 3, 2023

Episode 140: Community Bankers Are Tired of Being Jerked Around

Bank Regulation
Community Banks

Steve Scurlock, the head of government relations at the Independent Bankers Association of Texas, talks about the “whipsaw” effect on community banks of regulatory changes that rapidly shift with the change of administrations and regulators—and his biggest fears for the future.

September 26, 2023

Episode 139: End of an Era: Deposit Gathering Near Rate Cycle Peak

Federal Reserve
Deposit Competition
Lending

Matt Pieniazek, president of Darling Consulting, and Dave Koch, managing director of advisory services with Abrigo, discuss strategies for banks to navigate the challenging deposit market as the Fed nears the end of its rate hike cycle. Will the Fed raise rates again, how long will rates stay high and how best can banks prepare?

September 19, 2023

Episode 138: Are Bank Regulators Overstepping Their Legal Authority?

Bank Regulation
Basel
Capital Requirements

Jonathan Gould, partner with Jones Day and a former general counsel of the Office of the Comptroller of the Currency, makes a case that the federal banking agencies are increasingly pushing the envelope even as courts become more skeptical of their powers. He also discusses the dangers of focusing too much on the safety of individual institutions at the expense of the overall risk to the system.

September 12, 2023

Episode 137: The Case Against Higher Bank Capital Requirements

Bank Regulation
Basel
Capital Requirements

Kevin Fromer, president and CEO of the Financial Services Forum, details why the big banks are pushing back vigorously against a new proposal to raise capital at the largest institutions by 20%, arguing it is unnecessary and could cost the U.S. economy at a critical time.

July 26, 2023

Episode 136: Have We Learned the Wrong Lessons From SVB's Failure?

Bank Regulation
Basel
Stablecoins

Steven Kelly, associate director of research at the Yale Program on Financial Stability, pushes back on multiple narratives about why SVB failed and what policymakers should do to prevent another collapse like it. He also weighs in on federal regulators’ new capital proposal and the battle over stablecoin regulation.

July 19, 2023

Episode 135: Beyond the Hype: How FedNow Will Change Payments

Payments
FedNow
Federal Reserve

Aaron Klein, senior fellow in economic studies at the Brookings Institution, talks about why he is skeptical of the impact of FedNow, the central bank’s instant payment system due to launch this week.

June 28, 2023

Episode 134: The Looming Battle Over Bank Capital Requirements

Bank Regulation
Basel
Capital Requirements

John Heltman, Washington Bureau Chief of American Banker, talks about federal regulators’ pending proposal to raise capital on banks with more than $100 billion of assets. He tackles how that fits into the overall Basel capital plan, how banks and Republicans are planning to fight back, and what kind of impact it could have on bank lending.

June 13, 2023

Episode 133: Santander US CEO Wennes on Regional Banks, Capital Regs and Reaching Gen Z

Commercial Real Estate
Capital Requirements
Regional Banks

Tim Wennes, the CEO of Santander US, talks about the future of regional banks, including the potential for higher capital requirements and a possible credit crunch. He also weighs in on fears around commercial real estate, why the bank is expanding its auto lending business, and how it is targeting the next generation of bank customers.

May 23, 2023

Episode 131: What Bankers Need to Know After Marathon Hearings

Bank Regulation
Banking Crisis
Bank Policy

Last week saw a remarkable number of Capitol Hill hearings on the bank policy front, with multiple sessions featuring top bank regulators and the former chief executives of three failed banks. Claire Williams and Kyle Campbell, reporters with American Banker, offer their takeaways and remaining questions from these hearings, including what comes next from lawmakers and regulators.

May 23, 2023

Episode 132: CBA’s Johnson on M&A, Credit Card Late Fees, and CFPB’s Future

Bank Regulation
CFPB
Banking Crisis

Lindsey Johnson, who started last summer as the head of the Consumer Bankers Association, discusses how policymakers are reacting to the recent banking turmoil, why the CFPB’s credit card late fee proposal will harm consumers, and whether regulators will allow more M&A.

May 17, 2023

Episode 130: Was the 2018 Reg Relief Law Responsible for Recent Bank Failures?

Bank Regulation
Banking Crisis
CFPB

Greg Baer, the president and CEO of the Bank Policy Institute, takes issue with claims that S. 2155 played a role in the collapse of three regional banks. He also tackles what areas policymakers should look at, whether Congress is likely to enact any legislative changes directed at banks, and why the CFPB is off base when it comes to its proposal targeting credit card late fees.

May 9, 2023

Episode 129: The Banking Crisis That Wasn’t

Banking Crisis
Deposit Competition
Community Banks

John Blizzard, CEO of Seattle Bank, talks about his experiences after the recent regional bank failures and the lack of concern by customers. He also discusses the nationwide launch of CD Valet, which allows consumers unbiased access to the best CD interest rates.

May 2, 2023

Episode 128: Four Reports and a Failure

Bank Regulation
FDIC
Banking Crisis

John Heltman, Washington Bureau Chief of American Banker, tackles the many policy questions resulting from the failure of First Republic Bank. He also discusses three regulatory reports examining two failures in March—and another report detailing how the FDIC wants to revamp deposit insurance.

April 25, 2023

Episode 127: How a Former FHFA Director Would Reform the FHLBs

FHLB
Housing
Community Banks

Mark Calabria, the former director of the Federal Housing Finance Agency, offers his take on recent criticisms that the Federal Home Loan Banks have gone too far outside their mission—and what he would do to address them.

March 30, 2023

Episode 126: What We Learned After Two Hearings on SVB, Signature Failures

Bank Regulation
Banking Crisis
Bank Policy

Claire Williams, the Capitol Hill reporter for American Banker and Brendan Pedersen, the banking reporter for PunchBowl News, offer their takeaways from back-to-back hearings on the failures of Silicon Valley Bank and Signature Bank. They discuss what lawmakers were focused on and how regulators responded as well as preview potential regulatory and legislative changes ahead.

March 16, 2023

Episode 125: The Industry Demanded a Bailout. This Regulator Said No.

Banking Crisis
Mortgages
Lending

Mark Calabria, former director of the Federal Housing Finance Agency and author of the new book Shelter from the Storm, talks about why he resisted calls to bailout mortgage servicers during the pandemic, and how he knew their predictions of another mortgage crisis were overblown.

March 16, 2023

Episode 124: The Industry Demanded a Bailout. This Regulator Said No.

Bank Regulation

Mark Calabria, former director of the Federal Housing Finance Agency and author of the new book Shelter from the Storm, talks about why he resisted calls to bailout mortgage servicers during the pandemic, and how he knew their predictions of another mortgage crisis were overblown.

March 14, 2023

Episode 123: The Steep Price Banks May Pay After Latest Financial Rescue

Bank Regulation
FDIC
Banking Crisis

Emily Flitter, finance reporter for the New York Times, tackles the big questions stemming from the extraordinary actions taken by regulators on Sunday. Is this a bailout? Is there another banking crisis in the offing? What are the potential costs to banks? Will they face Dodd-Frank 2.0?

IntraFi Insights

Stay up to date on all things IntraFi

Get in Touch