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May 22, 2024

Episode 165: The Massive Impacts of a Whirlwind Week for Banking Policy

Bank Policy
Basel
CFPB

Andrew Ackerman, a financial services reporter for the Wall Street Journal, discusses what happens next after FDIC Chair Martin Gruenberg’s surprise announcement that he will resign upon confirmation of a successor. Ackerman also details how regulators plan to dial back the Basel III Endgame proposal, and talks about the CFPB’s future after the Supreme Court upheld its funding structure.

May 14, 2024

Episode 164: "A Political Thunderdome" The High Stakes for FDIC at Two Hill Hearings

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Brendan Pedersen, the financial services reporter for Punchbowl News, discusses the critical importance of upcoming hearings to the future of the FDIC and disturbing revelations from a recent report looking into the agency’s culture. He also discusses an upcoming House vote on a crypto bill and the latest on financial privacy and stablecoin legislation.

May 8, 2024

Episode 163: Rep. Lucas on HFSC Chair Bid, Bank Consolidation, Fed Independence

Bank Policy
Federal Reserve
Mergers & Acquistions

Rep. Frank Lucas, the longest serving Republican on the House Financial Services Committee, makes his case for why he should be the next chair, offering his views on community bank consolidation, whether the Fed should be independent, the dangers of quantum computing and how history informs his view of government agencies and programs.

May 1, 2024

Episode 162: Could a Stablecoin Bill “Shatter” the Wall Between Banking and Commerce?

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Hilary Allen, a law professor at American University Washington College of Law, warns that a stablecoin regulation bill could open the door to mixing banking and commerce, allowing WalMart, Amazon or Google to effectively set up their own bank without facing bank-like regulations. She also details issues with the legislation introduced to date, including failures to address critically important issues.

April 24, 2024

Episode 161: The Populist Threat to Banks

Bank Policy

John Heltman and Claire Williams, two journalists with American Banker, discuss the outlet’s recent series on populism and how it impacts banks. They tackle why the banking industry is so often the target of populist politicians from both the left and the right, how populism is changing the debate on various bank policy debates now, and what comes next.

April 17, 2024

Episode 160: Klein vs. Calabria Round 2: How to Solve the Housing Crisis

Housing
Bank Policy
Federal Reserve
Bank Regulation

Aaron Klein, senior fellow at the Brookings Institution, and Mark Calabria, former director of the Federal Housing Finance Agency, debate the best way to address the housing crisis, as well as the dangers of politicizing banking regulation, whether the Fed is too worried about consensus, if the central bank is secretly working on a central bank digital currency and who should play The Sphere next.

April 10, 2024

Episode 159: Calabria vs. Klein Round 1: Bank Rescues, Fed Playing Politics, Liquidity Fixes

Bank Policy
Federal Reserve

Mark Calabria, former director of the Federal Housing Finance Agency, and Aaron Klein, senior fellow at the Brookings Institution, discuss how politics factors into the Fed’s monetary policy decisions, decry the rescue of uninsured depositors last year, debate how to fix liquidity rules and weigh in on revamping the FHLBs.

April 3, 2024

Episode 158: Steele on What’s Needed After SVB, Biggest Threat to Banks, M&A Policy

Bank Policy
M&A

Graham Steele, the former Treasury assistant secretary for financial institutions, offers a behind-the-scenes perspective on regulators’ decision to rescue uninsured depositors at Silicon Valley Bank and two other regional banks. He also discusses what policy changes are still needed as a result, the greatest challenge facing the banking industry, and why he’s worried about a “catastrophic” cybersecurity event.

March 21, 2024

Episode 157: How SVB’s Collapse Changed Bank Policy for Good

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One year after the fall of Silicon Valley Bank, the reverberations into banking policy continue. Brian Gardner, Chief Washington Policy Strategist, discusses how the failure impacted bank supervision and the debate over new capital and liquidity rules—and how it will remain a part of the calculus moving forward.

March 6, 2024

Episode 156: The Most Contentious Fight in Washington Right Now

Bank Policy

Richard Hunt, executive chair of the Electronic Payments Coalition, talks about the battle over Capital One buying Discover, how it connects to the Durbin amendment’s restrictions on debit interchange fees, and why the fight over another Durbin legislative proposal on credit cards is so heated.

February 28, 2024

Episode 155: How Banks Can Win the Battle for Deposits

Deposit Competition

Neil Stanley, CEO of the CorePoint, offers strategies and products banks can use to attract and retain deposits in a highly competitive deposit environment.

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.

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