The Duane Morris Money and Banking Law Podcast with Joe Silvia

In this episode, Joe Silvia provides an overview of a bank's two primary financial statements, the balance sheet and income statement, and explains what they reveal about a bank’s solvency, profitability and financial stability.

Joe chats with Rachel Lohman, a small business owner in Wisconsin.

Joe Silvia sits down with Scott Shay, co-founder of Next and former founder of Signature Bank, as he explains why he thinks the next generation of banking will replace unnecessary complexity with real-time, always-on dollar movement.

Joe Silvia shares his thoughts on the recent Illinois Banker Magazine article, "Bankers’ Top 5 Strategic Priorities for 2026," by banking technology solutions provider CSI .

Joe Silvia explains the The Expedited Funds Availability Act, implemented by the Federal Reserve as Regulation CC, which applies to all insured banks and credit unions and requires them to make funds deposited into transaction accounts available for withdrawal on defined availability schedules.

Joe Silvia discusses the proposed rule to implement the GENIUS Act's "directives to treat permitted payment stablecoin issuers (PPSIs) as financial institutions under the Bank Secrecy Act and to require issuers to maintain an effective customer identification program (CIP).

Joe Silvia explains the significance of OCC Interpretive Letter 1192 , which confirms that the National Bank Act preempts state law and the bank in question "may engage in its federally authorized activities nationwide and is not required to hold a state money transmitter license or satisfy a state law exemption."

Joe Silvia examines the plans announced by the largest U.S. banks and financial institutions to launch a tokenized deposit network next year in response to crypto companies and stable coins taking an increasing share of core deposits and removing liquidity from the traditional, regulated banking system.

Joe Silvia reviews and analyzes the recent testimony of Vice Chair for Supervision Michelle W. Bowman before the Committee on Financial Services, U.S. House of Representatives on the June 2026 release of the Federal Reserve Supervision and Regulation Report. Vice Chair Bowman's remarks covered "current banking conditions, regulatory and supervisory reforms implemented since the Committee's last pr...

Joe Silvia sits down with Kevin Strenski of Nardello & Co. to discuss cryptocurrency investigations, blockchain transparency, and the evolving role of compliance in digital assets. Kevin shares his background in illicit finance investigations for the Department of Defense and explains how modern crypto investigations combine blockchain tracing with traditional investigative techniques to ident...

Joe Silvia briefly recaps Consensus Miami 2026, the year's premier crypto event and influential gathering across digital finance, blockchain and AI. At Consensus, Duane Morris LLP and Merkle Science hosted the Merkle Meet , a full day of panels, workshops and networking. Our program brought together leaders in the digital assets and blockchain community, highlighting legal and compliance with pane...

In this episode, Joe Silvia explains the overall U.S. regulatory structure for financial institutions, the general themes and goals of banking regulations and the dual banking system in the United States.

Joe Silvia provides an overview of the regulatory landscape for implementing the GENIUS Act, including the proposed rules from the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of the Currency (OCC) , Financial Crimes Enforcement Network (FinCen) and the Office of Foreign Assets Control (OFAC).

Recently, Duane Morris and Merkle Science held an event at our New York office to discuss policy, market structure issues and expectations for digital assets in 2026. Joe Silvia spoke on a panel about what needs to be in place for crypto currency to gain wider, mainstream adoption, and Mauro Wolfe, lead partner for Duane Morris’ Digital Assets and Blockchain Group , served as MC for the event.

Joe Silvia shares highlights and takeaways from the recent Banking Regulations Under Trump event at the Union League of New York, featuring remarks from current Comptroller of the Currency Jonathan V. Gould and former Comptroller of the Currency Joseph Otting.

On this episode, Joe Silvia talks with Terry Mendez, CEO of Safe Harbor Financial and Michael Schwamm , Duane Morris partner in the Corporate and Cannabis practices, about the specific requirements and challenges of providing financial services for the cannabis industry.

In this episode, Joe Silvia speaks with Jon Petrakis, a partner and one of the leaders of Duane Morris' Banking and Finance Practice, about his practice and his advice for creating and building commercial banking relationships.

Jennifer Walker, Director, Sales & Client Relations at ALM First , describes her role and approach as "I'm here to make asset and liability management fun." Beyond helping financial institutions with asset and liability management and ALCO meetings, Jennifer talks about how ALM First strives to partner with banks and "make their lives easier" through deep dives into their balance sheets to fin...

Joe Silvia talks with Matt Shields, Managing Director, Head of FIG Capital Markets at Performance Trust Capital Partners to understand how financial institutions raise capital. Matt also shares his thoughts and expectations for the capital markets in 2026.

Joe Silvia reviews and analyzes Federal Reserve Vice Chair for Supervision Michelle Bowman's opening remarks at the Federal Reserve Bank of Atlanta 2026 Banking Outlook Conference: The Next Horizon in Banking on February 19, 2026.

Joe Silvia talks with Duaa Najam about her journey and aspirations as an international attorney from Pakistan pursuing her LL.M. in Banking and Finance Law at Boston University and her master's degree in Technology Law at the University of Edinburgh. In addition to her legal studies, Duaa is interning at The Digital Chamber, the world's leading blockchain trade association. With her education and...

Joe Silvia takes a closer look at Regulation O, also known as Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks.

As regular attendee of the annual Bank Director Acquire or Be Acquired Conference, Joe Silvia shares his thoughts on highlights and takeaways from this year's conference in Arizona, which had a greater focus on stable coins, fintech and digital assets than in previous years.

Joe Silvia, chair of the ABA Banking Law Committee, shares a recap of the ABA Banking Law Committee Annual Meeting in Washington, D.C. on January 15-17, 2026.

Simon Waldbrol , partner with German firm Shalast Law, joins the podcast to share the financial services industry is regulated in Europe.