IPA Payments Pod

With a new administration in place, the payments industry is bracing for regulatory changes—and now, some early outlines of those changes are coming into focus.   In this episode, IPA's Ben Jackson speaks with Brian Tate, CEO of the Innovative Payments Association, about what's happening in Washington and beyond. They discuss:   The CFPB's announcement that it may rewrite the open banking rule   P...

  In this episode, Ben Jackon and Brian Tate, the IPA's CEO,  give a preview of the Innovative Payments Conference happening in Washington DC from April 29 through May 1.    They discuss the speakers – including Acting Comptroller of the Currency Rodney Hood and Avy Mallick, the General Counsel of the California Department of Financial Protection & Innovation – and the themes for this year's show...

    In this episode Kate Lybarger, the director and head of Payments Innovation at Discover Global Network, discusses why the financial services industry has not hacked financial wellness yet.   We cover what financial wellness means, the role of AI, and why it might make sense to separate advice from products.   This podcast was recorded on March 24th, 2025. Things may have changed by the time yo...

  In this episode, Ben Jackon and Brian Tate, the IPA's CEO, discuss the p atterns beginning to emerge in the new administration's approach to financial regulation.    They talk about how Congress is offering its suggestions on regulations to the agencies, the possibilities for future legislation, and why now might be the perfect time to open up some old rules for revision.    This podcast was rec...

With Washington buzzing amid political intrigue and economic turbulence, it's easy for critical developments in the payments industry to slip under the radar. Join host Ben Jackson and IPA's CEO, Brian Tate, as they explore the most pressing issues affecting payments today.   This episode covers the withdrawal of the brokered deposits rule, the latest nominees to head the regulatory agencies, and...

  Even the Ancient Greeks had to navigate business regulations, and the roots of such ideas are discussed in one of philosophy's greatest works—Plato's  Republic . Join host Ben Jackson a nd IPA CEO Brian Tate, as they delve into this classic text and its relevance today. In this episode, the team explores:   How The Republic can provide foundational ground rules for business conversations.   The...

  When you think of ways to relieve stress, gift cards probably don't top your list. But new research from Blackhawk Network suggests they might be the unsung heroes of holiday stress management. In this episode, Ben Jackson chats with Sarah Kositzke, Senior Global Insights Manager at Blackhawk, about the company's 2024 holiday spending study.   Join us as we discuss:   The continued growth in gif...

  The new administration is moving fast, and payments regulations are caught up in the changes . Recent leadership nominations, staff reductions, and agency reviews are raising big questions about the future of regulation — especially at the CFPB. Will the Bureau continue its enforcement agenda, scale back, or be restructured entirely?   In this episode, IPA CEO Brian Tate joins Ben Jackson to dis...

The Trump administration's efforts to reshape Washington may have major implications for the payments industry. One of the biggest developments? Elon Musk's team has reportedly gained access to key Treasury payment systems, which could change how federal payments are processed.   In this episode of the IPA Payments Pod, IPA CEO Brian Tate joins Ben Jackson to break down:   What Musk's access to fe...

  The second Trump administration has kicked off with significant regulatory actions that could  impact the payments industry. In this episode, IPA CEO Brian Tate joins Ben Jackson to break down the latest developments and explore what they might mean for financial services.   Key topics include:   The executive order on regulatory freeze: What it does and doesn't do.   The future of crypto regula...

  The Consumer Financial Protection Bureau is starting 2025 with a significant move—a proposed interpretive rule expanding the scope of products regulated under Regulation E. Despite the expectation that CFPB Director Rohit Chopra will be replaced by the next administration, the Bureau continues its active rulemaking and enforcement efforts.   In this episode of the IPA Payments Pod, I'm joined by...

  Host : Ben Jackson   Guest : Brian Tate , CEO , IPA   Recorded : December 19, 2024   Episode Summary :   How much influence do CEOs really have in the White House? In this episode, we dive into this question through the lens of Tevi Tory's book, The Power and the Money . Tory explores the relationships between presidents and the heads of business throughout history, shedding light on how busines...

The results of the election are set to reshape payments regulation, but the work of the current administration will leave a lasting impact on the industry. In this episode, Ben Jackson, IPA's COO, sits down with Brian Tate, the IPA's CEO, to discuss what this period of change means for payments.   From shifts in the congressional banking committees to ongoing legal battles and the finalization of...

Host : Ben Jackson   Guest : Ross McFerrin, Vice President of Enterprise Growth, Trustly   Recorded : October 24, 2024   Episode Summary :   In this episode, Ben Jackson sits down with Ross McFerrin from Trustly to explore the future of digital payments and the rise of "pay-by-bank" options. As cards face potential competition, pay-by-bank may soon enable consumers to make purchases directly from...

    In this episode, Ben Jackson sits down with  Kate Lybarger, the director and head of payments innovation at Discover Global Network, to discuss how to think about innovation in the context of technological change. Listen in as they discuss how companies can develop meaningful new products as tech tools like artificial intelligence and open banking reshape financial services.   They cover what...

Host : Ben Jackson   Guest : Brian Tate, CEO, Innovative Payments Association   Recorded : November 14 , 2024   Episode Summary :   In this episode, Ben Jackson sits down with Brian Tate, CEO, Innovative Payments Association , to discuss several lawsuits against the Consumer Financial Protection Bureau's rules.    They cover lawsuits against the Consumer Financial Protection Bureau by PayPal over...

In this episode, Brian Tate, the IPA's CEO, and Ben Jackson, the COO, discuss  Burn Book , by Kara Swisher. They cover what the book tells us about the history of the Internet and how technology has shaped our lives. They also discuss whether there are any lessons for the industry and society as we enter a new technological age with the growth of artificial intelligence. This podcast was recorded...

In this episode. episode, Brian Tate, CEO of the IPA, discusses the latest regulatory proposals from the FDIC, the Consumer Financial Protection Bureau, and the Federal Reserve He considers how they might change the relationships between fintechs and issuing banks, and how they might change the operations of both kinds of companies. This episode was recorded on September 23, 2024, so keep in mind...

I n this episode, Dr. Angela Murphy , vice president of marketing and solution at Pidgin, discusses the revenue opportunities that instant payments offer financial institutions. She also discusses why banks and credit unions need to develop a payments strategy that reaches across their organizations .   You can find the white paper discussed in the show here: Whitepages (pidgin.net) . You can find...

  Apparently, regulators don't take summer vacations . While August is normally quiet in Washington DC, a slew of proposals have come out that could affect everything about the way the f intechs do business.   In the past month, proposed rules on brokered deposits and earned wage access products could change the way many fintechs do business . In addition, a request for information by the Federal...

W orkers may have a harder time getting access to money when they need it, if a new interpretive rule from the Consumer Financial Protection Bureau goes into effect .    The Bureau released an interpretive rule on Thursday that classifies all earned wage access products as credit and therefore subject to certain disclosures and underwriting rules.    I'm Ben Jackson and in this episode, I talk wit...

The second half of 2024 promises to be a wild ride with c ourt cases, bankruptcies, and potential policy changes likely to have wide ranging effects on the industry.    I n this episode, Brian Tate, the IPA's CEO, and Ben Jackson, the IPA's COO, talk about what has happened so far in 2024 and what is coming up in the second half of the year that will affect the payments industry.   They discuss th...

In this episode Brian Tate, the IPA's CEO, the emcees from the 2024 Innovative Payment Conference, Tim Sloane and Lorain Debonis, discuss the recent conference and how the presentations there relate to developments in the payments industry. We talk about artificial intelligence, embedded finance, banking as a service, and how the industry can prepare for what's next. This podcast was recorded on J...

In this episode Brian Tate , the IPA's CEO, discusses recent developments with the regulatory agencies and why that could lead to a flurry of activity through the rest of the year.   We talk about personnel changes at the regulatory agencies, the long ranging effects of the Supreme Court's CFPB Decision, and how the industry can prepare for what's next.   This podcast was recorded on June 13 , 202...

In this episode Brian Tate , the IPA's C E O, Eli Rosenberg of Baird Holm, and Brian Axel, the managing partner of Axel Law discuss the Supreme Court's Decision in Consumer Financial Protection Bureau vs. Community Financial Services Association of America. They cover what it means for the future of the Bureau and for regulatory lawsuits.    This podcast was recorded on May 17 , 2024. Things may h...