RegFi Podcast

Justin Wiseman, Vice President and Regulatory Counsel at the Mortgage Bankers Association, joins RegFi co-hosts Jerry Buckley and Sherry Safchuk to discuss how housing availability and affordability have moved to the forefront of the national agenda. The conversation explores regulatory initiatives the new Trump Administration could take to enhance housing and mortgage credit availability and refo...

Jane Barratt, Financial Data Exchange (FDX) co-board chair, joins RegFi co-hosts Jerry Buckley and Sasha Leonhardt to share the role FDX will play as the first standard setting organization (SSO) approved by the CFPB pursuant to the 1033 Rule. The conversation explores the benefits of token-based APIs over screen scraping, the interdependence between digital identity, fraud prevention and data sec...

At no time in recent memory has consumer finance regulation faced more prospects for change. RegFi hosts discuss what could be in play for consumer finance in 2025, including the future of the CFPB, artificial intelligence, increased activity at the state-level, and a potential rethink of consumer finance regulation. Links: RegFi Episode 49: CFPB's 1033 Rule: Where to From Here? Orrick Financial &...

RegFi Co-Hosts Jerry Buckley, Sherry Safchuk and Sasha Leonhardt explore the implications of the CFPB's recently proposed amendments to Regulation V that would apply the Fair Credit Reporting Act to data brokers. The conversation examines the Bureau's purpose in proposing the rule and key changes, how this interpretation of the FCRA could have an impact well beyond data brokers, and the path forwa...

Brandon Milhorn, President and CEO of the Conference of State Bank Supervisors, joins RegFi co-hosts Sherry Safchuk and Jerry Buckley to share his perspective on the challenges facing community banks and the role of responsible regulation in fostering innovation and maintaining consumer confidence. The conversation explores the impact of AI on financial services, the benefits of standard-setting o...

The Majority Group Partner Anne Canfield joins Sasha Leonhardt and Jerry Buckley to explore legislative changes that could facilitate digital mortgages and cut thousands of dollars from the cost of mortgage origination. Anne, a long time Washington insider, also shares her perspective on potential legislative and regulatory developments to anticipate over the next few months. Links: The Majority G...

Hosts Jerry Buckley and Sherry Safchuk sit down with Susan Milazzo, the CEO of the California Mortgage Bankers Association (CMBA), to discuss the current state and future of mortgage banking in California. As the voice of the mortgage banking industry in California, Susan offers a unique perspective on the challenges and opportunities facing mortgage bankers in the state. Links: California MBA Orr...

Orrick Partner John Coleman joins the RegFi podcast for a conversation about what lies ahead for the CFPB's finalized 1033 rule, including uncertainties created by litigation challenges, election results and the need for additional policy guidance and technical standards. The discussion also highlights key changes from the proposed rule, including extended compliance deadlines, threshold exemption...

Alex Acree, Chief Legal Officer at Unit, joins RegFi co-hosts Jerry Buckley and Caroline Stapleton to explore the role that a financial services infrastructure company can play in the evolving delivery of financial services to consumers and businesses, strategies for innovative financial services startups to secure capital, and regulatory developments and challenges facing fintechs and banking-as-...

David Birch, an internationally recognized thought leader in digital identity and digital money, joins RegFi co-hosts Jerry Buckley and Caroline Stapleton to discuss the evolution of financial services in the metaverse, the role AI and bots will play in managing consumer finances, and what the future holds for digital currencies. Links: DGW Birch Website (dgwbirch.com) Brian Armstrong, Bots and Ba...

RegFi co-hosts Jerry Buckley and Sherry Safchuk are joined by Kelvin Chen, Senior Executive Vice President and Head of Policy at the Consumer Bankers Association, to discuss the rapidly evolving business and regulatory environment in which consumer bankers are operating and the initiatives CBA has underway to enhance consumers' understanding and experience. Links: Consumer Bankers Association CBA...

NYU economics professor Larry White joins RegFi co-hosts Jerry Buckley and Caroline Stapleton to discuss a range of current issues facing the financial services industry. Professor White provides data on the significant holdings of commercial real estate loans in the portfolios of community and mid-size banks and discusses the near- and mid-term challenges these are likely to present. He then turn...

RegFi hosts Jerry Buckley and Sasha Leonhardt welcome Tom Brown, Partner and General Counsel at Nyca Partners, a venture capital firm specializing in fintechs. Tom provides a critical analysis of the current financial services regulatory environment and offers an insider's perspective on other pressing issues and opportunities in the fintech marketplace. The discussion explores the regulatory chal...

Kabir Kumar, partner at Flourish Ventures, joins RegFi co-hosts Jerry Buckley and Sasha Leonhardt to explore the fundamental role of technology in expanding access to fair and stable financial systems. Kabir explains how "fair finance principles" and a thesis-based investment strategy guided Flourish's growth from a team within the Omidyar Network into an $850 million fund promoting global financi...

RegFi co-hosts Jerry Buckley and Sherry Safchuk welcome Orrick partner Aravind Swaminathan for a conversation exploring the critical and evolving role of the Chief Information Security Officer in today's corporate landscape. Aravind emphasizes the importance of organizational culture in the success of cybersecurity efforts and the need for CISOs to be not just technical experts but also strategic...

In this episode of RegFi, hosts Jerry Buckley and Sasha Leonhardt welcome John Coleman, Orrick partner and former Deputy General Counsel of the CFPB, to discuss the Supreme Court's Loper Bright decision overturning Chevron deference and its potential impact on the CFPB's regulatory authority. The conversation looks at how Chevron has been applied, the implications for the Bureau's future rulemakin...

RegFi co-hosts Jerry Buckley and Caroline Stapleton welcome podcast guest Tracy Basinger, former head of supervision at the Federal Reserve Bank of San Francisco and a senior advisor at the Klaros Group. Tracy brings a unique perspective on financial innovation to the conversation, informed by 30 years of experience in the Federal Reserve System, where she led the formation of the FSR's first fint...

Bob Broeksmit, President and CEO of the Mortgage Bankers Association, joins RegFi co-hosts Jerry Buckley and Caroline Stapleton to discuss the transformative impact of technology on the mortgage industry. Bob highlights the industry's tradition of innovation, such as algorithmic underwriting and credit scoring, which has streamlined loan origination and reduced bias in lending decisions. The conve...

The FUTURES Act, a bipartisan legislative initiative recently reported by the House Financial Services Committee as part of a larger financial institutions legislative package, aims to foster technological modernization within financial regulatory agencies. In this episode, RegFi co-hosts Jerry Buckley and Sasha Leonhardt discuss the FUTURES Act and how it would address key findings from a pro bon...

Kate Flocken, a principal at FS Vector, joins RegFi co-hosts Jerry Buckley and Sasha Leonhardt to discuss the increased scrutiny from Congress and regulatory bodies in response to the rapid growth of fintechs, from niche startups to major industry players. Kate highlights the challenges new fintech entrants encounter, the importance of proactive engagement with regulators, and the evolving role of...

This week, RegFi co-hosts Jerry Buckley and Sasha Leonhardt welcome Ignacio Sandoval, a partner at Orrick and former special counsel in the SEC's Office of Chief Counsel, to explore the timely and complex subject of artificial intelligence in the securities industry. Their conversation covers developments at the intersection of AI technology and securities regulation and offers valuable insights i...

We have something a little different for this week's episode. RegFi co-hosts Jerry Buckley and Caroline Stapleton recently joined the latest installment of the American Fintech Council's Future of Finance Webinar Series. The session – Harnessing the Power of AI-Driven RegTech: Revolutionizing Regulatory Compliance – explores the increasing complexity of financial regulation and how AI-driven regte...

Not all of our listeners will be familiar with the Depository Institutions Deregulation and Monetary Control Act of 1980, but pending litigation on state DIDMCA opt outs could upend the bank partnership models employed by many fintechs. RegFi co-hosts Jerry Buckley and Sasha Leonhardt welcome Orrick partner James McGuire for an overview of DIDMCA's interest rate exportation rules for state-charter...

RegFi co-hosts Jerry Buckley and Caroline Stapleton welcome Eugene Ludwig to discuss the decline in economic opportunities for middle- and low-income Americans. Gene, former Comptroller of the Currency and founder of Promontory Financial Group, shares insights from his book The Vanishing American Dream and the work of the Ludwig Institute for Shared Economic Prosperity to develop better statistica...

RegFi co-hosts Jerry Buckley and Sasha Leonhardt in 2020 collaborated with the Alliance for Innovation and Regulation (AIR) to author a report titled "Financial Regulators' Dilemma: Administrative and Regulatory Hurdles to Innovation." The report — based in large part on interviews with heads of innovation at the principal federal financial regulatory agencies — outlines technological, structural...