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Banking with Interest, a podcast by IntraFi, features in-depth analysis and insight into the policy changes reshaping the banking industry. With insightful interviews and previews of pending policy challenges, the podcast is an essential listen for anyone connected to the financial services industry. Banking with Interest is hosted by Rob Blackwell, an award-winning former journalist with more than two decades of experience as an expert on financial services policy. He is now Chief Content O ...
 
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show series
 
It’s been another hectic week in the financial regulatory world, with Democrats unexpectedly outperforming in the midterm elections while separately another crypto meltdown ensued. But what will this mean for bankers? John Heltman, the Washington Bureau Chief of American Banker, and Brendan Pedersen, the financial services reporter for PunchBowl Ne…
 
Aaron Klein, the Miriam K. Carliner Chair and senior fellow in Economic Studies at the Brookings Institution, discusses how the growth of stablecoins could hurt banks, why financial inclusion isn’t going to be solved by a central bank digital currency and why D.C. always wants to give the Federal Reserve more power.…
 
Two journalists who have covered the CFPB for years grapple with the bewildering array of questions stemming from the recent federal appeals court ruling that said the agency’s funding is unconstitutional. What happens if the Supreme Court upholds the ruling? And how long will it take for the issue to be resolved?…
 
Two experts on banking and politics – Cam Fine, the former CEO of the Independent Community Bankers of America and Ed Yingling, the former CEO of the American Bankers Association – talk about how the different election outcomes will affect the industry. That includes a look at what legislation is likely to pass if the GOP seizes the House and Senat…
 
Howard Headlee, the president and CEO of the Utah Bankers Association, takes issue with some bankers’ concern that industrial bank applications by Ford and Rakuten will blur the lines between banking and commerce. He also sharply criticizes banks that sell to credit unions and predicts there will be a legal battle over CRA reform.…
 
Corey LeBlanc, cofounder, chief operating officer and chief technology officer of Locality Bank in Florida, talks about how he and his partners got through the notoriously difficult regulatory process to charter a de novo institution. Why did they succeed where so many others have not? He also talks about what Locality Bank is doing differently tha…
 
Alex Marsh, head of global policy at Klarna, talks about the company’s response to the CFPB report last week that called for buy-now, pay-later firms to be regulated and examined like credit cards. He also discusses the growth of the sector, including the recent drop in valuations for BNPL firms, and where he sees it going next.…
 
Lauren Anderson, senior vice president at the Bank Policy Institute, discusses the various approaches regulators are taking, both internationally and in the U.S., to banks and climate change—and how institutions are responding. That includes blowback to the SEC’s proposed climate disclosure standards and new climate guidelines from the FDIC and OCC…
 
Karen Thomas, the former senior executive vice president of government relations and public policy at the Independent Community Bankers of America, talks about how the political influence of community banks has changed in the past two decades—and the biggest policy challenges facing them now. Those include closing the ILC loophole, CBDCs, and more.…
 
Brad Tidwell, CEO and President of VeraBank in Texas, talks about how he is handling some of the biggest issues facing his institution and the industry, including his response to Fed interest rate hikes, how the bank finds new customers, and the struggle for talent acquisition. He also reveals the prize possession in his classic rock memorabilia co…
 
The always quotable Richard Hunt, who is the departing president and CEO of the Consumer Bankers Association, sits down to reflect on his tenure, including his biggest regret and what it was like to manage a large-bank trade group during the financial crisis and the pandemic. He also looks forward, discussing his views on CRA reform, student lendin…
 
Nicole Lorch, president and chief operating officer of First Internet Bank, talks about how the bank has altered its approach from its start as the first state-chartered, FDIC-insured institution to operate entirely online. She also discusses its recent decision to eliminate overdraft fees, raise its minimum wage, and why its recent acquisition of …
 
Jill Castilla, the president and CEO of Citizens Bank of Edmond in Oklahoma, talks about the different ways her $354 million-asset bank has expanded its reach and stays relevant, including launching a new niche lending platform designed to help veterans get mortgages. She also discusses staffing challenges, why her bank launched a music festival an…
 
John Ryan, the president and CEO of the Conference of State Bank Supervisors who unexpectedly passed away in May at the age of 58, talked last year about state bank regulators’ efforts to retire the siloed state-by-state system of financial services oversight. He, along with Charlie Clark, the director of the Washington State Department of Financia…
 
Neil Stanley, founder and CEO of The CorePoint, talks about how banks should be thinking about their deposit rate strategy as the Fed raises interest rates and customers begin seeking higher returns for their savings. How quickly should banks be raising their own rates—and what alternatives should they be pursuing?…
 
Former Federal Housing Finance Agency Director Mark Calabria says the housing industry is poised for another meltdown, citing high delinquency rates, low supply and loosening credit standards. In an expansive and candid interview, the former GSE regulator predicts Fannie and Freddie will likely fail again despite his best efforts. He details what w…
 
Randal Quarles, former Fed vice chair for banking supervision, talks about how quickly the central bank will tackle inflation, whether the Fed is at risk of becoming too political, and what it was like to help prevent another financial crisis while a pandemic raged. He also talks about his strong views on central bank digital currencies and gives a…
 
Steven Schnall, founder and CEO of $900 million-asset Quontic Bank in New York, talks about why the bank is one of the few to fully embrace cryptocurrency, offering a checking account that grants rewards in bitcoin. He also talks about its newly deployed banking wearable device, plans for the metaverse, and why this CDFI wants to continue to push t…
 
Banks saw record inflows of deposits during the pandemic. But just how sticky are those customers—and deposits—going to be? Scott Hildenbrand, chief balance sheet strategist and head of financial strategies group for Piper Sandler, talks about the common fears bankers are facing right now when it comes to funding and liquidity—and what they need to…
 
James Ballentine, who is set to retire soon after more than 20 years at the American Banker Association’s policy shop, talks about how and why Washington has changed when it comes to making bank legislation. He also previews the fights ahead for bankers on pot banking, the CFPB’s Section 1071 rules, stablecoins and more.…
 
Kate Davidson, the author of Politico’s Morning Money, talks about how she approaches writing one of the financial services industry's most influential newsletters. She also discusses why the Biden administration keeps struggling with its finreg nominations, how the Fed will tackle climate change, and what’s next for interest rates.…
 
Bill Donius, the former CEO and chairman of Pulaski Financial Corp. in Missouri, talks about how he used research into the brain to help grow his St. Louis community bank and write a New York Times bestseller, “Thought Revolution: How to Unlock Your Inner Genius.” Bill discusses how he uses that research to help companies think outside the box when…
 
Sheila Bair, the former chair of the Federal Deposit Insurance Corp., discusses her fears if financial regulation becomes too partisan, as well as tackling several hot-button topics including central bank digital currencies and CRA reform. She also discusses the risks of buy-now, pay-later services and why she writes children’s books aimed at impro…
 
Isaac Boltansky, director of policy research at BTIG, offers his analysis on a busy week in D.C., including two days of testimony by Fed Chairman Jerome Powell, President Biden’s State of the Union address and the economic impact of Russian sanctions. He also talks about whether the Fed will create a digital dollar and whether banks can soften two …
 
Ongoing economic uncertainty, continued consolidation in the banking industry, tougher regulatory oversight, an overwrought housing market and a potential Fed digital currency are just a few of the issues currently facing banks. Two top leaders at the New Jersey Bankers Association—John McWeeney, its president and CEO, and Mike Affuso, its EVP and …
 
James Reuter, President and CEO of $26.7 billion-asset FirstBank in Lakewood, Co., returns to the show to analyze the Fed’s recent 40-page white paper on the creation of a central bank digital currency. What kind of CBDC does the Fed want to create—and how would that impact banks?By IntraFi Network
 
Katie Couric, the legendary news anchor and head of Katie Couric Media, sits down with IntraFi Network’s Barb Rehm to talk about her new memoir, Going There. She discusses why she founded her own media company, her past work co-anchoring the Today show, her rocky transition to co-host of CBS Evening News, the Me Too movement and much more.…
 
Todd Phillips, the director of financial regulatory and corporate governance at the Center for American Progress, talks about the dangers of legislating new rules for digital assets when existing regulatory powers may be sufficient. He also discusses the rise of NFTs and why banks should be wary.By IntraFi Network
 
FDIC Chair Jelena McWilliams unexpectedly announced recently that she is stepping down Feb. 4. What’s behind this decision—and what does it mean for the independence of the FDIC and other banking regulators? Politico’s Victoria Guida and American Banker’s Brendan Pedersen explore the many facets of the FDIC’s leadership battle.…
 
Jim Edwards, the CEO of $2.1 billion-asset United Bank and immediate former past chairman of the ABA, talks about his bank’s unique approach to finding and fostering the next generation of banking talent. He also discusses several policy challenges facing the industry, including overdraft fees and more stringent regulation.…
 
While much of the economic data is relatively strong, consumers remain pessimistic about the economy, with fears about inflation rapidly rising. Mark Zandi, the chief economist at Moody’s Analytics, goes through the latest data to answer critical questions about the economy headed into the New Year. How worried should we be about inflation? What wi…
 
The Independent Bankers Association of Texas and FedFIS have launched a new professional social media site exclusively for community bankers in an attempt to foster collaboration and allow them to easily compare their tech services and experiences. Christopher Williston, the head of IBAT, discusses how the site started, where it’s going and how it …
 
Tim Massad, former chairman of the CFTC, tackles the challenges in designing a U.S. central bank digital currency, including how not to disintermediate banks—and why policymakers need to accelerate their discussions. He also offers his take on recommendations for stablecoin supervision, and where regulators may have gotten it wrong in their recent …
 
Robert Fisher, the CEO of $500 million-asset Tioga State Bank and chairman of the Independent Community Bankers of America, talks about the top concerns facing bankers right now, including staffing shortages and tech upgrades. He also discusses the controversial nomination of a new comptroller of the currency, how ICBA wants to address credit union…
 
Buy-Now-Pay-Later has seen explosive growth during the past year, with a new deal announced seemingly every day. What’s behind BNPL’s rapid rise, why are there concerns about it, and is it the next bubble about to burst? Yizhu Wang, the senior fintech reporter at S&P Global Market Intelligence, answers all that and more.…
 
Earlier this year, the Biden administration called for a law that requires banks to report aggregate information to the IRS on inflows and outflows to accounts. But banks have been fiercely fighting back against the plan. Ian Katz, a bank policy analyst at Capital Alpha Partners, offers his views on who is likely to win this political battle, as we…
 
Jo Ann Barefoot, a former regulator and now CEO of the Alliance for Innovative Regulation, discusses her efforts to help banking regulators contend with the rapid tech evolution in the financial services sector. She discusses why she’s optimistic that tech can help banks and their supervisors better manage risks, assist the underbanked, and combat …
 
Wade Arnold, founder and CEO of Moov Financial, talks about how his startup is tackling one of the fundamental parts of banking—making it easier for businesses to accept, store and disburse money. He also discusses the massive changes under way in the payment system, including the impact of real-time transactions and the rise of cryptocurrency, as …
 
Greg Becker, CEO of Silicon Valley Bank, talks about his bank’s strategy, including its recent expansion of its capital markets business and M&A business, and where it’s going next. He also assesses the competitive landscape between banks and fintechs and reveals his greatest source of optimism—and concern—for the banking industry right now.…
 
Nima Ghamsari, the founder and head of Blend, talks about his journey as an entrepreneur, from his early days selling items on eBay to founding a fintech in 2012. Since its inception, Blend has moved from helping banks and fintechs with digitizing the mortgage process into what he calls “proactive finance,” including helping financial institutions …
 
There’s been a lot of chatter in the media recently about regulatory concerns on stablecoins, as well as the potential the Fed might offer its own central bank digital currency. But there’s precious little information about what those things actually are—and how they could impact the financial services sector. David Andolfatto, a senior vice presid…
 
Begun in 2017 with the promise of a better approach to overdraft fees, fintech “Dave” has seen tremendous growth, including more than 10 million customers. CEO Jason Wilk talks about why Dave started by targeting overdraft, how he sees the policy debate over the controversial fees—and his ambitious plans for what’s next.…
 
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