show episodes
 
The Consumer Financial Services industry is changing quickly. This weekly podcast from national law firm Ballard Spahr focuses on the consumer finance issues that matter most, from new product development and emerging technologies to regulatory compliance and enforcement and the ramifications of private litigation. Our legal team—recognized as one of the industry's finest— will help you make sense of breaking developments, avoid risk, and make the most of opportunity.
 
Tech on Reg is the podcast that explores all things at the intersection of law, technology and high regulated industry. Host Dara Tarkowski talks FinTech, RegTech, SexTech and more with thought leaders and entrepreneurs from around the world to share insights, trade viewpoints and get us all thinking about responsible innovation.
 
Banking With Interest, a podcast by Promontory Interfinancial Network, 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. ...
 
The Global Financial Markets podcast helps clients deal with the legal and business challenges resulting from the ongoing turbulence in worldwide financial markets. By mobilizing our global resources from multiple practices and offices, the podcast provides clients with knowledgeable and timely counsel on a broad spectrum of their legal needs.
 
Murmurings: highlighting best practices around financial education, financial well-being, philosophy and philanthropy in the credit union space. Whether it’s collaborating on projects, convening resources, igniting passion, honoring leaders, or making financial education meaningful, the Foundation represents credit unions at the national level, kick starting their efforts to strengthen the financial well-being of everyone in their community.
 
Your daily business news, brought to you by Slate. Hear more Slate articles at Slate.com/Voice. Want to hear a daily selection of the magazine’s best stories? Learn more at slate.com/voice A SpokenEdition transforms written content into human-read audio you can listen to anywhere. It's perfect for times when you can't read - while driving, at the gym, doing chores, etc. Find more at www.spokenedition.com
 
Download a full audiobook of your choice free at http://audiobookspace.com/free Let Us Tell You a Story. We've got more than 100,000+ incredible audiobooks that will take you anywhere you want to go. We have it all! Bestsellers, classics, award-winners, romance, thrillers, Fiction, business, bios, young adult and more. What do you want to listen to? Take your books anywhere with our free apps for iOS and Android. Listening on-the-go has never been faster, easier or more enjoyable. We've intr ...
 
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show series
 
Mortgage origination and servicing continue to be a supervisory focus. We review the CFPB’s findings in the following areas and discuss compliance implications: redlining based on nonbank lenders’ advertising practices, improper consideration of applicants’ public assistance income in determining eligibility for mortgage modifications, and servicin…
 
On June 29, 2020, in the case Seila Law v. Consumer Financial Protection Bureau (CFPB), the Supreme Court held in a five-to-four decision that the statutory provision limiting the President’s authority to remove the director of the CFPB violated the Constitution by infringing on the President’s powers to execute the laws. The opinion provides guida…
 
The pandemic has had more impact on small business lending than probably any other vertical. While the PPP enabled many lenders to continue to lend and therefore stay in business that is now history. What the pandemic also did was that it demonstrated how robust lenders underwriting models were. This crisis has not effected all lenders equally with…
 
On September 18, 2020, Justice Ruth Bader Ginsburg, the second woman to serve on the Supreme Court of the United States, passed away at the age of eighty-seven, vacating a seat on the High Court that she had held for twenty-seven years. It is likely that Justice Ginsburg’s views in closely decided Supreme Court cases will be of most interest to Mem…
 
Aaron Klein, the policy director at the Center on Regulation and Markets at the Brookings Institute, talks about why the U.S. has lagged behind other countries when it comes to real-time payments. He discusses how banks can speed up the adoption of real-time payments and why it would be helpful during the COVID crisis. He argues real-time payment a…
 
One of the challenges that has plagued consumer lenders over the years is that when times get difficult some consumers do much better than others. There are even large variances in people who have the exact same credit score. There are lots of ways to get a 680 credit score and these people will all behave in a similar way when economic conditions …
 
Topics include how banking regulators and FinCEN will approach the decision whether to bring an enforcement action (including what BSA/AML program failures typically would (or would not) result in cease and desist orders), how the regulators’ statement differs from 2007 guidance, how the statements relate to recent updates to the BSA/AML examinatio…
 
On this episode of Tech on Reg, Dara discusses the long-awaited settlement between Avant and Marlette Funding and the Colorado Attorney General. Among other things, the AG’s lawsuit centered around the relationships between these online lenders and the banks funding the loans originated on the platforms and questioned who the “true lender” really w…
 
Rob Nichols, the president and CEO of the American Bankers Association, talks about whether another financial crisis is in the offing, how Washington could help banks now, and the impact of the election on the banking industry. Oh, and he also reveals what U2’s Bono is like in person.By Promontory Interfinancial Network
 
We have seen big changes in the payments landscape this year. Technologies such as contactless payments have seen five years of growth in just the last six months. Companies that didn’t have a large digital footprint before the pandemic suddenly realized they had to adapt, and fast. This is where today’s guest comes in. Our guest on the Lend Academ…
 
On June 18, 2020, in the case Department of Homeland Security v. Regents of the University of California, the Supreme Court held in a five-to-four decision that the reasoning the Department of Homeland Security (DHS) offered in support of its decision to rescind the Deferred Action for Childhood Arrivals (DACA) initiative was inadequate and therefo…
 
Please join Mayer Brown lawyers Steve Kaplan, Eric Mitzenmacher and Jeff Taft for a discussion of the key takeaways for bank partner programs, investors purchasing loans and secondary market participants funding the acquisition of or arranging the securitization of such loans.By Mayer Brown
 
The IPA recently held its first Fintech Elevator. The online event gave participants a chance to make industry connections and win a membership in the Innovation Payments Association. In this episode, we talk with one of our winners, Frizzmo, an app and card account that combines spending tools and financial literacy modules to teach kids about mon…
 
We are joined by Prentiss Cox, a University of Minnesota Law School Professor formerly of the MN AG’s office and the CFPB’s Consumer Advisory Board. After discussing whether the CFPB’s structure should change in the wake of SCOTUS’s Seila Law decision, we look at the different approaches of the CFPB’s past and current leadership to the use of its a…
 
We have seen many companies in fintech branch out into adjacent areas of finance as they add product lines to bring more opportunities for their customers. But rarely, if ever, have we seen fintech companies look outside of finance completely when adding to their product mix. Our next guest on the Lend Academy Podcast is Sergio Furio, the CEO and F…
 
We are joined by Kelly Cochran, Deputy Director of FinRegLab, a non-profit focused on the use of data and technology in financial services. We examine credit reporting, credit scoring, and underwriting issues arising from COVID-19 and CARES Act requirements, including use of comment codes by furnishers, treatment of forbearance-related information …
 
In this episode we take a peek into people’s diaries with Claire Greene from the Federal Reserve bank of Atlanta, and Joanna Stavins of the Federal Reserve bank of Boston. In their report, The 2019 Diary of consumer Payment Choice, they use data logged by consumers as part of a payments diary to understand the trends in consumer payments behavior. …
 
U.S. District Judge James Donato’s recent decision to decline the appointment of a list of all male lawyers to lead a class action lawsuit sent a much-needed jolt through the industry this summer. Law firms may tout diversity, equity and inclusion in their glossy brochures. But the numbers and pay inequality speak to a different reality for many wo…
 
Misha Esipov, the founder and CEO of Nova Credit, discusses how he helped to build the world’s first cross-border consumer credit reporting agency, why immigrants are critical to economic growth in the U.S., and how credit history is key to addressing economic disparities.By Promontory Interfinancial Network
 
It is a conundrum for every online lender. Why is it that such a small percentage of the borrowers who start at the top of the marketing funnel make it all the way through the online journey? And then a portion of those that do complete the journey are fraudsters. Our next guest on the Lend Academy Podcast has made it his mission to help solve thes…
 
After reviewing how the CFPB has changed since 2017 (and dispel some misconceptions), we share our expectations if Joe Biden becomes President. Topics discussed include the CFPB’s approach to enforcement and supervision (including possible new larger participant rules), the fate of the payday loan rule and ongoing rulemakings, possible candidates t…
 
Mexico is becoming a hotbed of fintech innovation. The second largest economy in Latin America has seen a wave of innovative fintech companies launch in the last five years and fintech investors are taking notice. There is more VC money available today in Latin America than ever before which means the leaders in the industry are becoming almost as …
 
On July 15, 2020, the Consumer Financial Protection Bureau filed a lawsuit against a Chicago-based mortgage lender, alleging that the company “redlined” African-American neighborhoods in the Chicago Metropolitan Statistical Area and discouraged prospective applicants from applying for mortgage loans on the basis of race. This marks the first time t…
 
After a recap of industry’s successful history in defeating challenges to the use of arbitration agreements to limit class action exposure, we discuss the threat of public injunctive relief claims to the use of arbitration resulting from recent CA and 9th Cir. decisions, efforts to distinguish such claims from claims for other relief, drafting stra…
 
In this episode IPA CEO Brian Tate and our members talk with Brian Brooks, the Acting Comptroller of the Currency. In a wide-ranging discussion, they talk about regulating during the COVID19 pandemic and beyond. Looking to the future, they discuss fintech charters, small dollar lending, and digital dollars. The Comptroller also brings up the social…
 
Consumers today expect call technology to feel human and easy. Are businesses up for the challenge and can they implement Voice AI in a way that keeps regulators from knocking on their doors? On this episode of Tech on Reg, Dara speaks with Jim Freeze, CMO of Boston-based AI company Interactions, about how call technology increases profitability an…
 
Jeff Plagge, the Iowa Superintendent of Banking, talks about the growing tensions between the OCC, which wants to offer a national charter for payments companies, and state regulators, who believe it would be systemically risky to do so. Plagge also discusses the potential credit impact of COVID-19 on commercial real estate and agricultural lending…
 
In fintech today many companies are expanding beyond their core product as they seek to serve their target market with more and better products. What we are seeing is companies embracing all forms of digital banking as they expand their focus. Our next guest on the Lend Academy Podcast is Andy Rachleff, the CEO and Co-Founder of Wealthfront. Wealth…
 
After we recap the 2017 final rule and its implications for industry, we discuss the CFPB’s actions to eliminate its ability-to-repay provisions but keep its payment provisions, possible use of the Congressional Review Act to restore the entire 2017 rule, status of the Texas litigation challenging the 2017 rule, potential impact of the 2020 preside…
 
Craig Scheef, the founder, chairman and CEO of Texas Security Bank in Dallas, talks about his bank’s unique approach to small business lending, how the institution successfully doubled its asset size thanks to the PPP program, and why he believes policymakers underestimate the value of a free enterprise system.…
 
On June 15, 2020, the Supreme Court issued a decision in a series of cases brought by gay and transgender workers alleging that their employers violated Title VII of the Civil Rights Act of 1964 (Title VII) by discriminating against them “because of . . . sex.” The Court held 6-3 in Bostock v. Clayton County, Georgia that Title VII forbids employer…
 
More than two decades after the U.S. embassies bombings in Tanzania and Kenya, some plaintiffs who alleged that Sudanese support of Al Qaeda contributed to the attacks have won the opportunity to obtain punitive damages against the government of Sudan. The Supreme Court decided 8-0 (with no participation by Justice Kavanaugh) in Opati v. Republic o…
 
There never been an environment like this for consumers. Even with some government assistance many people are struggling like never before, struggling to pay their rent, put food on the table and to pay back their loans. There are resources all over the country to help people in need but sadly not enough people know about them. Our next guest on th…
 
Acting Comptroller Brooks recently revealed the OCC’s plans to create a national payments charter for payment processing companies. After discussing the new charter’s intended purpose and benefits, we look at the OCC’s planned two-phase roll-out, how a payments charter would differ from the OCC’s fintech charter, other charter options for non-bank …
 
Find cannabis laws and regulations confusing? Guess what: it’s not you. From seed to sale, federal, state and municipal governments create different frameworks and those who learn how to navigate the system win. How can businesses and investors get it right without wasting time and money? How can governments use data to make policy? Dara Tarkowski …
 
In 2011, Congress enacted major patent reform in the Leahy-Smith America Invents Act (AIA). The AIA, among other things, created inter partes review (IPR), an adversarial procedure during which the U.S. Patent & Trademark Office’s (PTO’s) Patent Trial & Appeal Board (PTAB) reviews the validity of issued patents. In particular, IPR allows any person…
 
On May 7, 2020, a unanimous Supreme Court threw out the federal fraud convictions of two former New Jersey officials whose politically motivated scheme redirected access to toll lanes on the George Washington Bridge between New Jersey and New York leading to gridlock. The federal fraud statutes at issue condemn schemes to obtain money or property. …
 
On March 23, 2020, the Supreme Court issued its opinion in Allen v. Cooper, concluding that Congress lacked the authority to enact the Copyright Remedy Clarification Act of 1990 (CRCA), which purported to abrogate state sovereign immunity in copyright infringement actions. The CRCA, which sought to remedy alleged state copyright infringement, provi…
 
The last financial crisis ushered in the Dodd-Frank Act and with that the Consumer Financial Protection Bureau (CFPB). The CFPB had a mandate to protect consumers from financial harm but it has not been without controversy. Our next guest on the Lend Academy Podcast is none other than Rich Cordray, the first Director of the CFPB from 2012 through t…
 
Last month, the US Supreme Court ruled that the structure of the Consumer Financial Protection Bureau (CFPB) was unconstitutional, but that the agency could continue to operate so long as its Director is answerable to the President. Please join Mayer Brown partners Ori Lev and Stephanie Robinson for a discussion of the Supreme Court’s ruling.…
 
Recent amendments to NYC’s debt collection rules impose new requirements relating to consumers’ language proficiency. Following an overview, we take a close look at the specific requirements and their applicability to first- and third-party collections, discuss the DCA’s authority, availability of federal preemption, and compliance challenges, and …
 
Richard Hunt, the head of the Consumer Bankers Association, talks about the impact of a recent Supreme Court decision that said the CFPB’s leadership structure was unconstitutional, and why he fears it will inhibit banks from offering small-dollar loans. He also discusses the OCC’s final CRA reform rule, why there’s a coin shortage in the U.S. and …
 
There are many areas of finance that are really stepping up during the crisis. We have talked at length about the fintech lenders that helped drive billions of dollars to small businesses through the PPP. In this episode we talk about impact investors and the outsized role they can play today. Our next guest on the Lend Academy Podcast is Jacob Haa…
 
After reviewing the legal foundation for federal preemption of state law limits on interest, we discuss the final OCC/FDIC “Madden fix” rules, the “true lender” issue, potential Congressional or litigation challenges to OCC/FDIC “Madden fix” and “true lender” rules, and recent developments in litigation involving Madden or “true lender” challenges …
 
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