Best Consumer Proposals Podcasts (2024)

1
149 - A Guide to Consumer Proposals and Debt Relief 18:02

4d ago18:02

18:02

Everywhere you turn there is another report or survey about Canadian’s record high indebtedness. And alongside those reports we are inundated with offers to help. But be cautious and know that the only debt relief program administered by the federal government is a Consumer Proposal. And the only professional who can file a Proposal is a Licensed I…

1
151 - Signs You Might Be in Financial Trouble 18:31

1h ago18:31

18:31

Finding yourself with unmanageable debt doesn't usually happen overnight. It is often a slow unnoticeable process that might start with being a few hundred dollars short every month. But the sooner you take action, the more options will be available. You’ll have the ability to make decisions before your creditors do. If you think you are alone in t…

1
150 - Tax Debt: Solutions That Work 15:47

5h ago15:47

15:47

Owing the Canada Revenue Agency (CRA) money can be overwhelming. This government agency has greater powers to collect compared to other creditors. What do you do when you simply cannot pay your outstanding tax debt? The good news is that there are ways that you can overcome debts owing to the CRA. In this podcast, Licensed Insolvency Trustee Leigh …

1
Episode 140: DIB/CMMC Cybersecurity – Interesting Observations from a Significant Study 47:44

16h ago47:44

47:44

Join us for an engaging episode of the Virtual CISO Podcast with host John Verry. This episode features Chris Petersen, co-founder of LogRhythm and current CEO of Radical. Chris brings over two decades of experience in cybersecurity, offering deep insights into the industry's challenges and advancements. In this episode, we'll explore: - The surpri…

1
Consumer Financial Protection Bureau Wins in Supreme Court But Can the Fed Continue to Fund the CFPB Without Earnings? 56:22

19h ago56:22

56:22

Special guest Alex J. Pollock, Senior Fellow with the Mises Institute and former Principal Deputy Director of the Office of Financial Research in the U.S. Treasury Department, joins us to discuss his recent blog post published on The Federalist Society website in which he urges Congress to look into the question of whether the Federal Reserve can l…

1
What Banking Leaders Need to Know About the U.S. Supreme Court Ruling That the CFPB’s Funding Mechanism is Constitutional Part II 33:14

8d ago33:14

33:14

On May 16, 2024, the U.S. Supreme Court ruled that the CFPB’s funding mechanism does not violate the Appropriations Clause of the U.S. Constitution. This two-part episode repurposes a recent webinar. In Part II, we first discuss the CFPB’s launch of Fair Credit Reporting Act rulemaking, proposed rule to supervise larger payment providers, proposed …

1
What Banking Leaders Need to Know About the U.S. Supreme Court Ruling That the CFPB’s Funding Mechanism is Constitutional Part I 52:21

18d ago52:21

52:21

On May 16, 2024, the U.S. Supreme Court ruled that the CFPB’s funding mechanism does not violate the Appropriations Clause of the U.S. Constitution. This two-part episode repurposes a recent webinar. In Part I, we first discuss the SCOTUS decision, the status of the CFPB’s payday lending rule that was at issue in the underlying case, and a potentia…

1
Episode 139: How adding Crisis Management to your Incident Response Plan can save your bacon? 38:53

21d ago38:53

38:53

Join us for an engaging episode of the Virtual CISO Podcast with host John Verry. This episode features Kevin Dinino, President of KCD PR, who delves into the critical aspects of crisis management and communications. Kevin brings over 20 years of experience in guiding companies through the complexities of strategic communications, particularly in t…

1
Did the Supreme Court Hand the CFPB a Pyrrhic Victory? 43:56

25d ago43:56

43:56

Special guest Professor Hal Scott of Harvard Law School joins us today as we delve into the thought-provoking question of whether the Supreme Court’s recent decision in the landmark case of CFSA v. CFPB really hands the CFPB a winning outcome, or does the Court’s validation of the agency’s statutory funding structure simply open up another question…

1
An Insider’s View of the CFPB 59:14

1M ago59:14

59:14

Our special guest this week is John Tonetti. After decades as an industry risk executive, Mr. Tonetti joined the Consumer Financial Protection Bureau (CFPB), where he worked for many years in roles including Debt Collection Program Manager, senior policy analyst, and internal consultant on numerous issues including debt collection and risk manageme…

1
148 - Breaking the Cycle: Strategies for Managing Debt Amidst Daily Expenses 17:41

1M ago17:41

17:41

Debt cycles are easy to fall into but with a little planning and some discipline, you don’t have to keep spinning your wheels. Acknowledging that you’re trapped in a cycle of debt is a good place to start. In this timely podcast, Licensed Insolvency Trustee, Derek Chase, talks about strategies for managing debt. Other topics covered include: Payday…

1
147 - The Benefits of Meeting with a Local Licensed Insolvency Trustee 16:05

1M ago16:05

16:05

If you are already under stress as a result of your financial situation, it’s difficult to decide where to turn when looking for debt relief. Meeting with someone in person who has an office where you live can be helpful. Licensed Insolvency Trustee, Derek Chase explains the benefits of seeking out a local Trustee firm that you feel comfortable wit…

1
Banks and Their Customer Relationships: What is the Appropriate Role of Bank Regulators? 58:44

1M ago58:44

58:44

Our special guests are Professor Dru Stevenson, South Texas College of Law in Houston, and Brian Knight, Senior Research Fellow, Mercatus Center at George Mason University. In this episode, we first discuss the history of “Operation Chokepoint,” the Obama-era initiative in which the FDIC and other federal banking agencies targeted banks serving pay…

1
Episode 138: Is Consuming SaaS an Information Security Faustian Bargain? w/ William Eshagh 44:30

1M ago44:30

44:30

By John Verry

1
A Discussion of Industry and Consumer Perspectives on Mass Arbitration 1:02:58

2M ago1:02:58

1:02:58

Our special guest is Professor Richard Frankel of Drexel University Thomas R. Kline School of Law and the author of a recent article on mass arbitration. In this episode, we first discuss what mass arbitration is, how it relates to class action lawsuits, and the role of public enforcement. We then discuss the industry and consumer positions on the …

1
A Close Look at the Consumer Financial Protection Bureau’s Proposal to Supervise Large Nonbank Providers of Digital Wallets and Payment Apps 53:52

2M ago53:52

53:52

Our special guest is Brian Johnson, Managing Director of Patomak Global Partners and former CFPB Deputy Director. In Nov. 2023, the CFPB issued a proposed rule to supervise nonbank companies that qualify as larger participants in a market for “general-use digital consumer payment applications.” We first discuss the CFPB’s authority to supervise non…

1
11: Patrick M. Brenner, Founder and President of the Southwest Public Policy Institute (SPPI) 27:56

2M ago27:56

27:56

Patrick M. Brenner, founder and president of the Southwest Public Policy Institute (SPPI), joined the American Legal Record Podcast to discuss the Consumer Financial Protection Bureau (CFPB) and the SPPI's work to promote sound public policy. Before launching SPPI, Patrick worked in public relations and marketing, then took charge of the donor enga…

1
146 - How to Respond to Collection Notices and Protect Your Credit 14:47

2M ago14:47

14:47

Anyone can fall behind on debt payments especially in these uncertain economic times. Having unpaid debt turned over to a debt collector is a worst-case scenario for the majority of Canadians. But when this happens, it’s important to know how to minimize the impact if a debt collection agency does come calling. Licensed Insolvency Trustee, Mary-Ann…

1
145 - How Bankruptcy Works for Individuals vs. Businesses in Canada 16:42

2M ago16:42

16:42

Thousands of Canadian businesses exit the marketplace every year whether through filing Bankruptcy or just closing their doors. Many more are on a razor’s edge with the rising cost of servicing their debt due to higher interest rates. Today’s podcast looks at the cost of putting a business through Bankruptcy and other options that may be available.…

1
The U.S. Supreme Court’s Pending Ruling on National Bank Preemption: A Discussion of Cantero v. Bank of America, N.A. 1:10:48

2M ago1:10:48

1:10:48

On February 27, 2024, the U.S. Supreme Court heard oral argument in Cantero v. Bank of America, N.A., a case involving the effect of the Dodd-Frank Act on the scope of preemption under the National Bank Act (NBA). The specific question before the Court is whether, post-Dodd-Frank, the NBA preempts a New York statute requiring banks to pay interest …

1
Episode 137: Strategies and Insights w/ Sagi Brody 30:57

2M ago30:57

30:57

By John Verry

1
A Close Look at the Consumer Financial Protection Bureau’s Final Credit Card Late Fee Rule: Have Cardholders Been Dealt a Winning or Losing Hand? 1:07:22

2M ago1:07:22

1:07:22

Our special guest is Andrew Nigrinis of Legal Economics LLC and former CFPB enforcement economist. The CFPB’s final credit card late fee rule lowers the safe harbor late fee amount that card issuers other than “smaller card issuers” can charge to $8. We first discuss how the final rule differs from the proposed rule and the existing rule, who are “…

1
10: AFSA President Bill Himpler on the State of Consumer Credit and Regulation by the CFBP 30:52

2M ago30:52

30:52

Bill Himpler, president of the American Financial Services Association (AFSA) joined the American Legal Record Podcast to discuss AFSA’s mission, a macro look at the state of credit, mortgage borrowing, its relationship to the Consumer Financial Protection Bureau (CFPB), the regulatory environment, and what lies ahead re interest rates. Himpler joi…

1
An Update on Earned Wage Access Products 51:59

2M ago51:59

51:59

Our special guest is Ian Moloney, Senior Vice President and Head of Policy and Regulatory Affairs with the American Fintech Council (AFC). After reviewing how EWA products are used by consumers and the differences between employer- and provider-based products, we discuss the regulatory challenges faced by the EWA industry, the regulatory approaches…

1
A Close Look at the Consumer Financial Protection Bureau’s Proposed Rules on Overdraft and Nonsufficient Funds Fees 51:30

3M ago51:30

51:30

Our special guest is David Pommerehn, SVP, General Counsel, Head of Regulatory Affairs at the Consumer Bankers Association. In January 2024, the CFPB proposed two new rules: one restricting overdraft fees and the other prohibiting NSF fees on certain declined transactions. The proposals are among the CFPB’s latest moves in furtherance of the Biden …

1
9: Public Interest Legal Foundation’s brief to keep former President Donald Trump on the ballot 33:43

3M ago33:43

33:43

Joe Nixon, Litigaiton Counsel at the Public Interest Legal Foundation (PILF), joined the American Legal Record Podcst to discuss PILF’s brief in the U.S. Supreme Court arguing against Colorado’s attempt to remove former President Donald Trump from the ballot. Nixon has been with PILF since April 2023, and has been board certified in Civil Trial Law…

1
Episode 136: AI Risk Management – Is ISO 42001 the Solution? w/ Ariel Allensworth 52:45

3M ago52:45

52:45

By John Verry

1
144 - Bankruptcy and Student Loan Debt 17:05

3M ago17:05

17:05

While most Canadians view student loans as an investment rather than an expense, they can become a burden after graduation. As the years go by and more unsecured debt is added, it can be a struggle to keep up. If you are contemplating filing for personal Bankruptcy in the hopes of discharging your student loan debt, you need to make sure your timin…

1
The Federal Trade Commission: Looking Back at 2023 and Looking Ahead to 2024 and Beyond 1:00:22

3M ago1:00:22

1:00:22

Our special guest is Malini Mithal, Associate Director of the FTC’s Division of Financial Practices. In this episode, which repurposes a recent webinar, we review highlights of FTC regulatory and enforcement activity in 2023 directed at protecting consumers and small businesses and discuss what to expect from the FTC in 2024 and beyond. After revie…

1
143 - Can You Switch Between Bankruptcy and Consumer Proposal 19:59

3M ago19:59

19:59

Under the Canadian Bankruptcy & Insolvency Act there are two options that allow consumers to eliminate debt, filing a Bankruptcy or a Consumer Proposal. The option you chose is based on your personal situation at the time of filing. But what happens if your financial circumstances change? Can you switch from a Bankruptcy to a Consumer Proposal or i…

1
Episode 135: Can Distributed Ledger Technology Simplify Privacy Compliance? W/ Zenobia Godschalk 43:06

3M ago43:06

43:06

In this episode of The Virtual CISO Podcast, your host, John Verry, engages in a conversation with guest Zenobia Godschalk, Senior Vice President of Hedera Hashgraph, as they discuss distributed ledger technology and its effects on privacy compliance. Join us as we discuss the following: The erosion of Privacy Online Distributed Ledger Technology (…

1
The Consumer Financial Protection Bureau’s Use of Unfairness to Regulate Discriminatory Conduct: A Discussion of the Consumer and Industry Perspectives 1:02:01

3M ago1:02:01

1:02:01

Our special guest is Jeff Sovern, Professor at the University of Maryland Francis King Carey School of Law. In March 2022, the CFPB announced that it had revised its exam manual to instruct its examiners to apply the “unfairness” standard under the Consumer Financial Protection Act to conduct considered to be discriminatory, whether or not it is co…

1
National Association of Realtors Class-Action Lawsuit Proposed Settlement 18:19

3M ago18:19

18:19

In this consumer focused conversation, Matt Hudson and Mike Aden (Employing Broker at Colorado Home Realty) discuss the proposed settlement of the 6 year class-action lawsuit which, amongst other things claims that the National Association of Realtors (NAR) is complicit in required practices by members that contributed to price fixing. Mike and Mat…

1
Telephone Consumer Protection Act Update: Developments Impacting Consent and Lead Generation 53:02

3M ago53:02

53:02

New Federal Communications Commission TCPA rules will mean big changes for businesses, particularly comparison shopping websites, lead generators, and other companies that regularly contact consumers via phone or text message. This episode repurposes a recent webinar. After reviewing TCPA consent requirements for calls and texts and exceptions, we …

1
8: Chris Dickerson on the Reduction in Online Access to West Virginia Court Records 23:46

3M ago23:46

23:46

Chris Dickerson, editor of the West Virginia Record, joined the American Legal Record Podcast to discuss the reduction in transparency and access to court records in West Virginia. Chris Dickerson's Experience and Concerns: Chris Dickerson, a seasoned journalist with 19 years of experience covering the West Virginia court system, discussed the sign…

1
142 - Escape the Paycheque Trap 18:42

4M ago18:42

18:42

Living paycheque to paycheque can be stressful, to say the least. A recent poll by Leger found that almost half of Canadians are living that way. Stepping off that treadmill is possible with a few sacrifices and a bit of hard work. Licensed Insolvency Trustee, Leigh Taylor talks about the paycheque trap - how it can slowly happen if we don’t pay cl…

1
The U.S. Supreme Court Hears Two Cases in Which the Plaintiffs Seek to Overturn the Chevron Judicial Deference Framework: Who Will Win and What Does It Mean? Part II 44:18

4M ago44:18

44:18

On January 17, 2024, the U.S. Supreme Court heard oral argument in two cases in which the question presented is whether the Court should overrule its 1984 decision in Chevron, U.S.A., Inc. v. Nat. Res. Def. Council, Inc. That decision produced what became known as the "Chevron judicial deference framework" - the two-step analysis that courts typica…

1
141 - Cost of Living: Why Does It Matter? 15:31

4M ago15:31

15:31

Even though Canada’s economy is thriving in many ways, the rising cost of living is putting pressure on Canadian’s finances. As the price of goods continues to rise, household budgets are getting squeezed from all angles. Rising inflation is affecting most of us and in this podcast, Licensed Insolvency Trustee, Leigh Taylor discusses how we can pro…

1
Episode 134: Understanding TISAX w/ Alexander Häusler 49:47

4M ago49:47

49:47

By John Verry

1
The U.S. Supreme Court Hears Two Cases in Which the Plaintiffs Seek to Overturn the Chevron Judicial Deference Framework: Who Will Win and What Does It Mean? Part I 46:18

4M ago46:18

46:18

On January 17, 2024, the U.S. Supreme Court heard oral argument in two cases in which the question presented is whether the Court should overrule its 1984 decision in Chevron, U.S.A., Inc. v. Nat. Res. Def. Council, Inc. That decision produced what became known as the "Chevron judicial deference framework" - the two-step analysis that courts typica…

1
7: David Williams of the Taxpayers Protection Alliance on “Mission Creep” by the Consumer Financial Protection Bureau 33:58

4M ago33:58

33:58

David Williams, president of the Taxpayers Protection Alliance (TPA) joins this episode of the American Legal Newswire Podcast to discuss the actions of the Consumer Financial Protection Bureau (CFPB) and its effects on our economy.Williams discussed the TPA’s new project, “CFPB Mission Creep,” which TPA says is designed to “shine a light on the ne…

1
140 - Consumer Proposal vs. Bankruptcy: Making the Right Decision for Your Financial Future 15:11

4M ago15:11

15:11

The top 2 insolvency options that provide debt relief in Canada are personal Bankruptcy and Consumer Proposals. Both resolve debt problems and provide legal protection from your creditors. However, they are significantly different from each other. Everyone’s situation is different and there is no one size fits all solution in determining which is t…

1
139 - Facing Bankruptcy: What to Do Before, During and After You File 17:30

4M ago17:30

17:30

The mere mention of the word Bankruptcy can send shivers down most people’s spines, but it doesn’t have to be a scary process. As with most fears, they stem from the ‘unknown’. Most people who have been through a Bankruptcy don’t tend to share their experiences. This podcast is meant to lift the curtain on this debt relief option and take the myste…

1
Hyper-Local Real Estate and Consumer Debt Driving Only Two Choices 39:59

4M ago39:59

39:59

The January Producer Price Index inflation report released in February effectively eliminated the Federal Reserve from beginning the decline of banking rates this spring, which caused a market reaction that drove mortgage rates higher. This upward movement of mortgage rates has tempered buyer activity year to date, but we still see real estate pric…

1
How the Consumer Financial Protection Bureau Can Advance the Use of Artificial Intelligence in Consumer Financial Services 43:16

4M ago43:16

43:16

Our special guest is Brad Blower, Principal and Founder of Inclusive-Partners LLC, and author of a recent blog post titled “The CFPB Has An Opportunity to Greatly Advance the Ethical and Non-Discriminatory Use of AI in Financial Services and Should Take It.” We first discuss the lack of clear guidance from the CFPB on the non-discriminatory use of …

1
Kubernetes Security – Simplified Shauli Rozen, CEO of ARMO 48:12

4M ago48:12

48:12

In this episode of The Virtual CISO Podcast, your host, John Verry, engages in a conversation with guest Shauli Rozen, CEO and Co-Founder of ARMO, exploring the intricacies of Kubernetes, the orchestration tool that's reshaping how we deploy, scale, and manage containerized applications. Join us as we discuss: What a container is Implications of co…

1
The CARS Rule: What You Need To Know About the Federal Trade Commission’s Final Motor Vehicle Dealer Trade Regulation Rule, Part II 46:15

4M ago46:15

46:15

Our special guest is Richard (“Rick”) Hackett, former Assistant CFPB Director responsible for auto finance regulation and presently a member of the Board of F&I Sentinel, which supports lender compliance in the auto finance and insurance industry. In December 2023, the FTC announced its final Combatting Auto Retail Scams Rule, otherwise known as th…

1
6: West Virginia’s Proposed Constitutional Amendment to Add U.S. Citizenship as a Voting Requirement 24:15

4M ago24:15

24:15

West Virginia’s proposed constitutional amendment to add U.S. citizenship as a voting requirement Chris Dickerson, editor of the West Virginia Record, joined the American Legal Record Podcast to discuss voter security and the mail-in ballot process in West Virginia. Voter Security Concerns: Dickerson discussed the issues of voter security and voter…

1
The CARS Rule: What You Need To Know About the Federal Trade Commission’s Final Motor Vehicle Dealer Trade Regulation Rule, Part I 49:12

5M ago49:12

49:12

Our special guest is Richard (“Rick”) Hackett, former Assistant CFPB Director responsible for auto finance regulation and presently a member of the Board of F&I Sentinel, which supports lender compliance in the auto finance and insurance industry. In December 2023, the FTC announced its Combatting Auto Retail Scams Rule, otherwise known as the “CAR…

1
138 - Marriage and Finances: Till Debt Do Us Part? 16:04

5M ago16:04

16:04

It has been said that money can be like a silent third partner in a relationship. Whether you’re married or just starting to get serious with someone, it’s a good idea to cultivate open and honest communication about your financial situation. Licensed Insolvency Trustee, Bonnie Hooley has had a lot of experience with couples, helping them navigate …

Podcasts Worth a Listen

Consumer Proposals Podcasts

Podcasts Worth a Listen

Quick Reference Guide