Banking Transformed with Jim Marous

How the CBA Is Navigating Washington's Shifting Political Landscape

May 6, 2025

Lindsey Johnson, President and CEO of the Consumer Bankers Association, shares her insights on the banking industry's adaptation to shifting political landscapes. She discusses how banks can effectively navigate new regulatory challenges while prioritizing consumer needs. Johnson highlights the balance between technology and traditional banking, emphasizing fairness in competition with fintechs. She also delves into the post-pandemic lending environment and the critical role of data analytics in driving industry resilience amidst these evolving challenges.

39:54

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Episode guests

Lindsey Johnson

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Episode notes

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Quick takeaways

The CBA is actively addressing regulatory shifts by advocating for common-sense regulations that prioritize consumer needs over politically-driven rulemaking.

The integration of AI and data analytics in banking is crucial for enhancing consumer experiences and operational efficiency, despite regulatory concerns.

Deep dives

Changing Landscape of Banking Regulation

The current banking environment is characterized by unprecedented scrutiny from regulators, impacting how financial institutions operate. There is a call for common-sense regulations that directly address consumer harm rather than redundant or politically-driven rulemaking. Recent discussions highlighted challenges surrounding new regulations, such as those impacting credit card late fees, which could inadvertently raise costs for responsible borrowers. The emphasis is on ensuring that regulations genuinely benefit consumers and do not restrict access to credit.

Intro

3min

Navigating Regulatory Challenges in a Transforming Banking Landscape

2min

Navigating Consumer Protection and Regulatory Challenges in Finance

3min

Tech, Banking, and Regulation: A Balancing Act

7min

Navigating Regulatory Challenges in a Post-Pandemic Lending Landscape

2min

Adapting Banking to Evolving Challenges

22min

With significant shifts in Washington's political dynamics and new regulatory challenges emerging across the banking sector, our discussion today will explore how the CBA is evolving to address these changes while balancing the needs of financial institutions and consumers alike.

As part of the Executive Leadership Series, sponsored by Naehas and recorded live at the Financial Brand Forum, Lindsey Johnson, President and CEO of the Consumer Bankers Association, provides valuable insights into how the banking industry is adapting to a changing regulatory landscape in 2025. Johnson also discusses the CBA's evolving role in navigating the challenges of a new administration.

Finally, Johnson shares her perspective on how banks can navigate the uncertainty of leadership changes at key regulatory agencies while maintaining focus on consumer needs.

This episode is sponsored by Naehas. Naehas provides financial institutions with a centralized platform to efficiently manage product creation, pricing strategies, compliance, and disclosures. By automating complex processes and integrating advanced governance tools, Naehas significantly reduces operational risk and accelerates execution. Trusted by 6 of the 10 largest U.S. banks, our solution supports top-tier institutions in delivering precise, compliant offers with speed and accuracy.

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