Ian P. Moloney

Ian Moloney, Head of Policy & Regulatory Affairs at the American Fintech Council, discusses the vital role of fintech in consumer finance. He emphasizes the need for responsible innovation amid regulatory challenges. Ian highlights the importance of transparency and fairness to build consumer trust, particularly as the industry evolves. He also outlines key policy trends to watch for in 2025 and calls for fintech leaders to engage actively in policy discussions, ensuring the future benefits both innovators and consumers.

Ian P. Moloney, the Head of Policy and Regulatory Affairs at the American Fintech Council, dives into the world of Earned Wage Access (EWA), a service empowering workers to access wages before payday. He discusses the benefits of EWA and the pressing regulatory challenges that accompany its rising popularity. The conversation also highlights the importance of establishing a unified federal regulatory framework, collaborating with organizations to create consistent rules, and the evolving relationship between fintech firms and traditional banks in this innovative landscape.