In this lively discussion, Ashwin Vasan and Kelvin Chen, both former CFPB experts, dive into the challenges of financial regulations and the fight for customer experience in banking. Jesse Mecham, founder of YNAB, emphasizes intentional money management over quick fintech solutions. Lastly, Ryan Caldwell, CEO of MX, passionately shares how company culture drives success, urging leaders to foster a positive environment. Together, they unravel the intricacies of modern finance while advocating for transparency, innovation, and empowerment.

Kelvin Chen, Senior Executive VP and Head of Policy at the Consumer Bankers Association, shares insights from his extensive experience in regulatory affairs. He discusses the evolving landscape of consumer banking and the Credit Card Confidence Campaign aimed at enhancing consumer understanding. Chen highlights the impact of tech advancements like AI in banking regulations, the need for cohesive federal guidelines, and the importance of communication between regulators and the industry to ensure consumer protection.