Sean Tuffy, a regulatory consultant specializing in the SEC and CFTC, joins the discussion on the fragmented regulatory landscape of securities and commodities in the U.S. He highlights the historical context of both agencies and advocates for their potential merger to streamline oversight. Tuffy also critiques the current accountability issues in banking regulation and the challenges faced in achieving cohesive crypto legislation. The conversation underscores the urgency for a unified approach in an evolving crypto market.