Fintech Takes

Alex Johnson
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Aug 14, 2025 • 1h 6min

Fintech Takes x FairPlay Presents Model Citizens: AI Compliance for Banks and Fintech Lenders Title: E6: Crystal Ball – The Future of Financial Regulation

Tom Brown, a seasoned lawyer and investor, and PR Stark, Director of Machine Learning Research at FinRegLab, dive into the intriguing future of AI in finance. They discuss the transformative potential of agentic AI—systems that not only analyze but also make decisions. The conversation explores how AI can reshape customer loyalty, re-evaluate compliance roles, and why traditional banks may be surprisingly prepared. They highlight both opportunities and risks, emphasizing the need for innovative regulatory frameworks to ensure consumer protection in this rapidly evolving landscape.
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Aug 13, 2025 • 50min

Why Is This Happening? The CFPB’s 14-Year Culture War

Dive into the tumultuous history and ongoing culture war surrounding the Consumer Financial Protection Bureau. Explore fascinating anecdotes, like cockroach-infested offices and chainsaw-wielding regulators. Gain insights from former staffers about the agency's struggles against governmental overreach. Discover fresh updates on recent CFPB actions and their implications for the future. This engaging exploration sheds light on the vital role of consumer protection in financial markets while providing a captivating narrative throughout.
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Aug 12, 2025 • 55min

Fintech Takes x FairPlay Presents Model Citizens: AI Compliance for Banks and Fintech Lenders Title: Episode 5: AI Agents in Financial Services: What Happens When Robots Make the Calls?

Guest Alex O’Rourke is a fintech advisor, lawyer, and AI cofounder who aids in understanding AI's roles. Joining him is Jay Budzik, Senior VP at Fifth Third Bank and an expert in applying AI in finance. They dive deep into agentic AI, discussing its potential to redefine customer interactions and loyalty by acting autonomously. The conversation highlights risks like compliance issues and ethical concerns, emphasizing the need for human oversight. It’s a fascinating exploration of how AI could reshape financial services for both businesses and consumers.
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11 snips
Aug 11, 2025 • 51min

Fintech Takes x FairPlay Presents Model Citizens: Ep 4: Customer Acquisition in the Age of AI

Alana Levine, Chief Revenue Officer at Fintel Connect and a seasoned growth marketer, joins to unpack how AI is transforming customer acquisition. She discusses the power of AI in pinpointing target customers with unprecedented precision while navigating the thin line of personalized marketing and privacy. The conversation also dives into the rise of ‘no click’ discovery and its impact on tracking, alongside the vital need for compliance in marketing strategies to foster trust in an AI-centric consumer landscape.
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8 snips
Aug 6, 2025 • 1h 4min

Not Fintech Investment Advice: Alix, Narrative, Ogment AI, & SOLO

In this intriguing discussion, Simon Taylor, author of Fintech Brain Food and a fintech expert, delves into innovative solutions reshaping the industry. He introduces Alix, a service easing estate settlements, blending AI with human support. The conversation shifts to Narrative, an AI startup streamlining consumer complaint resolution. Finally, they explore Ogment AI's vision for agentic commerce, aiming to empower merchants in the era of large language models while tackling the challenge of brand representation. It's a blend of compassion, compliance, and cutting-edge tech.
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Jul 31, 2025 • 50min

Fintech Takes x FairPlay Presents Model Citizens Ep 3: Compliance Officers in the Age of AI: Creating Second Line 2.0

Eli Corbett, VP and Deputy General Counsel at Affirm, and Chelsea Keegan, Chief Compliance Officer at Flex, share insights on compliance in fintech amidst the AI revolution. They emphasize that compliance can't simply be a legal afterthought; collaboration is essential among product, engineering, and legal teams. With regulators scrutinizing marketing language and AI-driven compliance evolving, they discuss the importance of nimble tech and cultural understanding over traditional audit methods. They highlight the unique compliance risks fintechs face compared to banks, advocating for proactive governance in this new landscape.
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10 snips
Jul 30, 2025 • 1h 13min

Fintech Recap: Chase vs. Data, Congress vs. Crypto

Explore JPMorgan Chase's bold pricing strategy for open banking API access, raising concerns about the future of fintech and consumer data access. Delve into the passing of the Genius Act, which introduces a federal framework for stablecoins, and its implications for banks and DeFi. The hosts also discuss the ethical issues surrounding prediction markets that bet on personal events, alongside amusing anecdotes from their Washington, D.C. visit, painting a vivid picture of the political context affecting financial innovations.
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Jul 29, 2025 • 50min

Fintech Takes x FairPlay Presents Model Citizens Ep 2: Credit Risk Analytics in the Age of AI

Kareem Saleh, founder of FairPlay, teams up with Kevin Moss, a former Chief Risk Officer, and Andrada Pacheco, Chief Data Scientist at VantageScore. They delve into the evolving landscape of credit risk analytics powered by AI. The trio discusses the balance between enhancing predictive accuracy and maintaining transparency in credit models. They highlight the importance of using traditional and AI methods, while stressing that existing language models aren't ready for credit decisions yet. Fairness remains pivotal as regulatory scrutiny grows.
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8 snips
Jul 28, 2025 • 49min

Fintech Takes x FairPlay Presents Model Citizens: Into the CFPB Void: Regulatory Free-for-All in Financial Services

Join David Silberman, former CFPB Associate Director, Abby Hogan from FairPlay, and CEO Kareem Saleh as they dive into the challenges of the current financial regulatory landscape. They discuss the implications of a weakened CFPB and the rising influence of state regulators. Explore how a complex patchwork of compliance is developing, why 50-state rules can be a costly burden, and the potential for rebuilding the CFPB. The conversation highlights the critical need for fairness in lending amidst rapid AI integration in the industry.
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Jul 23, 2025 • 58min

Fintech Takes: Chase Leads, the CFPB Retreats, and There’s Still No Throughline

Evan Weinberger, a Bloomberg Law reporter and bank regulation expert, discusses JPMorgan Chase's controversial decision to charge for access to their open banking APIs. He dives into the impact this move has on fintech, data aggregators, and regulators struggling to keep pace. The conversation touches on the CFPB's recent retreats and its dwindling authority, alongside insights on fair lending and the surprising alliances forming between crypto VCs and retailers. It's a lively exploration of the banking landscape's rapid evolution and regulatory challenges.

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