Banking with Interest
IntraFi
Banking with Interest, a podcast by IntraFi, features in-depth analysis and insight into the policy changes reshaping the banking industry. With insightful interviews and previews of pending policy challenges, the podcast is an essential listen for anyone connected to the financial services industry.
Banking with Interest is hosted by Rob Blackwell, an award-winning former journalist with more than two decades of experience as an expert on financial services policy. He is now Chief Content Officer and Head of External Affairs with IntraFi.
The show is produced by Sam Navarro, senior principal writer at IntraFi. The podcast theme song was written and produced by Stellar Tracks. The information, views, and opinions expressed during Banking With Interest belong solely to Rob Blackwell and his guests and do not represent those of IntraFi LLC, its directors, management, or employees. Any ideas and strategies contained within the podcast are for informational purposes only and do not constitute legal or investment advice.
Banking with Interest is hosted by Rob Blackwell, an award-winning former journalist with more than two decades of experience as an expert on financial services policy. He is now Chief Content Officer and Head of External Affairs with IntraFi.
The show is produced by Sam Navarro, senior principal writer at IntraFi. The podcast theme song was written and produced by Stellar Tracks. The information, views, and opinions expressed during Banking With Interest belong solely to Rob Blackwell and his guests and do not represent those of IntraFi LLC, its directors, management, or employees. Any ideas and strategies contained within the podcast are for informational purposes only and do not constitute legal or investment advice.
Episodes
Mentioned books
Mar 6, 2024 • 36min
“The Most Contentious Fight in Washington Right Now”
Richard Hunt, executive chair of the Electronic Payments Coalition, talks about the battle over Capital One buying Discover, how it connects to the Durbin amendment’s restrictions on debit interchange fees, and why the fight over another Durbin legislative proposal on credit cards is so heated.
Feb 28, 2024 • 34min
How Banks Can Win the Battle for Deposits
Neil Stanley, CEO of the CorePoint, offers strategies and products banks can use to attract and retain deposits in a highly competitive deposit environment.
Feb 21, 2024 • 48min
Esther George on Interest Rate Cuts, CRE, Bank Failures, and Everything in Between
The former Kansas City Fed president talks about the persistence of inflation, when the central bank is likely to lower interest rates, how worried she is about office CRE, the lessons from the failures of three regional banks last year, whether she supports a central bank digital currency, and the future of community banks.
Feb 13, 2024 • 24min
Are We Headed for Another Regional Bank Crisis?
After a prominent regional bank slashed its dividend amid unexpected losses related to office commercial real estate loans, some in the media are raising fears that another round of failures could be in the offing. Jaret Seiberg, managing director of Cowen’s Washington Research Group, details what happened, how regulators are responding, and whether it’s a sign of more trouble or a one-off event.
Feb 6, 2024 • 25min
Why the War Over "Junk" Fees Has Heated Up
Kate Berry, who covers the CFPB for American Banker, goes behind the scenes on the consumer agency’s latest proposals to limit overdraft fees and institute new limits around nonsufficient funds transactions.
Jan 30, 2024 • 19min
Bank M&A was “miserable” in 2023. Will this year be even worse?
Naomi Snyder, Editor-in-Chief of Bank Director, discusses why the bank M&A market was so bad in 2023 and the obstacles faced, including asset quality, pricing expectations, lack of suitable targets, cultural integration, and regulatory approval challenges. The chapter also explores the potential changes and proposals in bank M&A, such as dropping a 1996 OCC rule and collaboration with other agencies to assess competition in the industry.
Jan 23, 2024 • 33min
The “Existential” CFPB Plan Banks Should Care About
John Pitts, head of policy for Plaid, argues a new CFPB open-data proposal could transform the financial services industry. He says bankers, many of whom are skeptical of the plan, could see significant opportunities, including a greater ability to attract new customers.
Jan 17, 2024 • 33min
Would Banks Win a Lawsuit Against the Basel III Capital Plan?
Greg Baer, CEO of the Bank Policy Institute, discusses the ongoing battle between big banks and regulators over the Basel III capital plan. He highlights the concerns about the lack of data and analysis in the proposal. The chapter also mentions the potential outcomes of the plan and the likelihood of substantial changes by regulators. The discussion analyzes the missing points in the debate and the industry's reaction. It also speculates on the successor to Patrick McHenry as the top Republican on the House Financial Services Committee.
Dec 12, 2023 • 41min
The Road Ahead for Community Banks in 2024
Derek Williams, chairman of ICBA and President and CEO of Century Bank & Trust in Milledgeville, Georgia, talks about the challenges and opportunities for community banks as they head into a new year, including how he sees economic issues and policy debates playing out.
Dec 5, 2023 • 36min
Attack of the (Voice) Clones: The Perils of AI for Banks
As AI becomes more prevalent, what are the risks to banks and consumers, particularly as software can now allow fraudsters to imitate a person's voice? Emily Flitter, reporter for the New York Times, talks about the growing threat from AI on financial security, how it is already changing lending and what policymakers can do to address it.
