RegFi Podcast

Agentic AI is moving from theory to real-world deployment in financial services, bringing both extraordinary potential and complex regulatory questions. FinRegLab Founder and CEO Melissa Koide joins Jerry Buckley and Caroline Stapleton to break down what makes agentic AI different from traditional and generative models, where the most compelling use cases are taking shape, and how the technology could reshape consumer financial health, operational risk management, and long-standing regulatory frameworks. Links: FinRegLab Website FinRegLab Report: "The Next Wave Arrives: Agentic AI and Financial Services" Orrick Financial & Fintech Advisory RegFiPodcast.com

Sarah Schaedler, Global Chair of Orrick's Technology Transactions Group, joins RegFi co-hosts Jerry Buckley and Caroline Stapleton to discuss how companies are operationalizing AI amid rapidly evolving technology and policy landscapes. Rather than waiting to see how AI adoption will unfold, companies are moving forward with implementation. This episode offers practical guidance on how parties are allocating responsibility for both the functionality of AI systems and compliance with emerging legal and regulatory requirements. Links: Orrick AI Law Center Orrick Technology Transactions Orrick Financial & Fintech Advisory RegFiPodcast.com

The EU's landmark Data Act took effect on Sept. 12, 2025, reshaping how customer data can be accessed, shared and monetized across the European digital economy. Orrick partners Christian Schröder and Julia Apostle join RegFi co-hosts Jerry Buckley and Sasha Leonhardt to unpack what the law means for global businesses operating in Europe. The group discusses how the Act interacts with the GDPR, new rights for users and third parties, obligations for manufacturers and cloud providers, and the compliance and revenue implications of data-sharing and switching obligations. The conversation also explores the opportunities the Act creates for innovation and competition in the data economy. Links: "The EU Data Act is in Force — What Should Businesses Do?" (Orrick Insight) Orrick Cyber, Privacy & Data Innovation Orrick Financial & Fintech Advisory RegFiPodcast.com

Georgia State law professor Todd Phillips joins RegFi co-hosts Jerry Buckley and Caroline Stapleton to break down the newly enacted GENIUS Act framework for payment stablecoins. The conversation explores whether regulators will curb "yield-evasion," how capital and BSA/AML expectations could apply to secondary-market transfers and why tokenized deposits may offer banks a cleaner path than issuing stablecoins themselves. Links: U.S. Treasury RFI on Payment Stablecoins Orrick Blockchain & Digital Assets Orrick Financial & Fintech Advisory RegFiPodcast.com

Shannon Yavorsky, an Orrick partner and head of the Global Cyber, Privacy & Data Innovation group, dives into the intricacies of California's latest CCPA regulations. She discusses the focus on automated decision-making technology (ADMT) and its implications for financial services, particularly around GLBA carve-outs. The conversation also covers the lack of a broad AI definition, the need for annual cybersecurity audits, and the phased compliance timeline set until 2030. Yavorsky offers insights on whether California's model will influence other states in regulating AI technology.

The Mortgage Bankers Association's Justin Wiseman, George Rogers and Rachel Kelley join RegFi co-hosts Jerry Buckley and Sasha Leonhardt to discuss the Homebuyers Privacy Protection Act (HPPA) — a targeted FCRA amendment aimed at curbing "trigger leads" generated from mortgage credit inquiries. The conversation explores the bipartisan legislation's origin and path through Congress, how targeted exemptions balance consumer protection and competition, and what lenders, servicers, consumer reporting agencies and resellers can do to prepare ahead of the March 4, 2026, effective date. Links: Mortgage Bankers Association Orrick Financial & Fintech Advisory RegFiPodcast.com

Fraud and scams are costing Americans an estimated $400 million every day, threatening household financial security and fueling transnational crime. Kate Griffin and Nick Bourke join RegFi co-hosts Jerry Buckley and Sherry Safchuk to discuss the work of the Aspen Institute's National Task Force on Fraud and Scam Prevention. The conversation examines the scale and sophistication of today's scams, the whole-of-ecosystem approach needed to disrupt them and the Task Force's forthcoming recommendations for government, financial institutions, tech platforms and consumers. Links: Aspen Institute National Task Force on Fraud and Scam Prevention United Against Fraud: How America Will Defeat Scams (Virtual Event, Oct. 1, 2025) Orrick Financial & Fintech Advisory RegFiPodcast.com

Mona Elliot and Sam Canavos of Patomak Global Partners join RegFi co-hosts Jerry Buckley and Sherry Safchuk to discuss the newly enacted GENIUS Act, its goals and implications for the stablecoin market. The conversation explores how regulations implementing the Act will evolve, including federal and state chartering authority, reserve and compliance requirements, and potential use cases that will shape the next phase of the stablecoin market. Links: Patomak Global Partners Orrick Financial & Fintech Advisory RegFiPodcast.com

Liz Facemire and Gabriel Acosta from the Mortgage Bankers Association share insights on how AI is transforming the mortgage banking industry. They discuss the blend of traditional underwriting with emergent AI technologies and the critical role of human oversight. Key consumer protections such as the Fair Credit Reporting Act and the Equal Credit Opportunity Act are explored, alongside the influence of state-level AI legislation. The duo emphasizes the need for transparency in AI decision-making and the importance of adapting regulations to keep pace with technological advancements.

In our continuing coverage of the EU Artificial Intelligence Act, co-hosts Jerry Buckley and Caroline Stapleton are joined by Orrick partners Shannon Yavorsky and Julia Apostle. The conversation explores how companies can navigate emerging AI compliance requirements in both the European Union and the United States, including assessing risk, mapping AI systems and developing scalable governance frameworks. Since recording this episode, implementation of the EU AI Act has proceeded apace, with the EU Commission releasing its final guidance for developers of general-purpose AI models (GPAIM) and the Code of Practice undergoing its final approval process before the GPAIM obligations take effect on August 2. Links: EU guidelines for providers of general-purpose AI models EU General-Purpose AI (GPAI) Code of Practice Orrick AI Law Center Orrick Cyber, Privacy & Data Innovation Orrick Financial & Fintech Advisory RegFiPodcast.com