Brandon Milhorn, President and CEO of the Conference of State Bank Supervisors, joins RegFi co-hosts Sherry Safchuk and Jerry Buckley to share his perspective on the challenges facing community banks and the role of responsible regulation in fostering innovation and maintaining consumer confidence. The conversation explores the impact of AI on financial services, the benefits of standard-setting organizations to streamline third-party partnerships, and the need for accountability and deference in regulatory actions. Links: Conference of State Bank Supervisors (CSBS) Orrick Financial & Fintech Advisory RegFiPodcast.com

The Majority Group Partner Anne Canfield joins Sasha Leonhardt and Jerry Buckley to explore legislative changes that could facilitate digital mortgages and cut thousands of dollars from the cost of mortgage origination. Anne, a long time Washington insider, also shares her perspective on potential legislative and regulatory developments to anticipate over the next few months. Links: The Majority Group Orrick Financial & Fintech Advisory RegFiPodcast.com

Hosts Jerry Buckley and Sherry Safchuk sit down with Susan Milazzo, the CEO of the California Mortgage Bankers Association (CMBA), to discuss the current state and future of mortgage banking in California. As the voice of the mortgage banking industry in California, Susan offers a unique perspective on the challenges and opportunities facing mortgage bankers in the state. Links: California MBA Orrick Financial & Fintech Advisory RegFiPodcast.com

Orrick Partner John Coleman joins the RegFi podcast for a conversation about what lies ahead for the CFPB’s finalized 1033 rule, including uncertainties created by litigation challenges, election results and the need for additional policy guidance and technical standards. The discussion also highlights key changes from the proposed rule, including extended compliance deadlines, threshold exemptions for smaller depository institutions, secondary use of consumer data and the role of standard-setting organizations (SSOs). Additional 1033 Coverage: The CFPB’s Final Rule on Personal Financial Data Rights: What Financial Institutions Should Know (Orrick Insight) RegFi Ep. 22: Data Sharing and the 1033 Rule: An Industry Perspective with Ramon Gomez RegFi Ep. 5: The CFPB’s 1033 Rule in a Nutshell Links: Orrick Financial & Fintech Advisory RegFiPodcast.com

Alex Acree, Chief Legal Officer at Unit, joins RegFi co-hosts Jerry Buckley and Caroline Stapleton to explore the role that a financial services infrastructure company can play in the evolving delivery of financial services to consumers and businesses, strategies for innovative financial services startups to secure capital, and regulatory developments and challenges facing fintechs and banking-as-a-service providers. Links: Unit Finance Orrick Financial & Fintech Advisory RegFiPodcast.com

David Birch, an internationally recognized thought leader in digital identity and digital money, joins RegFi co-hosts Jerry Buckley and Caroline Stapleton to discuss the evolution of financial services in the metaverse, the role AI and bots will play in managing consumer finances, and what the future holds for digital currencies. Links: DGW Birch Website (dgwbirch.com) Brian Armstrong, Bots and Bank Accounts. Non-Human Customers Are Here (Forbes) Orrick Financial & Fintech Advisory RegFiPodcast.com

RegFi co-hosts Jerry Buckley and Sherry Safchuk are joined by Kelvin Chen, Senior Executive Vice President and Head of Policy at the Consumer Bankers Association, to discuss the rapidly evolving business and regulatory environment in which consumer bankers are operating and the initiatives CBA has underway to enhance consumers' understanding and experience. Links: Consumer Bankers Association CBA “Credit Card Confidence” Orrick Financial & Fintech Advisory RegFiPodcast.com

NYU economics professor Larry White joins RegFi co-hosts Jerry Buckley and Caroline Stapleton to discuss a range of current issues facing the financial services industry. Professor White provides data on the significant holdings of commercial real estate loans in the portfolios of community and mid-size banks and discusses the near- and mid-term challenges these are likely to present. He then turns to a consideration of monetary policy and the Fed’s delicate balancing act in timing a pivot from a restrictive to less restrictive stance as it tries to wrestle the inflation rate down to two percent. Finally, the conversation examines the increasing role that AI and large language models will play in the operations of financial services firms and the potential for fraudsters and others who weaponize AI for malicious purposes to erode trust in the financial system. Links: Acting Comptroller Hsu Discusses AI and Financial Stability (OCC) Orrick Financial & Fintech Advisory RegFiPodcast.com

RegFi hosts Jerry Buckley and Sasha Leonhardt welcome Tom Brown, Partner and General Counsel at Nyca Partners, a venture capital firm specializing in fintechs. Tom provides a critical analysis of the current financial services regulatory environment and offers an insider’s perspective on other pressing issues and opportunities in the fintech marketplace. The discussion explores the regulatory challenges fintech companies face today, particularly the fragmented state-by-state regulatory framework in the U.S. Tom advocates for a more unified, passporting regime similar to Europe, which could streamline operations and foster innovation. The conversation also touches on the complexities of navigating banking partnerships, the potential for a more principle-based regulatory approach, and policy considerations surrounding the adoption of a U.S. digital currency. Links: Nyca Partners Orrick Financial & Fintech Advisory RegFiPodcast.com

Kabir Kumar, partner at Flourish Ventures, joins RegFi co-hosts Jerry Buckley and Sasha Leonhardt to explore the fundamental role of technology in expanding access to fair and stable financial systems. Kabir explains how “fair finance principles” and a thesis-based investment strategy guided Flourish’s growth from a team within the Omidyar Network into an $850 million fund promoting global financial inclusion through strategic fintech investments. He shares insights on the technology trends helping to strengthen financial ecosystems and develop emerging markets, including generative AI tooling to enhance data enrichment, fraud prevention, and regulatory compliance. Links: Flourish Ventures Omidyar Network Orrick Financial & Fintech Advisory RegFiPodcast.com