Podcasts about consumer financial protection

In the wake of the financial crisis of 2008, Congress established the Consumer Financial Protection Bureau, the CFPB. It protects Americans from predatory practices by consumer finance companies. The CFPB enforces federal laws and investigates fraud and abuse. It has sent over 6.8 million complaints to companies for resolution so far. The bureau has been targeted for massive cuts by the new administration which, thus far, have been blocked by a federal judge. Mallory SoRelle, a consumer finance expert and author of Democracy Declined: the Failed Politics of Consumer Financial Protection, talks with Manoj Mohanan, interim Dean of Duke's Sanford School of Public Policy, about the CFPB and what dismantling it could mean for Americans. Read show notes/transcript

Christine Chen Zinner, consumer policy counsel at Americans for Financial Reform.

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On February 7, billionaire Elon Musk posted a message on his social media platform X: “CFPB RIP,” along with a tombstone emoji.In the days that followed, the workings of the government's financial industry watchdog created in the aftermath of the 2008 financial crisis essentially ground to a halt. More than a hundred and fifty employees were let go, with more layoffs expected. Donald Trump has explicitly said he wants to get rid of the agency. And when you try to access the CFPB's website, you get an error message. So, can the Trump administration actually kill the CFPB? Mallory SoRelle says no. SoRelle is an assistant professor of public policy at Duke University and author of “Democracy Declined: The Failed Politics of Consumer Financial Protection.” She explains that only Congress can shutter the agency. But, she adds, the actions the Trump administration have taken so far are “fundamentally shifting the playing field in favor of the financial industry and away from consumer protection.”SoRelle joins Diane on this week's episode of On My Mind to talk about the history of the Consumer Financial Protection Bureau and what would happen if it went away. 

Welcome back to the podcast! In today's must-listen episode, Chantel got to speak with Martin Sher   Martin Sher, a Birmingham, Ala. businessman has been named the 2010-2011 president of ACA International, the association of credit and collection professionals. Sher, co-owner with his brother David of AmSher Receivables Management, assumed the president's gavel in July at the ACA International Convention in Washington D.C.   As president, Sher will lead an organization of 5,000 members in 65 countries world wide during a critical time in ACA's history. “The creation of the new Bureau of Consumer Financial Protection, potential reform of the Fair Debt Collection Practices Act, proposed restrictions regarding communicating with cell phones, and states considering new laws demand ACA's active collaboration in finding an appropriate balance between a critically important industry to the world economy and appropriate levels of consumer protection,” he said.   Enjoy!   Upgraded Formulas: https://www.upgradedformulas.com/collections/featured-products?rfsn=5797728.596684&utm_source=refersion&utm_medium=affiliate&utm_campaign=5797728.596684 Use Coupon Code: CHANTELRAY   Heart and Soil: Website: http://chantelrayway.com/liver  Use Coupon Code: chantelray   Today's Episode Is Sponsored By BiOptimizers Masszymes: http://masszymes.com/waistawayfree    Use code waistaway10 for a special discount!   Today's Episode Is Sponsored By BiOptimizers Magnesium Breakthrough: Visit https://magbreakthrough.com/waistaway and enter code waistaway for 10% off any order. https://magbreakthrough.com/rf_special?rfsn=7678975.73fd57&utm_source=refersion&utm_medium=affiliate&utm_campaign=7678975.73fd57     Masszymes - https://bioptimizers.com/shop/products/masszymes?rfsn=7678975.73fd57&utm_source=refersion&utm_medium=affiliate&utm_campaign=7678975.73fd57   HCL (Hydrochloric Acid) - https://bioptimizers.com/shop/products/hcl-breakthrough?rfsn=7678975.73fd57&utm_source=refersion&utm_medium=affiliate&utm_campaign=7678975.73fd57     Sleep Breakthrough - https://bioptimizers.com/shop/products/sleep-breakthrough?rfsn=7678975.73fd57&utm_source=refersion&utm_medium=affiliate&utm_campaign=7678975.73fd57    Join Our Non-Toxic Family MasterClass: Website: https://nontoxicfamily.com/masterclass/ Join Our Facebook Group: https://www.facebook.com/groups/TheChantelRayWay/   Order One Meal And A Tasting: https://chantelrayway.com/onemeal/    Order All The Books: Waist Away: The Chantel Ray Way - 2nd Edition:  https://www.amazon.com/gp/product/0999823116/ref=dbs_a_def_rwt_hsch_vapi_tpbk_p1_i0    Fasting to Freedom: The Gift of Fasting: https://www.amazon.com/Fasting-Freedom-Gift-Chantel-Ray/dp/0999823132/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=&sr=    Freedom From Food: A Six Week Bible Study Course: https://www.amazon.com/Freedom-Food-Bible-Study-Course/dp/0999823159/ref=pd_bxgy_img_3/135-7722513-4171815?_encoding=UTF8&pd_rd_i=0999823159&pd_rd_r=91d59435-2126-4f9d-867e-00646964e3e4&pd_rd_w=mg3U0&pd_rd_wg=FcVwL&pf_rd_p=fd3ebcd0-c1a2-44cf-aba2-bbf4810b3732&pf_rd_r=NWM3687GJSRKKQ4BYQP4&psc=1&refRID=NWM3687GJSRKKQ4BYQP4    Connect With Us:   Leave us a review: https://chantelrayway.com/review/    Share YOUR Story: https://chantelrayway.com/contact/   Contact directly through email at questions@chantelrayway.com    Enjoy refreshing, all-natural wine: https://chantelrayway.com/wine/   Listen to the new audiobook as a podcast HERE: https://chantelrayway.com/purchase-audio-book/   Free Video Preview: https://chantelrayway.com/top-12-thin-eater-tips-free-video/   Check out the VIDEO COURSE here: https://chantelrayway.com/video-course/   Purchase on Amazon Here: https://www.amazon.com/shop/intermittentfastingthechantelrayway   Strengthen your immune system with Vitamin C: https://chantelrayway.com/vitaminc/    Enjoy a FREE smoothie recipe book: https://chantelrayway.com/freerecipe/   Re-energize with nutritious algae Energybits: https://chantelrayway.com/energybits    Castor Oil: https://chantelrayway.com/castoroil   Connect with us on Social Media:   YouTube Channel Link: https://www.youtube.com/channel/UCteFjiVaY6n0SOAixcyZbWA   Like us on Facebook at https://www.facebook.com/TheChantelRayWay       Things we love: https://chantelrayway.com/things-i-love-2/   Facebook group: https://www.facebook.com/groups/TheChantelRayWay   ***As always, this podcast is not designed to diagnose, treat, prevent or cure any condition and is for information purposes only. Please consult with your healthcare professional before making any changes to your current lifestyle.***

Mike Cardoza is a longtime client and friend of Foster Web Marketing. He is a unique lawyer—a California consumer financial protection attorney—who helps people regain control of their financial lives by getting the upper hand on creditors, debt collectors, and credit reporting agencies. He is also a former senior executive of a debt-buying company, a debt-collection agency, and a major regional high-volume debt-collection law firm. He now brings his experience and skill to exclusively help consumers, and he has truly created an excellent law firm. Trained as a trial attorney in the U.S. Marine Corps, Mike Cardoza has tried countless cases in federal and state courtrooms. As a veteran of the war in Iraq, and following additional assignments overseas and in the courtroom, he has now retired from the U.S. Marine Corps Reserves as a colonel and continues in his legal career. Here's a Glimpse of What You'll Learn 0:00 Introduction 3:45 Military Experience 7:38 Marketing Military Service 9:45 Mike's Career Path 12:40 A Military Lawyer's Role 14:05 Leaving the Service 14:46 Challenges Transitioning to Civilian Life 18:14 Military Versus Legal Training 21:16 Positives of Mike's Practice 23:40 Career Advice for Vets 26:43 Pitfalls & Setbacks 29:10 What Lawyers Should Avoid 30:40 A Veteran's Perspective 32:11 Importance of Military Experience 34:30 Learning to Be a Marketer 38:10 Paying Attention to Your Marketing 41:43 Finding Your Niche 46:31 Overqualified as a Civilian 48:58 Mentoring Lawyers 50:36 Building Something That Lasts 52:14 Hire People Who Are Smarter Than You! 53:55 Closing Thoughts Mike is the author of The Secret World of Debt Collection: Beat Collectors at Their Own Game and is a regularly featured speaker and commentator on consumers' rights and credit reporting. Mike founded The Cardoza Law Corporation to share the truth about consumer credit and finance with clients and be their “partner in prosperity.” If you are going through the hardships of financial instability due to debt collectors and creditors, be sure to contact The Cardoza Law Corporation today! Speakers Featured in This Episode - Tom Foster of Foster Web Marketing- Mike Cardoza of The Cardoza Law Corporation This episode is brought to you by Foster Web Marketing. Foster Web Marketing is dedicated to providing cutting-edge, highly customizable marketing and strategic solutions specifically designed for law firms and medical practices. Our award-winning marketing and systems solutions are what set us apart from everyone else.  

Thank you so much for listening to the Bob Harden Show, celebrating over 12 years broadcasting on the internet! On Tuesday's show, we visit with State Senate President Kathleen Passidomo about the accomplishments of last week's Special Legislative Session. President of Less Government Seton Motley and I discuss the unconstitutionality of the Consumer Financial Protection … The post Saudi Arabia’s Real Estate Development: Moen appeared first on Bob Harden Show.

We discuss recent and ongoing enforcement activity of the PA AG involving consumer financial services. Our conversation focuses on activity directed at: Auto title lenders for alleged violations of PA usury law; national banks for alleged CARD Act violations; furniture retailers for alleged “hang tag” law violations; home sellers for alleged violations of mortgage laws arising from the use of contracts for deed; and phone scams. Alan Kaplinsky, Ballard Spahr Senior Counsel, hosts the conversation.

Do you have excessive debts with no idea how you will pay them off? Are you being pursued by your creditors, receiving aggressive phone calls from debt collectors, and letters threatening court action? Hear it Here - https://bit.ly/crushdebtnow Fifteen percent of Americans said that they had been pursued by a debt collector, according to a report by the Consumer Financial Protection bureau in 2017. Only one in four of these attended the court hearing. In all the other cases, it is almost certain the collectors will have benefited from default decisions in their favor. A judgment that would allow the debt collector to garnish wages or sequester other assets. If any of these situations apply to you, this book provides the solutions. Using the three-step negotiating strategy in this book is a proven approach for drastic debt reductions for people of all different backgrounds and income levels. ©2020 Platinum Edge Media Ltd (P)2020 Platinum Edge Media Ltd

Mallory SoRelle joins the Democracy Paradox to discuss the politics of consumer credit. She is an assistant professor of public policy at Duke University. She is the author of Democracy Declined: The Failed Politics of Consumer Financial Protection.A full transcript is available at www.democracyparadox.com.Key Highlights IncludeHow the American economy depends on creditA brief history of consumer credit in AmericaDetails why consumer debt is a systemic problemWhy financial consumers do not politically mobilizeExplains how public policy shapes political behaviorAdditional InformationDemocracy Paradox PodcastMore shows from The Democracy GroupDemocracy Declined: The Failed Politics of Consumer Financial Protection by Mallory SoRelleLearn more about Mallory SoRelleConsumer Financial Protection Bureau

Americans are expected to take on debt, because that's how we're expected to finance everything from basic needs to a college education. And that's a function of economic policy making. That doesn't happen by accident.Mallory SoRelleA full transcript is available at www.democracyparadox.com.Mallory SoRelle is an assistant professor of public policy at Duke University and the author of Democracy Declined: The Failed Politics of Consumer Financial Protection.Key Highlights IncludeHow the American economy depends on creditA brief history of consumer credit in AmericaDetails why consumer debt is a systemic problemWhy financial consumers do not politically mobilize Explains how public policy shapes political behaviorKey LinksDemocracy Declined: The Failed Politics of Consumer Financial Protection by Mallory SoRelleLearn more about Mallory SoRelleConsumer Financial Protection BureauRelated ContentSheryl WuDunn Paints a Picture of Poverty in America and Offers Hope for SolutionsJacob Hacker and Paul Pierson on the Plutocratic Populism of the Republican PartyMore from the PodcastMore InformationDemocracy GroupApes of the State created all MusicEmail the show at democracyparadoxblog@gmail.comFollow me on Twitter @DemParadox100 Books on Democracy

Americans rely on credit to provide for their food, clothing, shelter, transportation, and other daily necessities and the 2008 financial crisis demonstrated how they relied on private financial institutions that encouraged risky lending practices. Yet federal policy makers did little to change their approach to curbing risky lending practices and there was little political response from consumers or consumer groups. How can political scientists explain the behavior of government actors, interest groups, or borrowers?  In Democracy Declined: The Failed Politics of Consumer Financial Protection (U Chicago Press, 2020), Dr. SoRelle insists that the expansion of consumer financing -- in terms of access and economic significance -- is fundamentally a political issue with serious political and economic consequences. She offers a policy-centered explanation sensitive to what she calls regulatory feedback effects that shape the behavior of bureaucrats, consumer advocates, and ordinary Americans. Individuals did not fail – they responded to systemic incentives and goals. SoRelle explains how angry borrowers' experiences with nearly invisible government policies teach them to focus their attention primarily on banks and lenders instead of demanding that lawmakers address predatory behavior. As a result, advocacy groups have been mostly unsuccessful in mobilizing borrowers in support of stronger consumer financial protections. The absence of safeguards on consumer financing is particularly dangerous because the consequences extend well beyond harm to individuals--they threaten the stability of entire economies. In addition to explaining the political dynamics of failure, SoRelle identifies possible remedies. This multi-method scholarship contributes to our understanding of policy feedback in an important and timely case study. Dr. Mallory E. SoRelle is an assistant professor at the Sanford School of Public Policy at Duke University. Her research interrogates how public policies are produced by, and how they reproduce, socioeconomic and political inequality in the United States. She has worked in both electoral politics and consumer advocacy. The podcast drops the week of the 10th anniversary of the Consumer Financial Protection Bureau. Susan Liebell is an associate professor of political science at Saint Joseph's University in Philadelphia. Why Diehard Originalists Aren't Really Originalists appeared in the Washington Post's Monkey Cage and “Sensitive Places: Originalism, Gender, and the Myth Self-Defense in District of Columbia v. Heller” can be found in July 2021's Polity. Email her comments at sliebell@sju.edu or tweet to @SusanLiebell. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/book-of-the-day

Americans rely on credit to provide for their food, clothing, shelter, transportation, and other daily necessities and the 2008 financial crisis demonstrated how they relied on private financial institutions that encouraged risky lending practices. Yet federal policy makers did little to change their approach to curbing risky lending practices and there was little political response from consumers or consumer groups. How can political scientists explain the behavior of government actors, interest groups, or borrowers?  In Democracy Declined: The Failed Politics of Consumer Financial Protection (U Chicago Press, 2020), Dr. SoRelle insists that the expansion of consumer financing -- in terms of access and economic significance -- is fundamentally a political issue with serious political and economic consequences. She offers a policy-centered explanation sensitive to what she calls regulatory feedback effects that shape the behavior of bureaucrats, consumer advocates, and ordinary Americans. Individuals did not fail – they responded to systemic incentives and goals. SoRelle explains how angry borrowers' experiences with nearly invisible government policies teach them to focus their attention primarily on banks and lenders instead of demanding that lawmakers address predatory behavior. As a result, advocacy groups have been mostly unsuccessful in mobilizing borrowers in support of stronger consumer financial protections. The absence of safeguards on consumer financing is particularly dangerous because the consequences extend well beyond harm to individuals--they threaten the stability of entire economies. In addition to explaining the political dynamics of failure, SoRelle identifies possible remedies. This multi-method scholarship contributes to our understanding of policy feedback in an important and timely case study. Dr. Mallory E. SoRelle is an assistant professor at the Sanford School of Public Policy at Duke University. Her research interrogates how public policies are produced by, and how they reproduce, socioeconomic and political inequality in the United States. She has worked in both electoral politics and consumer advocacy. The podcast drops the week of the 10th anniversary of the Consumer Financial Protection Bureau. Susan Liebell is an associate professor of political science at Saint Joseph's University in Philadelphia. Why Diehard Originalists Aren't Really Originalists appeared in the Washington Post's Monkey Cage and “Sensitive Places: Originalism, Gender, and the Myth Self-Defense in District of Columbia v. Heller” can be found in July 2021's Polity. Email her comments at sliebell@sju.edu or tweet to @SusanLiebell. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Americans rely on credit to provide for their food, clothing, shelter, transportation, and other daily necessities and the 2008 financial crisis demonstrated how they relied on private financial institutions that encouraged risky lending practices. Yet federal policy makers did little to change their approach to curbing risky lending practices and there was little political response from consumers or consumer groups. How can political scientists explain the behavior of government actors, interest groups, or borrowers?  In Democracy Declined: The Failed Politics of Consumer Financial Protection (U Chicago Press, 2020), Dr. SoRelle insists that the expansion of consumer financing -- in terms of access and economic significance -- is fundamentally a political issue with serious political and economic consequences. She offers a policy-centered explanation sensitive to what she calls regulatory feedback effects that shape the behavior of bureaucrats, consumer advocates, and ordinary Americans. Individuals did not fail – they responded to systemic incentives and goals. SoRelle explains how angry borrowers' experiences with nearly invisible government policies teach them to focus their attention primarily on banks and lenders instead of demanding that lawmakers address predatory behavior. As a result, advocacy groups have been mostly unsuccessful in mobilizing borrowers in support of stronger consumer financial protections. The absence of safeguards on consumer financing is particularly dangerous because the consequences extend well beyond harm to individuals--they threaten the stability of entire economies. In addition to explaining the political dynamics of failure, SoRelle identifies possible remedies. This multi-method scholarship contributes to our understanding of policy feedback in an important and timely case study. Dr. Mallory E. SoRelle is an assistant professor at the Sanford School of Public Policy at Duke University. Her research interrogates how public policies are produced by, and how they reproduce, socioeconomic and political inequality in the United States. She has worked in both electoral politics and consumer advocacy. The podcast drops the week of the 10th anniversary of the Consumer Financial Protection Bureau. Susan Liebell is an associate professor of political science at Saint Joseph's University in Philadelphia. Why Diehard Originalists Aren't Really Originalists appeared in the Washington Post's Monkey Cage and “Sensitive Places: Originalism, Gender, and the Myth Self-Defense in District of Columbia v. Heller” can be found in July 2021's Polity. Email her comments at sliebell@sju.edu or tweet to @SusanLiebell. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/american-studies

Americans rely on credit to provide for their food, clothing, shelter, transportation, and other daily necessities and the 2008 financial crisis demonstrated how they relied on private financial institutions that encouraged risky lending practices. Yet federal policy makers did little to change their approach to curbing risky lending practices and there was little political response from consumers or consumer groups. How can political scientists explain the behavior of government actors, interest groups, or borrowers?  In Democracy Declined: The Failed Politics of Consumer Financial Protection (U Chicago Press, 2020), Dr. SoRelle insists that the expansion of consumer financing -- in terms of access and economic significance -- is fundamentally a political issue with serious political and economic consequences. She offers a policy-centered explanation sensitive to what she calls regulatory feedback effects that shape the behavior of bureaucrats, consumer advocates, and ordinary Americans. Individuals did not fail – they responded to systemic incentives and goals. SoRelle explains how angry borrowers' experiences with nearly invisible government policies teach them to focus their attention primarily on banks and lenders instead of demanding that lawmakers address predatory behavior. As a result, advocacy groups have been mostly unsuccessful in mobilizing borrowers in support of stronger consumer financial protections. The absence of safeguards on consumer financing is particularly dangerous because the consequences extend well beyond harm to individuals--they threaten the stability of entire economies. In addition to explaining the political dynamics of failure, SoRelle identifies possible remedies. This multi-method scholarship contributes to our understanding of policy feedback in an important and timely case study. Dr. Mallory E. SoRelle is an assistant professor at the Sanford School of Public Policy at Duke University. Her research interrogates how public policies are produced by, and how they reproduce, socioeconomic and political inequality in the United States. She has worked in both electoral politics and consumer advocacy. The podcast drops the week of the 10th anniversary of the Consumer Financial Protection Bureau. Susan Liebell is an associate professor of political science at Saint Joseph's University in Philadelphia. Why Diehard Originalists Aren't Really Originalists appeared in the Washington Post's Monkey Cage and “Sensitive Places: Originalism, Gender, and the Myth Self-Defense in District of Columbia v. Heller” can be found in July 2021's Polity. Email her comments at sliebell@sju.edu or tweet to @SusanLiebell. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/law

Americans rely on credit to provide for their food, clothing, shelter, transportation, and other daily necessities and the 2008 financial crisis demonstrated how they relied on private financial institutions that encouraged risky lending practices. Yet federal policy makers did little to change their approach to curbing risky lending practices and there was little political response from consumers or consumer groups. How can political scientists explain the behavior of government actors, interest groups, or borrowers?  In Democracy Declined: The Failed Politics of Consumer Financial Protection (U Chicago Press, 2020), Dr. SoRelle insists that the expansion of consumer financing -- in terms of access and economic significance -- is fundamentally a political issue with serious political and economic consequences. She offers a policy-centered explanation sensitive to what she calls regulatory feedback effects that shape the behavior of bureaucrats, consumer advocates, and ordinary Americans. Individuals did not fail – they responded to systemic incentives and goals. SoRelle explains how angry borrowers' experiences with nearly invisible government policies teach them to focus their attention primarily on banks and lenders instead of demanding that lawmakers address predatory behavior. As a result, advocacy groups have been mostly unsuccessful in mobilizing borrowers in support of stronger consumer financial protections. The absence of safeguards on consumer financing is particularly dangerous because the consequences extend well beyond harm to individuals--they threaten the stability of entire economies. In addition to explaining the political dynamics of failure, SoRelle identifies possible remedies. This multi-method scholarship contributes to our understanding of policy feedback in an important and timely case study. Dr. Mallory E. SoRelle is an assistant professor at the Sanford School of Public Policy at Duke University. Her research interrogates how public policies are produced by, and how they reproduce, socioeconomic and political inequality in the United States. She has worked in both electoral politics and consumer advocacy. The podcast drops the week of the 10th anniversary of the Consumer Financial Protection Bureau. Susan Liebell is an associate professor of political science at Saint Joseph's University in Philadelphia. Why Diehard Originalists Aren't Really Originalists appeared in the Washington Post's Monkey Cage and “Sensitive Places: Originalism, Gender, and the Myth Self-Defense in District of Columbia v. Heller” can be found in July 2021's Polity. Email her comments at sliebell@sju.edu or tweet to @SusanLiebell. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/finance

Americans rely on credit to provide for their food, clothing, shelter, transportation, and other daily necessities and the 2008 financial crisis demonstrated how they relied on private financial institutions that encouraged risky lending practices. Yet federal policy makers did little to change their approach to curbing risky lending practices and there was little political response from consumers or consumer groups. How can political scientists explain the behavior of government actors, interest groups, or borrowers?  In Democracy Declined: The Failed Politics of Consumer Financial Protection (U Chicago Press, 2020), Dr. SoRelle insists that the expansion of consumer financing -- in terms of access and economic significance -- is fundamentally a political issue with serious political and economic consequences. She offers a policy-centered explanation sensitive to what she calls regulatory feedback effects that shape the behavior of bureaucrats, consumer advocates, and ordinary Americans. Individuals did not fail – they responded to systemic incentives and goals. SoRelle explains how angry borrowers' experiences with nearly invisible government policies teach them to focus their attention primarily on banks and lenders instead of demanding that lawmakers address predatory behavior. As a result, advocacy groups have been mostly unsuccessful in mobilizing borrowers in support of stronger consumer financial protections. The absence of safeguards on consumer financing is particularly dangerous because the consequences extend well beyond harm to individuals--they threaten the stability of entire economies. In addition to explaining the political dynamics of failure, SoRelle identifies possible remedies. This multi-method scholarship contributes to our understanding of policy feedback in an important and timely case study. Dr. Mallory E. SoRelle is an assistant professor at the Sanford School of Public Policy at Duke University. Her research interrogates how public policies are produced by, and how they reproduce, socioeconomic and political inequality in the United States. She has worked in both electoral politics and consumer advocacy. The podcast drops the week of the 10th anniversary of the Consumer Financial Protection Bureau. Susan Liebell is an associate professor of political science at Saint Joseph's University in Philadelphia. Why Diehard Originalists Aren't Really Originalists appeared in the Washington Post's Monkey Cage and “Sensitive Places: Originalism, Gender, and the Myth Self-Defense in District of Columbia v. Heller” can be found in July 2021's Polity. Email her comments at sliebell@sju.edu or tweet to @SusanLiebell. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/economics

Americans rely on credit to provide for their food, clothing, shelter, transportation, and other daily necessities and the 2008 financial crisis demonstrated how they relied on private financial institutions that encouraged risky lending practices. Yet federal policy makers did little to change their approach to curbing risky lending practices and there was little political response from consumers or consumer groups. How can political scientists explain the behavior of government actors, interest groups, or borrowers?  In Democracy Declined: The Failed Politics of Consumer Financial Protection (U Chicago Press, 2020), Dr. SoRelle insists that the expansion of consumer financing -- in terms of access and economic significance -- is fundamentally a political issue with serious political and economic consequences. She offers a policy-centered explanation sensitive to what she calls regulatory feedback effects that shape the behavior of bureaucrats, consumer advocates, and ordinary Americans. Individuals did not fail – they responded to systemic incentives and goals. SoRelle explains how angry borrowers' experiences with nearly invisible government policies teach them to focus their attention primarily on banks and lenders instead of demanding that lawmakers address predatory behavior. As a result, advocacy groups have been mostly unsuccessful in mobilizing borrowers in support of stronger consumer financial protections. The absence of safeguards on consumer financing is particularly dangerous because the consequences extend well beyond harm to individuals--they threaten the stability of entire economies. In addition to explaining the political dynamics of failure, SoRelle identifies possible remedies. This multi-method scholarship contributes to our understanding of policy feedback in an important and timely case study. Dr. Mallory E. SoRelle is an assistant professor at the Sanford School of Public Policy at Duke University. Her research interrogates how public policies are produced by, and how they reproduce, socioeconomic and political inequality in the United States. She has worked in both electoral politics and consumer advocacy. The podcast drops the week of the 10th anniversary of the Consumer Financial Protection Bureau. Susan Liebell is an associate professor of political science at Saint Joseph's University in Philadelphia. Why Diehard Originalists Aren't Really Originalists appeared in the Washington Post's Monkey Cage and “Sensitive Places: Originalism, Gender, and the Myth Self-Defense in District of Columbia v. Heller” can be found in July 2021's Polity. Email her comments at sliebell@sju.edu or tweet to @SusanLiebell. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/political-science

Americans rely on credit to provide for their food, clothing, shelter, transportation, and other daily necessities and the 2008 financial crisis demonstrated how they relied on private financial institutions that encouraged risky lending practices. Yet federal policy makers did little to change their approach to curbing risky lending practices and there was little political response from consumers or consumer groups. How can political scientists explain the behavior of government actors, interest groups, or borrowers?  In Democracy Declined: The Failed Politics of Consumer Financial Protection (U Chicago Press, 2020), Dr. SoRelle insists that the expansion of consumer financing -- in terms of access and economic significance -- is fundamentally a political issue with serious political and economic consequences. She offers a policy-centered explanation sensitive to what she calls regulatory feedback effects that shape the behavior of bureaucrats, consumer advocates, and ordinary Americans. Individuals did not fail – they responded to systemic incentives and goals. SoRelle explains how angry borrowers' experiences with nearly invisible government policies teach them to focus their attention primarily on banks and lenders instead of demanding that lawmakers address predatory behavior. As a result, advocacy groups have been mostly unsuccessful in mobilizing borrowers in support of stronger consumer financial protections. The absence of safeguards on consumer financing is particularly dangerous because the consequences extend well beyond harm to individuals--they threaten the stability of entire economies. In addition to explaining the political dynamics of failure, SoRelle identifies possible remedies. This multi-method scholarship contributes to our understanding of policy feedback in an important and timely case study. Dr. Mallory E. SoRelle is an assistant professor at the Sanford School of Public Policy at Duke University. Her research interrogates how public policies are produced by, and how they reproduce, socioeconomic and political inequality in the United States. She has worked in both electoral politics and consumer advocacy. The podcast drops the week of the 10th anniversary of the Consumer Financial Protection Bureau. Susan Liebell is an associate professor of political science at Saint Joseph's University in Philadelphia. Why Diehard Originalists Aren't Really Originalists appeared in the Washington Post's Monkey Cage and “Sensitive Places: Originalism, Gender, and the Myth Self-Defense in District of Columbia v. Heller” can be found in July 2021's Polity. Email her comments at sliebell@sju.edu or tweet to @SusanLiebell. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/public-policy

Big banks are no longer the mortgage lenders of choice. Today banks account for only around 30% of mortgages issued because they're usually a ripoff. Clark tells you the best places to look for a mortgage or refinance. // There's been a lot of debate about our digital histories coming back to bite us years or decades later. One woman's story is a lesson for all. Caution your kids about this in ongoing conversations. Ask Clark topics include: How and Why to Refinance Your Mortgage: A Step-By-Step Guide / Best and Worst Home Insurance Companies / Best and Worst Auto Insurance Companies / Bureau of Consumer Financial Protection vs. Progrexion Marketing, Inc - How to Freeze Your Credit With Experian, Equifax and TransUnion / GoodSam Roadside Assistance  -  AAA Membership - Consumer Reports: Buying a Roadside Assistance Plan / Food Delivery Is More Expensive Than It Used to Be - NYTimes: A Pandemic Lifeline for Restaurants, Delivery Is ‘Here to Stay' Want more money advice? Sign up for Clark's free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, HousingWire's Editor in Chief Sarah Wheeler interviews David Dworkin, president, and CEO at National Housing Conference.  In this episode, Dworkin discusses how the NHC thinks about affordable housing and what federal policies will improve Black homeownership. Additionally, Dworkin also addresses a recent decision by the Consumer Financial Protection Bureau to delay the final QM rule and how that might have unintended consequences for some of the consumers the bureau is attempting to help.The Housing News podcast explores the most important topics happening in mortgage, real estate, and fintech. Each week a new mortgage or real estate executive joins the show to add perspective to the top stories crossing HousingWire's news desk. Hosted by Sarah Wheeler and produced by Alcynna Lloyd.

Waiting for the wave of foreclosures to drop Real Estate prices? This BIG change by the Bureau of Consumer Financial Protection has just diverted the tsunami from single-family homes to potentially your 401k.

Erin Scheithe joined the Bureau of Consumer Financial Protection in 2017 as a Content Specialist in the Office for Older Americans. Prior to joining the CFPB, she served as the Vice President of Grassroots at the American Bankers Association and was responsible for encouraging bankers to engage with their members of Congress. She previously worked in AARP’s Education and Outreach department, developing resources on financial security issues for the 50+ population.The majority of Erin’s career has been spent in the field of financial education. She worked for both the American Bankers Association and North Carolina Bankers Association to develop programs to teach children and parents the basics of financial literacy. Erin obtained both a bachelor’s degree in English and a master’s degree in Educational Psychology from the University of Virginia.Follow Knowledgeable Aging:Facebook: https://www.facebook.com/Knowledgeable-Aging-102638398162823Twitter: https://twitter.com/KnowledgeAgingInstagram: https://www.instagram.com/knowledgeableaging/LinkedIn: https://www.linkedin.com/company/knowledgeable-aging/?viewAsMember=trueSpotify: https://open.spotify.com/show/05OHF9FkmhzCO5PDsyGfGqNewsletter: https://www.knowledgeableaging.com/newsletter/

As Elizabeth Warren memorably wrote, “It is impossible to buy a toaster that has a one-in-five chance of bursting into flames and burning down your house. But it is possible to refinance an existing home with a mortgage that has the same one-in-five chance of putting the family out on the street.” That quotation is an apt introduction to Mallory SoRelle's book, Democracy Declined – the Failed Politics of Consumer Financial Protection.  Consumer financial protections are becoming more and more complex and yet the system still requires individuals to sift through fine print to make sure they aren't going to get taken advantage of by predatory lenders. In this episode we'll look at the history of federal policies related to consumer financial protection, and options for how policies might be changed to benefit Americans and our economy. Get show notes, transcript, credits.

Often when people think about the Consumer Financial Protection Bureau (CFPB) they say to themselves, “well, I’m not a bank so that doesn't really apply to me.” But consumer financial protection laws are actually much broader and cover all aspects of consumer financial products, any way that consumers bank, pay, or finance transactions and the financial technology sector more broadly. On this episode of the Ad Law Access Podcast, partner Alysa Hutnik and special counsel Donnelly McDowell discuss consumer financial protection, fintech, financial services, and the consumer protection issues that the CFPB and FTC have broad discretion over. For more information on consumer financial protection and other topics, visit: • Bio Alysa Z. Hutnik - www.kelleydrye.com/Our-People/Alysa-Z-Hutnik • Bio Donnelly McDowell - www.kelleydrye.com/Our-People/Donnelly-L-McDowell • Bio Bill MacLeod - www.kelleydrye.com/Our-People/William-C-MacLeod • Taskforce on Federal Consumer Financial Law Report - www.kelleydrye.com/News-Events/Publications/Articles/Taskforce-on-Federal-Consumer-Financial-Law-Report • Kelley Drye’s Consumer Financial Protection Practice Page - www.kelleydrye.com/Our-Practices/Regulatory-Government-Relations/Consumer-Financial-Protection • Advertising and Privacy Law Resource Center - www.kelleydrye.com/Advertising-and-Privacy-Law-Resource-Center • Ad Law Access Blog - www.adlawaccess.com • Ad Law News and Views Newsletter - www.kelleydrye.com/News-Events/Publications/Newsletters/Ad-Law-News-and-Views?dlg=1 • Kelley Drye’s Advertising and Marketing Practice - www.kelleydrye.com/Our-Practices/Regulatory-Government-Relations/Advertising-Counseling-and-Compliance

Jeff Naimon and Sasha Leonhardt from Buckley LLP break down the likely course of consumer financial regulation under the Biden administration. In this episode they spoke about President Biden's nominee to lead the CFPB, what the Bureau's priorities are likely to be in the short and long-term, and what it's like for financial services firms to have to deal with dramatic swings in consumer financial enforcement and regulation every time the presidency changes hands.

Find out how thousands have become debt-free using these steps. Hear it Here - https://bit.ly/crushdebtnow Do you have excessive debts with no idea how you will pay them off? Are you being pursued by your creditors, receiving aggressive phone calls from debt collectors, and letters threatening court action? Fifteen percent of Americans said that they had been pursued by a debt collector, according to a report by the Consumer Financial Protection bureau in 2017. Only one in four of these attended the court hearing. In all the other cases, it is almost certain the collectors will have benefited from default decisions in their favor. A judgment that would allow the debt collector to garnish wages or sequester other assets. If any of these situations apply to you, this book provides the solutions. Using the three-step negotiating strategy in this book is a proven approach for drastic debt reductions for people of all different backgrounds and income levels. By listening to this book, you will discover: How to negotiate with your creditors - and win What to do if your creditors attempt to sequester your assets or wages What the legal processes are and how to fight or stop the process How to discover if your debt is unsustainable How to save money on all different types of debt, including utilities, taxes, mortgages, rent, vehicle loans, student debt, credit cards, and other loans How and when to use nuclear options of bankruptcy and insolvency When you follow the step-by-step guide for all types of personal debts, then you can expect to save thousands or tens of thousands (of dollars) in repayments. You can crush your outstanding debt and be completely free and become financially solvent within a year. ©2020 Platinum Edge Media Ltd (P)2020 Platinum Edge Media Ltd #ConsumerFinancialProtection #financial #PlatinumEdgeMediaLtd #RussellNewton #NewtonMG #CrushdebtNow #TomCromwell #Finances #PersonalFinances #Budgetting #Bankruptcy #Chapter11

Find out how thousands have become debt-free using these steps. Hear it Here - https://bit.ly/crushdebtnow Do you have excessive debts with no idea how you will pay them off? Are you being pursued by your creditors, receiving aggressive phone calls from debt collectors, and letters threatening court action? Fifteen percent of Americans said that they had been pursued by a debt collector, according to a report by the Consumer Financial Protection bureau in 2017. Only one in four of these attended the court hearing. In all the other cases, it is almost certain the collectors will have benefited from default decisions in their favor. A judgment that would allow the debt collector to garnish wages or sequester other assets. If any of these situations apply to you, this book provides the solutions. Using the three-step negotiating strategy in this book is a proven approach for drastic debt reductions for people of all different backgrounds and income levels. By listening to this book, you will discover: How to negotiate with your creditors - and win What to do if your creditors attempt to sequester your assets or wages What the legal processes are and how to fight or stop the process How to discover if your debt is unsustainable How to save money on all different types of debt, including utilities, taxes, mortgages, rent, vehicle loans, student debt, credit cards, and other loans How and when to use nuclear options of bankruptcy and insolvency When you follow the step-by-step guide for all types of personal debts, then you can expect to save thousands or tens of thousands (of dollars) in repayments. You can crush your outstanding debt and be completely free and become financially solvent within a year. ©2020 Platinum Edge Media Ltd (P)2020 Platinum Edge Media Ltd #ConsumerFinancialProtection #financial #PlatinumEdgeMediaLtd #RussellNewton #NewtonMG #CrushdebtNow #TomCromwell #Finances #PersonalFinances #Budgetting #Bankruptcy #Chapter11

Consumer Financial Protection v. Seila Law LLC

We are joined by Bret Ladine, the DFPI’s General Counsel. We discuss the DFPI’s plans for adding new staff, promoting innovation through the new Financial Technology Innovation Office, providing guidance on CFPL exemptions, and handling complaints. Other topics include the DFPI’s approach to its new authority regarding UDAAPs (which covers small business financing), registration of covered persons, and civil penalties.

Consumer Financial Protection v. RD Legal Funding, LLC

Lobel Corporation entered into a consent order with the CFPB last week requiring it to pay $1,345,224 to car loan borrowers and a civil money penalty of $100,000 for unfair practices related to the Loss Damage Waiver agreement it requires borrowers to agree to.

Wondering about the effectiveness of personal finance education in the classroom? Did you know that there is good and bad student debt? My recent conversation with Carly Urban is full of informative findings and practical advice. Carly is an Associate Professor of Economics at Montana State University and a Visiting Scholar with The Office of Financial Education at The Bureau of Consumer Financial Protection. She is also an affiliate of The Center for Financial Security at The University of Wisconsin-Madison. Carly completed her Ph.D. in Economics at UW-Madison, and she holds a B.A. in Economics and International Affairs from The George Washington University. Her work, largely focusing on the causal effects of financial education on behavior, has been published in top economics and inter-disciplinary peer-reviewed journals as well as featured in prominent media outlets, including Bloomberg News, CNN Money, Market Watch, The New York Times and TIME.

The Bureau of Consumer Financial Protection has a new leader with a five-year contract! Kathy Kraninger – the recently confirmed BCFP director – is expected to face many tough decisions in the next few years, including some that could impact your ability to effectively operate an accounts receivable management industry company.In episode seven of ACA Cast, industry veteran Jay Gonsalves moderates an informative discussion about the new leadership with ARM experts Lauren Valenzuela, compliance counsel at Performant Recovery Inc., and Anthony DiResta, partner with Holland and Knight. Gonsalves, IFCCE, MCE, president of Action Collection Agencies Inc., in Middleboro, Mass., also serves as chairman of ACA International’s federal affairs committee and is a former ACA president and board member. Support the show (http://www.acainternational.org)

The Trump Administration has made clear that it is engaged in a regulatory reform effort. One stated goal of that effort is to ensure that administrative enforcement actions rely on legally binding authority such as laws and regulations and that enforcement actions are not brought for “violations” of non-binding materials such as guidance or staff views. The Department of Justice, which is the prime litigating authority for the federal government, has issued statements disclaiming department or agency guidance as legally binding authority. More recently, independent agencies, including the Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the Bureau of Consumer Financial Protection issued an interagency statement stating that “guidance does not have the force and effect of law, and the agencies do not take enforcement actions based on supervisory guidance." And, most recently, the Chairman of the Securities and Exchange Commission stated that “all staff statements are nonbinding and create no enforceable legal rights or obligations of the Commission or other parties.” While potentially a positive step, significant questions remain about the scope of the statements and how they will be implemented in practice.This Teleforum will discuss the implications of these statements and this effort. Will this step rein in regulation through adjudication? Will this step reduce the issuance of guidance itself leading to enforcement against behaviors that could have been redirected through guidance? What role should the federal enforcement authorities play in signaling through guidance and statements what they find problematic when the laws are broad enough to not provide a clear message?Featuring: John C. Richter, Partner, Special Matters and Government Investigations, King & Spalding LLP Teleforum calls are open to all dues paying members of the Federalist Society. To become a member, sign up here. As a member, you should receive email announcements of upcoming Teleforum calls which contain the conference call phone number. If you are not receiving those email announcements, please contact us at 202-822-8138.

The Trump Administration has made clear that it is engaged in a regulatory reform effort. One stated goal of that effort is to ensure that administrative enforcement actions rely on legally binding authority such as laws and regulations and that enforcement actions are not brought for “violations” of non-binding materials such as guidance or staff views. The Department of Justice, which is the prime litigating authority for the federal government, has issued statements disclaiming department or agency guidance as legally binding authority. More recently, independent agencies, including the Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the Bureau of Consumer Financial Protection issued an interagency statement stating that “guidance does not have the force and effect of law, and the agencies do not take enforcement actions based on supervisory guidance." And, most recently, the Chairman of the Securities and Exchange Commission stated that “all staff statements are nonbinding and create no enforceable legal rights or obligations of the Commission or other parties.” While potentially a positive step, significant questions remain about the scope of the statements and how they will be implemented in practice.This Teleforum will discuss the implications of these statements and this effort. Will this step rein in regulation through adjudication? Will this step reduce the issuance of guidance itself leading to enforcement against behaviors that could have been redirected through guidance? What role should the federal enforcement authorities play in signaling through guidance and statements what they find problematic when the laws are broad enough to not provide a clear message?Featuring: John C. Richter, Partner, Special Matters and Government Investigations, King & Spalding LLP Teleforum calls are open to all dues paying members of the Federalist Society. To become a member, sign up here. As a member, you should receive email announcements of upcoming Teleforum calls which contain the conference call phone number. If you are not receiving those email announcements, please contact us at 202-822-8138.

John Berlau, Competitive Enterprise Institute, discusses the Consumer Financial Protection Bureau, its history, the way it is organized and possible changes to make its organization more in line with other government agencies.

I am especially thrilled about today’s guest -- California DBO Commissioner Jan Owen -- because this episode has been years in the making. I’ve known Jan for a long time, and as anyone who knows her will attest, she’s a breath of fresh air in the regulatory world. She’s candid, she’s outspoken, she’s thought provoking, and she's fearless in tackling thorny issues. We’ve been looking for a good chance to sit down and talk, and we finally found one this summer. As it happens, it turned out to be one of Barefoot Innovation’s most fun settings ever (and we’ve had some great ones, including beachside in Fiji at the AFI conference). Jan and I were both in Santa Fe in July for a conference and we decided to record our talk on an outdoor balcony, as a thunder storm approached. It was extremely windy, and we could smell the ozone and coming rain, and you’ll be able to hear the thunder booming, sometimes startlingly well-timed to punctuate Jan’s more pointed comments. We took our chances with the weather, staying outside as the sky darkened and dozens of lightning strikes forked down out of the clouds onto the mountains behind Jan -- I wish I’d gotten a photo of that.  In the end, we had to run for it as the rain began, first with big drops spattering the deck and then, ten seconds later, deluge! So the episode ends a little abruptly! Jan Lynn Owen is one of the most important financial regulators in the US because she heads the California Department of Business Oversight (DBO). Since California arguably leads the world in financial innovation, the DBO is at the forefront in addressing emerging regulatory issues around fintech. Importantly, state regulators, unlike most of the federal ones, oversee both banks and nonbanks. The US federal regulators dominate financial policy, but they don't directly supervise nonbank startups. That means they’re not in close touch with the cutting edge of innovation, which is not in the banks -- it’s in the nonbank startups. So having a regulator like Jan who understands both banking and fintech is invaluable. In our conversation, she shares her diverse background, including having been a banker and regulator. She describes the scope of the DBO, which is breathtaking -- 368,000 licensees, over 4,000 small business and small dollar lenders, over 300 payday lenders, over 400 nondepository mortgage companies - you get the picture. As you would expect, we had a lively discussion about the proposal by the US Office of the Comptroller of the Currency (OCC) to create a fintech charter. Jan is famously opposed to it and I have been an outspoken advocate for it - we’ll link in the show notes to my debate on that topic with John Ryan, CEO of the Conference of State Bank Supervisors (CSBS). Jan is of course a leader in CSBS and in our talk, she describes their efforts to modernize and streamline the state regulatory systems and licensing system in ways that she believes can meet the needs of the fintech sector without the OCC establishing a new type of federal charter. (Note that my discussion with Jan was recorded in mid-July, and so predated the OCC’s July 31 announcement that it is going ahead with the new fintech charter.) Jan points out that the fintech world has transitioned from seeking to avoid regulation to embracing it, in the realization that it helps their business model. She says this shift is putting healthy pressure on government to figure out how to regulate these novel companies, and she’s candid in saying that many of our financial laws and rules are old and out of date. In our talk, she invites input from anyone and everyone on how to fix them. The OCC fintech charter was not the only issue on which Jan and I disagree. If you read the news, you probably already know that she’s been outspoken in her skepticism about regulatory sandboxes -- and our regular listeners know that I think regulators really need them. Much of the issue comes down to how they’re designed, and we had a good conversation about the dos and don'ts of sandboxes, reglabs, and innovation hubs. The key is to give regulators a safe space to do easy experimentation, mainly to accelerate their own learning, while still assuring full consumer protection. (Since Jan and I spoke, the Bureau of Consumer Financial Protection also announced that it will launch a regulatory sandbox.) Before we fled the rainstorm, I asked Jan to talk about a speech she’s been giving titled “Sex, Drugs, and Skinny Jeans” (a perfect example of her style). The “sex” topic is the #MeToo movement, including Jan’s personal experience with workplace sexual misconduct. The “drugs” issue is, of course, how to regulate the financial issues raised by legal marijuana in states like California, since federal law still bars banks from opening accounts for these cash-rich businesses. And “skinny jeans” is about the culture clash between traditional, suit-and-tie finance and the jeans-and-tee-shirt worldview of Silicon Valley. We’re going to have to bridge that divide, if we want to optimize the technology change coming to the financial world. Enjoy this thunderous episode with Jan Lynn Owen. Links LINK TO FULL TRANSCRIPTION Podcast with John Ryan - Conference of State Bank Bank Supervisors President Recent Speech at Lendit More on Jan Lynn Owen Jan Lynn Owen was appointed the first-ever Commissioner of the California Department of Business Oversight by Governor Edmund G. Brown Jr. on July 1, 2013, following a merger of the departments of Corporations and Financial Institutions. Previously, Ms. Owen served as Commissioner of Corporations. Prior to becoming Commissioner, Ms. Owen was the principal at The Jan Owen Group; a strategic initiatives manager at Apple Inc.; vice president of government affairs at JP Morgan Chase; state director of government and industry affairs at Washington Mutual Inc.; and executive director of the California Mortgage Bankers Association. From 1999 to 2000, Ms. Owen was acting commissioner of the Department of Financial Institutions, following on her role as deputy commissioner from 1996 to 1999. She also served for several years as a consultant to the state Senate Banking Committee. Ms. Owen is an alumna of California State University, Fresno, where she earned her degree in Economics. More for our listeners We have great podcasts in the queue. We have a series focused on global developments in fintech and regtech, including Harish Natarajan of the World Bank and Anju Padwardhan of CreditEase and Stanford University, who talks about fintech developments in China. From London, we’ll have a talk with P.J. DiGiamarino of JWG and the Regtech Council. We’ll also have a really thought-provoking show with Peter Renton, who leads LendAcademy and the LendIt conference series. We have a regtech firm coming up, Alloy, which has high-tech solutions for meeting the Know-Your-Customer rules in AML. And we’ll have a show with the co-founders of Earnup. So, lots to look forward to! The fall conference circuit is exciting. Some of the places I’ll be speaking are: Finovate Fall, September 26, 2018, New York, NY NFCC Connect, October 2, 2018, Dallas, TX Online Lending Policy Institute, October 9, Washington, DC P20 Conference, October 10, Atlanta, GA American Banker RegTech, October 15-16, New York, NY Money 2020, October 21-24, Las Vegas, NV Singapore Fintech Festival, November 12-16, Singapore LendIt Europe, November 19-20, 2018 in London ABA/ABA Financial Crimes Conference, December 2-4, Washington, DC Regtech Rising, December 3-5, London I’ll also be speaking at several events hosted by US regulators this fall. It’s great to see so many of them really digging into the issues surrounding fintech and regtech. Also, watch for upcoming information on my collaboration with Brett King on his new book on the future of finance -- we’ll have a show and events on that as well. If you listen to Barefoot Innovation on iTunes, please leave a five star rating and also remember to send in your “buck a show” to keep it going. Come to jsbarefoot.com for today’s show notes and to join our email list, so you’ll get the newest podcast, newsletter, and blog posts. As always, please follow me on Twitter, LinkedIn, and Facebook. Support our podcast Subscribe Sign up with your email address to receive news and updates. Email Address Sign Up We respect your privacy. Thank you!

Jason Hartman talks with Dan Rutherford, deputy director for the Office of Customer Education and Outreach with the US Commodity Futures Trading Commission, about some incidences of fraud in options trading that his office is seeing, and what signs you can look for to make sure you're not scammed. The rise in prominence of cryptocurrencies has brought plenty of scam artists into the arena, and they're currently focusing education on binary options. Key Takeaways: [3:06] What kind of fraud is going on in options? [7:15] The main things you should be watching out for to recognize a scam [12:53] There's a whole lot more education on cryptocurrencies needed in the general public [15:47] Some tips to avoid fraud and how to help out others who may be being taken advantage of Website: www.SmartCheck.gov

How to regulate consumer financial products and services has remained one of the most contentious issues in Washington since the financial crisis. Congress created a new agency aimed at dealing with the issue in the wake of the crisis, but nearly 7 years after that agency first opened its doors, the issue remains as relevant as ever. In fact, experts are even divided on what to call the agency. For some, it’s the “Consumer Financial Protection Bureau,” or CFPB. For others, including Acting Director Mick Mulvaney, it’s the “Bureau of Consumer Financial Protection,” or the BCFP. Today, we're going to try and just call it “The Bureau,” and ask our guests to talk a little about the recent nomination of Kathleen Kraninger to direct the agency. More importantly, however, we’ll talk about the future of consumer credit regulation regardless of who runs the Bureau, or what it’s called: Justin Schardin, a fellow with the Bipartisan Policy Center, and the former director of their Financial Regulatory Reform Initiative.  Brian Knight, director of the financial regulatory program here at the Mercatus Center.   Follow Chad on Twitter @ChadMReese.

West Coast Cookbook & Speakeasy is Now Open! 8am-9am PT/ 11am-Noon ET for our especially special Daily Specials; Tarrytown Chowder Tuesdays!Starting off in the Bistro Cafe, Trump apologist Rep. Markwayne Mullin joined Ali Velshi and mixed up facts with fiction, but Velshi was not impressed.On the rest of the menu, California fire investigators conclude the state's largest utility, Pacific Gas and Electric, caused 12 wildfires that burned over 300,000 acres and killed scores of people; Neil Gorsuch just wrote an opinion so radical that even Clarence Thomas wouldn't join it; and, the only thing scarier to Jeff Sessions than MS-13, are the rape victims of MS-13.After the break, we move to the Chef's Table where petty tyrant Mick Mulvaney threatens the Associated Press to change its style manual from calling the department, the Consumer Financial Protection Bureau, to the Bureau of Consumer Financial Protection; and, Trump won't fund a veterans bill he just made a big deal about signing.All that and more, on West Coast Cookbook & Speakeasy with Chef de Cuisine Justice Putnam.Bon Appetit!~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~“As I ate the oysters with their strong taste of the sea and their faint metallic taste that the cold white wine washed away, leaving only the sea taste and the succulent texture, and as I drank their cold liquid from each shell and washed it down with the crisp taste of the wine, I lost the empty feeling and began to be happy and to make plans.” ― Ernest Hemingway "A Moveable Feast"~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~Show Notes & Links: https://www.dailykos.com/stories/2018/6/12/1771214/-West-Coast-Cookbook-amp-Speakeasy-Daily-Special-Tarrytown-Chowder-Tuesdays

Episode 128 of the More Perfect Union podcast covers the mystery of what "net neutrality" really means, the latest in the ongoing GOP tax reform debate, the looming battle over the new head of the Consumer Financial Protection Agency, more charges of sexual harrassment in Washington, D.C., and who should be Time Magazine's Person of the Year.

*Stimulating political talk* Pre-debate discussion, Honey Boo Boo makes her endorsement, Jay Z in Obama ad, new Pres. Clinton ad for Obama, Tea Party group re-launches Obama phone debunked bullsh*t in an ad, new study shows more manufacturing jobs created under Democratic Presidents, Citigroup CEO quits, growing concern for 14 y/o pakistani girl Malala who was shot by the taliban, States move to legalize weed via ballot initiative, Student loan bubble and sub prime mortgage crisis very similar says the Consumer Financial Protection bureau & more!