Podcasts about csbs

Our podcast show today features Professor Dan Awrey of Cornell Law School, and Matt Lambert, Deputy General Counsel of the Conference of State Bank Supervisors (“CSBS”) who discuss the pros and cons of Congress enacting a statute which would require federal charter for non-banks engaged in the payments business. At present, such non-banks are generally required to be licensed by state departments of banking under money transmitter laws. On November 14 of last year, on our podcast show, Professor Awrey discussed his working paper “Money and Federalism” in which he advocates for the enactment of Federal legislation creating a Federal charter for non-banks engaged in the payments business, like PayPal and Venmo. The article may be accessed online at SSRN and will likely be published in a law review at some time in the future. The abstract of Professor Awrey's article states, in relevant part: The dual banking system is now under stress. The source of the stress is a new breed of technology-driven financial institutions licensed and regulated almost entirely at the state level that provide money and payments outside the perimeter of both conventional bank regulation and the financial safety net. This article examines the rise of these new monetary institutions, the state-level regulatory frameworks that govern them and the nature of the threats they may one day pose to monetary stability. It also examines the legal and policy cases for federal supremacy over the regulation of these new institutions and advances two potential models, one based on complete federal preemption, the other more tailored to reflect the narrow yet critical objective of promoting public confidence and trust in our monetary system. The CSBS on Nov. 12 of last year published an article on its website entitled “The Reality of Money Transmission: Secure, Convenient, and Trusted under State Supervision” in which it purported to dispel several myths about state money transmitter and money services statutes. CSBS stated: Recent statements about money transmission in the United States have perpetuated myths about consumer protections and the safety and soundness of this vibrant, secure, and trusted part of our country's payments ecosystem. It is time that we dispel some of these myths by explaining the realities of the state-developed, nationwide framework for regulation, licensing, and supervision of money transmission. While targeted reforms made through cooperation between the states and federal government may be appropriate, a complete overhaul of an established, secure, convenient, and stable money transmission ecosystem is an unwarranted federal overreach. Because of these sharp differences of opinion between Professor Awrey and CSBS, we decided to invite Professor Awrey and Matt Lambert to be our guests on this show and to discuss the following issues: The historical background to and rationale for state money transmitter laws How the National Multistate Licensing System (“NMLS”) and state supervision work today The emergence of new business models: e.g. PayPal, Stripe, Crypto A brief history of recent federal proposals: from the OCC fintech charter to the current stablecoin bills How state legislatures and regulators have responded to the emergence of new business models (e.g. model act amendments and adoption, new chartering frameworks) Where the federal government can meaningfully improve on these state level responses (standardization, bankruptcy protection, payment network access, systemic risk regulation, international coordination) Where state regulators have a comparative advantage (novel chartering, supervision) Where we think the nonbank payment industry and regulation are heading in 2025 and beyond Alan Kaplinsky, Senior Counsel and former practice group leader of the Consumer Financial Services Group, hosts the podcast show.

The award-winning Compliance into the Weeds is the only weekly podcast that takes a deep dive into a compliance-related topic, literally going into the weeds to explore a subject more fully. Are you looking for some hard-hitting insights on compliance? Look no further than Compliance into the Weeds! In this Compliance into the Weeds episode, Tom Fox and Matt Kelly explore a significant enforcement action by the Conference of State Bank Supervisors (CSBS) against Block Inc. They discuss the CSBS's role as a collective of state banking regulators, the reasons behind the $80 million fine imposed on Block, and the extensive compliance reforms the company must implement, including appointing an independent consultant. They consider the broader implications of state-level enforcement actions in areas like anti-money laundering and data privacy, especially in light of potential shifts in federal regulatory priorities. Matt and Tom consider how compliance professionals can adapt by bolstering transparency, forming compliance committees, and staying abreast of the evolving regulatory landscape. Key highlights: Understanding the CSBS and Block Inc. Enforcement Implications of State-Level Enforcement Comparative Enforcement Actions Challenges for Compliance Professionals Resources: Matt in Radical Compliance Tom Instagram Facebook YouTube Twitter LinkedIn Learn more about your ad choices. Visit megaphone.fm/adchoices

For more information on updates to NMLS Modernization and how to get involved, visit the NMLS Modernization page on the CSBS website.Since the NMLS Annual Conference & Training in February, there's been a lot of excitement around “NMLS Modernization.” Today, CSBS launched several new features and changes in NMLS as a part of this modernization effort. I sit down with Dave Dwyer, Senior Vice President of Business Services at CSBS, to learn about the changes available to NMLS users today and what's to come as NMLS Modernization continues.

On this episode of Let's Get Surety®, we talk with Corban Enns of Gallagher Affinity Insurance Solutions, shedding light on the complexities of working with state agencies and navigating through the nuances of bonding. Corban shares his journey getting into surety, discusses the CSBS and NMLS, and addresses the confusion about the surety product that you might encounter. Most importantly he shares stories and insight on how to be proactively advocating for the benefits and significance of the surety product with owners and obligees. Join us as we uncover the secrets to successful collaboration and advocacy in the world of surety. With special guest: Corban Enns, Area President & Director of Surety, Gallagher Affinity Insurance Solutions Hosted by: Kat Shamapande, Director, Professional Development, NASBP and Mark McCallum, CEO, NASBP Sponsored by Liberty Mutual Surety!  

In the prologue, we speak with Vickie Peck, Executive Vice President of Products & Solutions, to reflect on how licensing through NMLS has advanced over the past 15 years.About "The Making of NMLS" SeriesThe Housing and Economic Recovery Act, or HERA, was signed into law fifteen years ago on July 30, 2008. HERA included the SAFE Act, which required mortgage loan originators to register or be licensed in the Nationwide Multi-State Licensing System (NMLS). In celebration of 15 years of NMLS, CSBS is releasing a podcast series about the creation of NMLS. Join us each week through August as we interview the regulators and leaders responsible for one of history's most ambitious 50-state projects.GuestsVickie Peck - Executive Vice President, Products & SolutionsBuz Gorman - Executive Vice President, General CounselJohn Ryan - Former CSBS President and CEONeil Milner - Former CSBS President and CEOBill Matthews - Former President and CEO of State Regulatory Registry LLCSteve Antonakes - Former Massachusetts Commissioner of Banks; Former Deputy Director of the CFPBGavin Gee - Former Director of the Idaho Department of Finance; Former CSBS ChairJoe Smith - Former North Carolina Commissioner of BanksTom Gronstal - Former Superintendent of Banking in IowaDarrin Domingue - Former Chief Examiner of the Louisiana Office of Financial Institutions

In episode one, we discuss the financial conditions in the early 2000s. Allegations of predatory lending, an increased number of applications of unqualified individuals to issue mortgages, and increasingly risky behavior in the mortgage market all caught the attention of state financial regulators. Seeing this growing trend, some regulators gathered at CSBS meetings in search of solutions.About "The Making of NMLS" SeriesThe Housing and Economic Recovery Act, or HERA, was signed into law fifteen years ago on July 30, 2008. HERA included the SAFE Act, which required mortgage loan originators to register or be licensed in the Nationwide Multi-State Licensing System (NMLS).In celebration of 15 years of NMLS, CSBS is releasing a podcast series about the creation of NMLS. Join us each week through August as we interview the regulators and leaders responsible for one of history's most ambitious 50-state projects.GuestsVickie Peck - Executive Vice President, Products & SolutionsBuz Gorman - Executive Vice President, General CounselJohn Ryan - Former CSBS President and CEONeil Milner - Former CSBS President and CEOBill Matthews - Former President and CEO of State Regulatory Registry LLCSteve Antonakes - Former Massachusetts Commissioner of Banks; Former Deputy Director of the CFPBGavin Gee - Former Director of the Idaho Department of Finance; Former CSBS ChairJoe Smith - Former North Carolina Commissioner of BanksTom Gronstal - Former Superintendent of Banking in IowaDarrin Domingue - Former Chief Examiner of the Louisiana Office of Financial Institutions

In episode two, we start with an interview with then-CSBS President and CEO John Ryan. John shares the story behind when state regulators decided it was time to develop a nationwide licensing system. We determine exactly who had the idea first, the initial reaction of commissioners in 2003 and what ultimately led to embarking on the creation of NMLS.About "The Making of NMLS" SeriesThe Housing and Economic Recovery Act, or HERA, was signed into law fifteen years ago on July 30, 2008. HERA included the SAFE Act, which required mortgage loan originators to register or be licensed in the Nationwide Multi-State Licensing System (NMLS).In celebration of 15 years of NMLS, CSBS is releasing a podcast series about the creation of NMLS. Join us each week through August as we interview the regulators and leaders responsible for one of history's most ambitious 50-state projects.GuestsVickie Peck - Executive Vice President, Products & SolutionsBuz Gorman - Executive Vice President, General CounselJohn Ryan - Former CSBS President and CEONeil Milner - Former CSBS President and CEOBill Matthews - Former President and CEO of State Regulatory Registry LLCSteve Antonakes - Former Massachusetts Commissioner of Banks; Former Deputy Director of the CFPBGavin Gee - Former Director of the Idaho Department of Finance; Former CSBS ChairJoe Smith - Former North Carolina Commissioner of BanksTom Gronstal - Former Superintendent of Banking in IowaDarrin Domingue - Former Chief Examiner of the Louisiana Office of Financial Institutions

In episode three, we discuss the work that went into building NMLS and the opposition faced along the way. Staff worked to harmonize legislative and regulatory requirements across state agencies, develop uniform documents, gather feedback from the mortgage industry and work out the funding and maintenance structure of the system. The episode culminates with a look at the debate between states on whether to launch and adopt the system.Producer's Note:  In this episode, the host refers to the SAFE Act passing in July 2007. HERA and the SAFE Act passed July 30, 2008. In addition, the host mentions the states being given one year to adopt NMLS. While every state held a legislative session within one year, the SAFE Act provided two years for states to adopt NMLS.About "The Making of NMLS" SeriesThe Housing and Economic Recovery Act, or HERA, was signed into law fifteen years ago on July 30, 2008. HERA included the SAFE Act, which required mortgage loan originators to register or be licensed in the Nationwide Multi-State Licensing System (NMLS).In celebration of 15 years of NMLS, CSBS is releasing a podcast series about the creation of NMLS. Join us each week through August as we interview the regulators and leaders responsible for one of history's most ambitious 50-state projects.GuestsVickie Peck - Executive Vice President, Products & SolutionsBuz Gorman - Executive Vice President, General CounselJohn Ryan - Former CSBS President and CEONeil Milner - Former CSBS President and CEOBill Matthews - Former President and CEO of State Regulatory Registry LLCSteve Antonakes - Former Massachusetts Commissioner of Banks; Former Deputy Director of the CFPBGavin Gee - Former Director of the Idaho Department of Finance; Former CSBS ChairJoe Smith - Former North Carolina Commissioner of BanksTom Gronstal - Former Superintendent of Banking in IowaDarrin Domingue - Former Chief Examiner of the Louisiana Office of Financial Institutions

When we left off from the last episode in September 2005, the CSBS Board of Directors had just approved the development of NMLS. In episode four, we discuss the significant trouble brewing in the mortgage market in 2006. As the mortgage crisis unfolded, state regulators pushed forward with the development of NMLS. As Congress investigated the crisis, state regulators shared NMLS as a possible solution for reigning in the market.About "The Making of NMLS" SeriesThe Housing and Economic Recovery Act, or HERA, was signed into law fifteen years ago on July 30, 2008. HERA included the SAFE Act, which required mortgage loan originators to register or be licensed in the Nationwide Multi-State Licensing System (NMLS).In celebration of 15 years of NMLS, CSBS is releasing a podcast series about the creation of NMLS. Join us each week through August as we interview the regulators and leaders responsible for one of history's most ambitious 50-state projects.GuestsVickie Peck - Executive Vice President, Products & SolutionsBuz Gorman - Executive Vice President, General CounselJohn Ryan - Former CSBS President and CEONeil Milner - Former CSBS President and CEOBill Matthews - Former President and CEO of State Regulatory Registry LLCSteve Antonakes - Former Massachusetts Commissioner of Banks; Former Deputy Director of the CFPBGavin Gee - Former Director of the Idaho Department of Finance; Former CSBS ChairJoe Smith - Former North Carolina Commissioner of BanksTom Gronstal - Former Superintendent of Banking in IowaDarrin Domingue - Former Chief Examiner of the Louisiana Office of Financial Institutions

In the epilogue, we ask regulators to share their insights on the importance of NMLS, what we gain from a state-federal regulatory partnership and lessons learned from the NMLS development process.About "The Making of NMLS" SeriesThe Housing and Economic Recovery Act, or HERA, was signed into law fifteen years ago on July 30, 2008. HERA included the SAFE Act, which required mortgage loan originators to register or be licensed in the Nationwide Multi-State Licensing System (NMLS).In celebration of 15 years of NMLS, CSBS is releasing a podcast series about the creation of NMLS. Join us each week through August as we interview the regulators and leaders responsible for one of history's most ambitious 50-state projects.GuestsVickie Peck - Executive Vice President, Products & SolutionsBuz Gorman - Executive Vice President, General CounselJohn Ryan - Former CSBS President and CEONeil Milner - Former CSBS President and CEOBill Matthews - Former President and CEO of State Regulatory Registry LLCSteve Antonakes - Former Massachusetts Commissioner of Banks; Former Deputy Director of the CFPBGavin Gee - Former Director of the Idaho Department of Finance; Former CSBS ChairJoe Smith - Former North Carolina Commissioner of BanksTom Gronstal - Former Superintendent of Banking in IowaDarrin Domingue - Former Chief Examiner of the Louisiana Office of Financial Institutions

In today's episode, I interview Melanie Hall, Commissioner at the Division of Banking and Financial Institutions, State of Montana. Together, we explore the current state of the banking industry, the economy, the ever-evolving landscape of interest rates, and the role of organizations like NASCUS and CSBS. Brace yourself for a discussion that not only enlightens but also brings a touch of humor as we share some amusing anecdotes and indulge in a few bad jokes along the way!

In this episode, Dot Baisly describes a vision for best practices in animal sheltering that includes compassion for both animals and humans. We discuss:Dot's journey into animal behavior and shelter work.Becoming a more effective communicator with humans.The multidisciplinary education necessary for frontline animal shelter staff to meet the demands of the modern world. Recognizing the tough emotional demands of shelter work on humans. How shelters can talk to their communities about behavioral euthanasia decisions.Promising trends in animal sheltering including the Canine Assessment of Risk for Shelters (CARS) and conversation-based adoptions. Dot Baisly's bio:Dot Baisly is the Executive Director for the International Association of Animal Behavior Consultants (IAABC) and the Behavior Consultant at Heal Veterinary Clinic in Watertown, MA. Dot also holds a master's degree in Animal Behavior from Tufts University and is a certified professional dog trainer (CPDT-KA), a certified dog behavior consultant (CDBC), certified cat behavior consultant (CCBC), and certified shelter behavior specialist (CSB). Dot is currently a core member of the Shelter Playgroup Alliance team where she facilitates course content for the on-line program and in-person workshops. Most recently she was the director of behavior for Northeast Animal Shelter where she built a behavior program and transformed the organization's approach to behavior as a result of her leadership. Prior to this she was also the lead behavior staff at the SPCA of Westchester and then the Animal Rescue League of Boston. Dot also worked as a consultant for Paws With A Cause, working with service dogs and the clients they serve for over 10 years.  She has been working in animal welfare, veterinary care and behavior for over 20 years, both in animal welfare and rescue organizations and as a private consultant.  Dot has consulted with private clients since her initial certifications, working with owned cats and dogs on a regular basis.  In her private practice, Dot specializes in working with dogs and cats exhibiting significant behavioral concerns, including human-directed aggression.She also provides consultations to shelters across the country where she has evaluated dogs, educated staff and volunteers and continues to be recognized as a key leader in the animal welfare and shelter behavior community, where she is sought out for her expertise, compassion, and skill in leading change efforts. Prior to working in sheltering, Dot managed a veterinary clinic and worked as a technician where she developed her knowledge and skills in low-stress veterinary handling.  Since that time, Dot has taught those techniques in shelters and at veterinary practices across the country.Links:https://iaabc.org/https://www.shelterdogplay.org/learn-with-usTheme music composed and performed by Andy SellsContact Behavior Vets tweet us @BehaviorVets follow us on Facebook email us at nyc@behaviorvets.com follow us on Instagram

The Model Money Transmission Modernization Act, also known as the Money Transmitter Model Law, is a single set of nationwide standards and requirements created by industry and state experts. We speak with two CSBS experts on money transmission to learn how this model law came to be, what it accomplishes and how it's being implemented nationwide.GuestsMatt Lambert - Deputy General Counsel, Policy, CSBSCamille Polson - Manager, Policy Development, CSBS

State regulators have an important mandate that requires them to protect consumers, ensure the safety and soundness of their institutions and promote economic growth. Today we talk about the priorities of state regulators in 2023, focusing on legislation, state-federal partnerships and Networked Supervision.Guests:Jim Cooper - President and CEO, CSBSKaren Lawson - Executive Vice President of Policy and Supervision, CSBS 

In this episode, Catherine Knipstein, the Vice-President of Strategy of Athena Communications, tells us why words matter to her. She shares a story of when she realized she was going to translate this expertise into a career. She emphasizes simplicity when crafting your messages when you can.Catherine talks about her mantra, "Write tight." She also shares her thoughts on the term “fake news” and how it is becoming difficult for us to filter out what is true or not with all of the information available. Listen to this episode to find out why you should always be careful with your words, why it is important to be honest in your messaging, to be open-minded, and to seek out alternative viewpoints, as well as why it is crucial to assume the best intentions of others and have grace with them.Episode Highlights:08:20 - Write tight. Be very simple. When you can use a one-syllable word, do so. Your sentences should be very short and concise. And that way, everyone understands what you're saying. It's a lot harder to do that.11:30 - We're under attack by words. It's factual that there are bad actors, foreign and domestic, that are using words to try to mislead us, to lie to us, to influence our elections, for example. It's a little scary quite frankly.17:02 - It's that simple, short messaging. It's being honest. I mean, you and I have done media training together, messaging training together. And that's always our number one rule. Connect with Becky Dubin JenkinsLinkedInConnect with Catherine Knipstein LinkedInGuest Bio: Catherine Knipstein has more than 12 years of experience in public relations, working first for the Conference of State Bank Supervisors (CSBS), a nonprofit professional association headquartered in Washington, D.C.Catherine also worked as a Senior Account Executive for a PR firm located in Milwaukee for more than two years. In July 2019, Catherine joined Athena Communications as the firm's Chief Strategist.Catherine has extensive experience in internal and external communications and has served an array of organizations across all types of industries, including nonprofits, municipalities, international banks, national retailers and schools.Before becoming a public relations executive, Catherine was a financial policy analyst for CSBS, worked in the Office of Legislative Affairs for the U.S. Department of Homeland Security and started her career working for U.S. Sen. Don Nickles (R-OK). Through these positions, Catherine gained knowledge of the federal policy creation process.Catherine has a Master of Arts degree in Communication from Johns Hopkins University and a Bachelor of Arts degree in U.S. History from Sewanee: University of the South. She and her husband, Jeff, have a young daughter named Nan.

John Ryan, the president and CEO of the Conference of State Bank Supervisors who unexpectedly passed away in May at the age of 58, talked last year about state bank regulators' efforts to retire the siloed state-by-state system of financial services oversight. He, along with Charlie Clark, the director of the Washington State Department of Financial Institutions, talked about the CSBS' “Networked Supervision” plan.

Hey young world we are back with a special episode, we really wanted to record and get some of these good vibes we had going, so at 1AM we said hey let's record a show! Way past my bedtime but damn was it good. In this ep. we talking about our perfect day and what we would do, the more interesting and fun side of IT without the CSBS (if you know you know), also my favorite question lately if Humanoid Androids can dream? Plus other random ideas we share, WHO READY FOR THEIR THIRD SHIFT? Let's GO!

On this week's episode, we're talking with Gail Maddox Taylor about listening to and investing in communities, building coalitions, and why prevention matters.    Gail Maddox Taylor is the Director of the Office of Behavioral Health Wellness for the Virginia Department of Behavioral Health and Developmental Services, also known as the NPN, where she provides leadership in Virginia's prevention efforts. She also leads Virginia's statewide initiatives, including Problem Gambling Prevention, Suicide Prevention, Mental Health First Aid, Adverse Childhood Experiences, and Behavioral Health Equity and Disparities initiatives. Gail is the 2020 recipient of the National Association of Substance Abuse Director's National Prevention Network Ketty Award presented annually to a current NPN who has made outstanding contributions to the NPN organization and the field of prevention and received the 2021 Community Anti-Drug Coalitions of America (CADCA) Outstanding State Award. These awards were received because of the hard work of the OBHW team, CSBs and Virginia community Coalitions. Gail has served as the NPN liaison on the Board of the Society of Prevention Research, is on CADCA's Coalition Advisory Council (CAC), and serves as the National NPN 1st Vice-President.    TRIGGER WARNING: Suicide, substance use, trauma, domestic violence, and mental health issues are discussed in broad ways throughout this conversation.    Virginia Department of Behavioral Health and Developmental Services:  https://dbhds.virginia.gov/   The views and opinions expressed on Awareness 2 Action are those of the guests and host and do not necessarily reflect the official policy or position of the Prevention Department or Northwestern Community Services.

I'm back baby 

TW: Subject matter Death. Another fun fill episode filled with goofs for some ages. Not a show for babies. but it is an episode about dads who have exactly one thing to do with the production of babies. Enjoy (this episode is not about heterosexual intercourse.)

My guest today, John Ryan, is the man of the hour. He is CEO of the Conference of State Bank Supervisors, and CSBS is at the vortex of most of the currents of change swirling around the US financial system. What’s the future of banking charters? What’s the future for fintechs that want to operate nationwide? What’s the future for community banks? How will regulators keep up with the technology that’s transforming the markets they oversee? What’s the future of bank regulation itself? CSBS plays a key role in all of it.

Previews and Predictions Plus Boxing News And Opinions

After looking at CSBS’s role in the system of state financial supervision, we discuss its initiatives to coordinate state licensing and supervision of multi-state non-bank companies, such as by implementing a “one company-one exam” approach and multi-state licensing program, its work on a model law for money services businesses, why CSBS opposes an OCC fintech charter for non-depository companies, and its position on the OCC/FDIC “Madden-fix” rules and OCC “true lender” rule.

John Ryan, the president and CEO of the Conference of State Bank Supervisors, and Charlie Clark, the director of the Washington State Department of Financial Institutions, discuss state bank regulators’ new effort to retire the siloed state-by-state system of financial services oversight. The new system expands state regulators’ successful mortgage licensing system to cover the entire bank as well as nonbank companies.

"States of the Economy" is a monthly look at the economic picture across the country. In our discussion, CSBS Senior Economist Tom Siems focuses on how the national economic picture impacts local communities and what state regulators are looking out for.At the end of each quarter, CSBS also includes feedback and data from community bankers who completed the Community Bank Sentiment Index (CBSI) for the quarter.

Some days it seems like everything has changed -- even the way we do ministry. But has our core mission and purpose changed? There is no doubt we are living in a unique season, but are there still questions that we should always be asking ourselves? Join us this week with Dr. Rob Blackaby, President of the Canadian Southern Baptist Seminary and College, as he talks about the practices of great spiritual leaders and explores the questions we can be asking in the midst of every season.   Want to check out the books that Rob was talking about? The Uncertain Leader by Andy Stanley  Canoeing the Mountains by Tod Bolsinger    Want to chat more with Rob? You can contact him through the Canadian Southern Baptist Seminary website (csbs.ca) or at Rob.Blackaby@csbs.ca    To check out more content from CSBS, tune in to Episode 98 with Susan Booth and take a look at her tool for evangelism (https://csbs.ca/share-gods-story/)! Submit your youth ministry question at youthministry.team.

In this week's episode, we talk with CSBS's CISO Todd Scharf and learn about how ransomware can impact consumers and employees. We also cover common red flags and how consumers can protect themselves from ransomware attacks.

Rematch Preview and prediction. Plus other boxing news.

Boxing News And Updates And A Rant

How consumers borrow, invest, store, and send money is changing more rapidly than ever before, and the pace of that change is only set to accelerate.State regulators have always been responsive to changes in the industry, responding to innovations in banking in finance for over 100 years.But the changes affecting financial services in the past several years are different. Companies and transactions are becoming faster, more complex, and more interconnected than ever before.So, state regulators adopted a more dynamic and collaborative approach to supervision they call “Networked Supervision.” Networked Supervision is designed to not just respond to changes in the industry, but to proactively improve supervisory tools before they are needed.Today, I talk to the head of CSBS, the organization tasked with helping states stay ahead of the curve. We discuss what states have been doing the last few years to meet the needs of a changing industry, what companies and consumers can expect out of their regulator in the coming year, and how supervisors are changing their approach to tech to work harder, better, faster, stronger.

Fight previews and predictions plus the news

This weekends fights with boxing news and a rant.

We completely steal the work Dave Barry and review 2020 CSBS style. 

Fighter awards, predictions on 2021, Canelo fight review, and Garcia vs. Campbell preview.

Previewing today's fights and a recap of Spence vs. Garcia

Previews and predictions on this weeks fights and a recap of last weeks fights.

A breakdown of this weeks great fights and some boxing news.

Previews And Predictions Plus A Little Commentary

Previews and previews

Salute To Angelo Plus A Recap Of The Past Fights And A Preview Of The Upcoming Fights

If you’ve been paying attention to state supervision lately, you’ve probably heard the phrase “Vision 2020” several times. Vision 2020 has been an initiative to modernize and enhance the state supervisory system in a way that makes licensing, examination, and supervision easier, safer, and more effective. When the work launched in 2018, there was a lot of public outreach. State regulators held town halls, hearings, and more to get feedback from industry leaders, academics, and policymakers alike. Then, CSBS and the states got work. Since then, there have been some significant landmarks of progress. Every US state assigned an innovation contact to work with new companies and new technologies. Over half of states signed onto a multistate MSB licensing agreement. The State Examination System launched, making the entire examination process easier to conduct remotely and collaboratively. But now we’re at a point where the fruits of all these labors will really come to bear. With new technology, new data aggregation tools, and new examiner resources in place, the state system is poised to create the most integrated and interconnected supervisory network ever. This network will let an examiner leverage real-time data and information about a company and conduct better examinations. It will allow for states to collaborate seamlessly, accept examination data from other states, and conduct joint exams. And, this network will reduce examination frequency and burden on supervised companies. Over the next several months, I’ll be meeting with the experts behind these changes. We’ll be reviewing some brand new advancements, announcing new changes, and explaining how all the technology the state system has developed is building toward a single system and a single philosophy we like to call “Networked Supervision.” So today, we will be discussing just one piece of this broader network. I meet with an expert who works on Money Services Businesses to chat about a new initiative known as “One Company, One Exam.” Spoiler alert: it’s a whole heck of a lot like what it sounds like.

Angelo and JP preview the huge Charlo doubleheader PPV

Talking boxing news and being a hater of the shenanigans.

Angelo recaps Ramirez vs Postol then spews some much needed hate

A recap on the past matches. Plus news and a few opinions.

Angelo talks about Dillion Whyte getting knocked out by Alexander Povetkin plus look at this weeks action headlines by Jose Ramirez taking on Victor Postol Check out my guys at Just 2 Fans https://podcasts.apple.com/us/podcast/ep-5-if-you-like-the-nfl-you-are-in-a-cult/id1525105496?i=1000489176225

This week I sit down with "Heroes and Jerks" author Ed Daly who also happens to be a big boxing fans and has some great stories including a run in with Arturo Gatti. be sure to check out his book on Amazon and rate and review it. Also a shout out to our sponsor of the episode podcorn.com to find sponsors to your podcast.

We are back together again, me and JP catch up on the goings on in boxing plus talk about 5 fighters who have underachieved in their careers

How does this pandemic change the way boxing is promoted and how fights are made.

In today's Daily Download episode, HousingWire Digital Producer Alcynna Lloyd covers a joint statement from the Consumer Financial Protection Bureau and Conference of State Bank Supervisors.For some background on the story, here's a summary of the article:The Consumer Financial Protection Bureau and Conference of State Bank Supervisors have issued a joint statement regarding forbearance as it relates to the CARES Act.The three-page statement defines protections for borrowers with federally backed mortgages. Under the terms of the guidance, servicers must grant forbearance after receiving a request from a borrower citing financial hardship caused by the COVID–19 emergency.While servicers cannot request information supporting the need for forbearance, the new joint statement declared they could “work with the borrower to better understand the borrower's situation so long as (i) borrowers are not misled about the requirements of, or dissuaded from proceeding with, a CARES Act forbearance if they have a COVID-related hardship and (ii) any information obtained from the borrower has no bearing on the servicer's provision of a CARES Act forbearance.” Following the main story, HousingWire discusses a report from Black Knight that claims the number of mortgages in forbearance declined last week for the first time since the start of the COVID-19 pandemic and the Federal Housing Administration's temporary policy change that is designed to offer guidance for lenders on how to obtain FHA insurance endorsements on mortgages where the borrower either obtained or requested a COVID-19 forbearance.The Daily Download examines the most captivating articles reported from the HousingWire newsroom. HousingWire newsroom. Each afternoon, HousingWire provides its readers with a deeper look into the stories that are not only chronicling the biggest announcements within the housing finance industry but are also helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd.HousingWire articles covered in this episode:Mortgage forbearances fall for the first timeCFPB and CSBS issue statement on mortgage forbearance warning servicers on borrower guidanceFHA enacts temporary policy shift on forbearances

CSBS COVID-19 Resource Page: https://www.csbs.org/mortgage-relief-coronavirus Show notes: www.csbs.org/covid-pod10 The current economic situation is unprecedented. How do you put it into perspective? We compare unemployment and jobless claims to crises past and try to get a handle on just how severe of a downturn we are having. People are reporting struggles with their mortgage servicers and getting forbearance or other mortgage payment relief. CSBS and the Consumer Financial Protection Bureau released a consumer relief guide to explain your rights when asking for forbearance and what to expect when you call your servicer. There’s still more than $100 billion left in Paycheck Protection Program money for small businesses. But what is it like on the ground for business owners applying? We highlight one firm’s experience getting a loan. And last but not least, the U.S. House of Representatives passed a $3 trillion package. The bill seems to be a starting point for negotiations with the Senate, but what all is in it?

Shownotes: www.csbs.org/covid-pod3 CSBS COVID-19 Resource Page: https://www.csbs.org/information-covid-19-coronavirus Regulators alert Congress about an overlooked impact of COVID-19 on mortgage loan servicers. As states work to provide guidance to consumers and institutions, California strikes a major agreement with its banks to help their community. Fed Chair Jerome Powell goes on ABC Morning News. And, CSBS provides state-level data into just how much the unemployment rate has changed so far in March. Good afternoon, and welcome to the COVID-19 Financial System Update. It’s March 27, and here are the news updates as of 2 p.m. Eastern Time.

Follow all updates on COVID-19 Financial Services here: https://www.csbs.org/information-covid-19-coronavirus Read the shownotes in full here: https://www.csbs.org/covid-pod2 Good afternoon, and welcome to the COVID-19 Financial System Update. During the ongoing pandemic, news is happening at a rapid pace. And we at Simply Stated realize that you might miss something important. So we will be sharing the most recent financial stories, regulations, guidance and more surrounding the pandemic. Each news item shared here will be available in a single link, available in shownotes of today’s podcast and from the homepage of CSBS.org.

Follow all updates on COVID-19 Financial Services here: https://www.csbs.org/information-covid-19-coronavirus Read the shownotes in full here: https://www.csbs.org/covid-pod1 Good afternoon, and welcome to the COVID-19 Financial System Update. During the ongoing pandemic, news is happening at a rapid pace. And we at Simply Stated realize that you might miss something important. So we will be sharing the most recent financial stories, regulations, guidance and more surrounding the pandemic. Each news item shared here will be available in a single link, available in shownotes of today’s podcast and from the homepage of CSBS.org. So, let’s get started. It’s March 23, and here are the news updates as of 4:40 PM Eastern Time.

John 1:1     —AMU— AMU   —AR— ERV-AR NAV   —AWA— ERV-AWA   —BG— BG1940 BULG ERV-BG CBT BOB BPB   —CCO— CCO   —CEB— APSD-CEB   —CHR— CHR   —CKB— KSS   —CKW— CKW   —CS— B21 SNC   —CY— BWM   —DA— BPH DN1933   —DE— HOF LUTH1545 NGU-DE SCH1951 SCH2000   —EN— KJ21 ASV AMP AMPC BRG CSB CEB CJB CEV DARBY DLNT DRA ERV EHV ESV ESVUK EXB GNV GW GNT HCSB ICB ISV PHILLIPS JUB KJV AKJV LEB TLB MSG MEV MOUNCE NOG NABRE NASB NCV NET NIRV NIV NIVUK NKJV NLV NLT NMB NRSV NRSVA NRSVACE NRSVCE NTE OJB TPT RGT RSV RSVCE TLV VOICE WEB WE WYC YLT   —ES— LBLA DHH JBS NBLA NBV NTV NVI CST PDT BLP BLPH RVA-2015 RVC RVR1960 RVR1977 RVR1995 RVA SRV-BRG TLA   —FI— R1933   —FR— BDS LSG NEG1979 SG21   —GRC— TR1550 WHNU TR1894 SBLGNT THGNT   —HE— HHH WLC   —HI— ERV-HI SHB   —HIL— HLGN   —HNE— NCA   —HR— HNZ-RI CRO   —HT— HCV   —HU— KAR ERV-HU NT-HU   —HWC— HWP   —IS— ICELAND   —IT— BDG CEI LND NR1994 NR2006   —JA— JLB   —JAC— JAC   —KEK— KEK   —KO— KLB   —LA— VULGATE   —LG— LCB   —MI— MAORI   —MK— MNT   —MR— ERV-MR   —MVC— MVC   —MVJ— MVJ   —NDS— REIMER   —NE— ERV-NE   —NGU— NGU   —NL— BB HTB   —NO— DNB1930 LB   —NY— CCL   —OR— ERV-OR   —PA— ERV-PA   —PL— NP SZ-PL UBG   —PPL— NBTN   —PT— ARC NTLH NVT NVI-PT OL VFL   —QU— MTDS   —QUT— QUT   —RO— RMNN NTLR   —RU— NRT CARS CARST CARSA ERV-RU RUSV   —SK— NPK   —SO— SOM   —SQ— ALB   —SR— NSP ERV-SR   —SV— NUB SV1917 SFB SFB15 SVL   —SW— SNT   —TA— ERV-TA   —TH— TNCV ERV-TH   —TL— FSV ABTAG1978 ABTAG2001 ADB1905 SND MBBTAG MBBTAG-DC   —TWI— NA-TWI   —UK— UKR ERV-UK   —UR— ERV-UR   —USP— USP   —VI— VIET BD2011 NVB BPT   —YO— BYO   —ZH— CCB CCBT ERV-ZH CNVS CNVT CSBS CSBT CUVS CUV CUVMPS CUVMPT RCU17SS RCU17TS  —Amuzgo de Guerrero (AMU)— Amuzgo de Guerrero (AMU)   —العربية (AR)— Arabic Bible: Easy-to-Read Version (ERV-AR) Ketab El Hayat (NAV)   —अवधी (AWA)— Awadhi Bible: Easy-to-Read Version (ERV-AWA)   —Български (BG)— 1940 Bulgarian Bible (BG1940) Bulgarian Bible (BULG) Bulgarian New Testament: Easy-to-Read Version (ERV-BG) Библия, нов превод от оригиналните езици (с неканоничните книги) (CBT) Библия, синодално издание (BOB) Библия, ревизирано издание (BPB)   —Chinanteco de Comaltepec (CCO)— Chinanteco de […] The post God Became Man appeared first on Luxomni Baptist Church.

Musical human Austenyo speak to the forrest and their people

CSBS, the FDIC, and the Fed have this annual conference every year about community banks. And we get together these brilliant economist, and statisticians, and we even do a poll! A poll of community banks all across the country. And we look at all the data and research, and it’s pretty informative. But we also learned pretty quickly that we weren’t capturing everything that was going on. Community banks are local, just like these local interviews that I’ve slowly learned to appreciate. So we started doing a sort of “Vox Pop” of our own, focused just on community bankers, and we call it “Five Questions for Five Bankers.” Today, I have on an expert from CSBS who works with the state regulators that gather the feedback from bankers across the country, summarizes, and publishes it for the conference. Some of what they say can be seen in data we have, and some of what they say is pretty surprising.

What do they need to know about Presta? "no I think it's fine"

Joel takes his one pass

Welcome to Simply Stated, a podcast by CSBS, the Conference of State Bank Supervisors. I am Matt Longacre. My guest today is Greg Gonzales. He is commissioner of the Tennessee Department of Financial Institutions. Like many other state regulators, the department oversees banks, credit unions, trust companies, and a variety of nonbanks. Because of this diversity, Greg says, “Our small department touches every community in the state of Tennessee.” And that comes in handy as the department looks to support the strategic plan of his new Governor, with an emphasis on assisting rural communities across the state. The regulatory approach relies on balancing two important parts of its mandate — “ensuring safety and soundness and being mindful of economic development” — while tailoring regulations to the risks presented by individual institutions, depository and non-depository alike. To Greg, that’s the best way to enable financial institutions to deliver benefits to the citizens of Tennessee. “We want to help institutions not just survive but thrive.” In our interview, Greg elaborates on his regulatory approach. He recounts how companies have thanked the department for flagging risk issues to make those companies stronger entities. He describes a large increase in assets managed by state-chartered banks — from about $40 billion a few years ago to $120 billion and more in the near future — and what conditions have led to this growth. He also speaks to his role as chairman of the State Liaison Committee of the FFIEC and the critical role that organization performs. In particular, he appreciates how federal officials have supported state efforts to assist smaller institutions on issues such as exam modernization, and how CSBS provides important staff support. And, finally, he speaks to how regulators need to do their jobs — both with industry and with consumers — to enable financial services to be delivered in a safe, sound and reliable manner. As he summarizes, “It’s all about public confidence.” A lifelong Tennessean, Greg speaks with enormous pride in the work of his department, everyone he works with outside the department, and his hopes for a better future for all those in the state. Conducting this interview is Jim Kurtzke, who recently spent the day with Greg and his staff in their offices in Nashville. Let’s go to the interview.

My best buddy Parker comes on the show and he talks to version of me from the past.

Von talks a little and get welcomed to THE JAM.

This episode Brenden tells us a little about how he got into olympic cattle herding and we hear a word from a 'sponsor'

Margaret Liu, Senior Vice President and Deputy General Counsel at the Conference of State Bank Supervisors (CSBS), speaks this week with FS Vector Partner, John Collins (@johncollins) about how states are approaching innovative new technologies and what the future for the U.S. regulatory landscape might look like. Margaret and John discuss the OCC Fintech charter and CSBS' response to that charter, virtual currencies, how states are approaching innovation, and what CSBS thinks about some calls for federal preemption of state money transmission licensing.  And we learn why her teenage daughters still consider her a tech savvy mom.

Being chairman of CSBS is no easy job. You have to lead the design and implementation of a strategic plan...represent state regulators in relationships with their federal counterparts...all while managing the regulatory department in your own state. In other words, not for the mean and mild. This is Simply Stated, a podcast by CSBS, the Conference of State Bank Supervisors. For the year ahead, into the role of chairman steps Bret Afdahl, director of the division of banking in South Dakota. We recently talked onsite at the CSBS annual meeting in San Antonio, just following his speech on what he plans for the year ahead. So let’s give a listen.

Charlotte Corley shares her perspectives on her year as CSBS chair.

Documentarian Dana Johnson joins host Christian Sanford and Christian hires a ghost exterminator on this SPOOKY episode of CSBS

PODCAST #288 How Regulators Are Shaping the Future of Banking Host Jason Henrichs talks with Meg Tahyar, partner in the Financial Institutions Group at Davis Polk & Wardwell LLP and Sarah Biller, co-founder of FinTech Sandbox about changes happening in unexpected places: regulators themselves. Meg, Sarah and Jason share their thoughts on the FDIC’s inaugural “Fintech and the Future of Banking Conference” which included participants from Treasury, OCC, CFPB, CSBS, CFTC and the FCA as well as academics and industry leaders. #BreakingBanks #Fintech #Podcast #Business #Radio (Aired 5/9)

Bradley tells us why he's an awful neighbor, I host the rock, paper, scissors championship.

The radiant Christian Sanford interview Silvia Strongbottom about cleaning up the parks and we tell you how to make the perfect meal.

Handsome talk show host Christian Sanford talks to Kennith about his bait and tackle shop and discovers some larger plans Kennith is thinking about.

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!

My favorite episodes of Barefoot Innovation are the ones that take a philosophical turn. That happened with John Ryan, the thoughtful president of the Conference of State Bank Supervisors, which is the organization that coordinates America’s state-level financial regulators. As you would expect, John and I began by discussing the events that have CSBS in the news these days. One is the launch of its Vision 2020 project to streamline state licensing and examinations for nonbank fintechs, to address the costly and monumental task these companies face in trying to grow to national scale by getting licensed state by state. The other news, and bigger controversy, is CSBS’ litigation against the Comptroller of the Currency, seeking to block the OCC’s proposal to create a national bank charter for fintechs. From these themes, though, we went on to far-ranging pondering about the future of banking, community banks and America’s communities. On the OCC charter proposal, as John knows well, I’m for it. After talking with him, I still am, but this conversation is the best case I’ve heard anywhere about what could be at stake if such a charter were to bring more consolidation of the banking system. I don’t think it would, but his insights are hearty food for thought. On Vision 2020, let me say that CSBS’s innovativeness amazes me.  At one point in the podcast John said, “we’re not very imaginative, but we get the job done.” Actually, I think they’re very imaginative, and I think the 2020 effort deserves its “visionary” labeling. CSBS is a century-old body and it is, after all, a body of regulators. Neither of those factors makes it a likely leader in innovation, nor does its daunting mandate of coordinating fifty wildly diverse state regulatory systems. And yet it plans to design and execute a high-tech transformation of how states license and supervise nonbanks (a process that, as John notes, is often still paper-based). I think other regulators can learn a lot from watching this model, both in how to design new systems and how to build buy-in from a complex set of stakeholders. This innovativeness shouldn’t be surprising because, since these states are the regulators of financial innovation. With some exceptions, the cutting edge of innovation is not in the banking system (partly because banks are so highly regulated), but rather in the nonbanks -- the startups and some of the large tech firms. And those are all almost entirely regulated by the states -- the federal government plays almost no direct role and in fact has very little contact with them. (This is one reason I support the OCC fintech charter -- because it would be the single best way for the federal regulators, who dominate national financial regulatory policy, to become expert about the technologies that are rapidly transforming all of finance. Today, they have little first-hand interaction with it. All that expertise resides in the states that license and oversee the firms that are pushing out the frontiers of the financial industry. For me, this puts a huge priority on the need for the U.S. to evolve new regulatory models, because our uniquely complex and fractured regulatory structure cannot effectively cross-fertilize the rapid learning regulators need to keep up with today’s technology. John offered plenty of philosophical thinking about all these topics, but late in the discussion we moved on to even bigger challenges, including the stresses facing America’s rural communities -- the kinds of places where people voted for disruptive change in last year’s election. John grounds his thinking about CSBS in his concern about the seemingly inexorable centralization and consolidation of banking. He worries about the role regulation plays in that, and about the future of local lending, and about the future of America. My home in New Mexico is in a small town, and I’ve done a lot of consulting in them. Years ago, I did extensive strategic planning consulting with small banks, mostly in the Midwest. I spent a many days in little towns where, when lunchtime comes and you walk to the sandwich place with the bank president, half the people on the sidewalk greet him by his first name. There’s a reason why these banks are called “pillars of the community.”  It’s because if they disappeared, things would collapse. Talking with John made me remember one holiday-season visit with a little bank, where the management team told me they’d had to cover an emergency year-end budget shortfall for three local nonprofits, which would have failed without the help. One was a health clinic, one the library, and I can’t recall the third. The giving was a significant hit to the banks earnings, but they’d done it anyway because, quite simply, no one else could -- and because without these facilities, the town’s population would continue to shrink, and age. Think about this question….What would happen to America’s rural communities if they lost their banks? And what would happen to America, if we lost our rural communities? These places are the wellspring of much of our unique national heritage. It seems to me they matter, in ways both visible and invisible. Their problems are hard to solve. They deserve new thinking, and the future of community banks has to be part of it. More information on John Ryan John Ryan is president and chief executive officer of the Conference of State Bank Supervisors, the national organization of financial regulators from all 50 states and U.S. territories.  Prior to becoming president and CEO in 2011, he was CSBS’s Executive Vice President, and Assistant Vice President of Legislative Affairs. Mr. Ryan also led the financial services consulting practice at a public affairs firm and worked on the U.S. House Banking, Finance and Urban Affairs committee. He has a B.A. in political science and economics from the University of California at Berkeley. More links Banking Exchange - Reglabs: Time for a major regulatory experiment? (My new article advocating for a new collaboration model for U.S. bank regulators, including through reglabs and a new alternative regulatory channel.) Karen Mills’ Harvard paper on small business lending and fintech, and my podcast with her. More for our listeners I hope to see you at some of my upcoming speaker events, including:   Finovate, September 13th, New York City SourceMedia’s RegTech -- Compliance Transformed, October 3-4th, Brooklyn, NY BAI Beacon/Fintech Stage, October 4-5, Atlanta, GA FISCA, October 5-8th, Las Vegas, NV Money 20/20, October 25th, Las Vegas, NV RegTech Enable, November 27-29th, Washington, DC Fintech Connect Live, December 6th, London Meanwhile, remember to review Barefoot Innovation on ITunes, and please sign up to get emails that bring you the newest podcast, newsletter, and blog posts, at  jsbarefoot.com. Be sure to follow me on twitter and facebook.  And remember, on the website, to send in your “buck a show” to keep Barefoot Innovation going. Support our Podcast SUPPORT OUR PODCAST We have new episodes coming up. We’ll be posting the series I recorded from the floor of the ABA’s annual Regulatory Compliance Conference, including one with Gene Ludwig and Alistair Renee of IBM’s Watson Financial on how artificial intelligence and machine learning will transform compliance. Those also include an interesting discussion with prominent regulatory attorney Andy Sandler. In addition we’ll talk with Sanjay Jain, who helped build India’s revolutionary “tech stack” project to capture customer identity on more than a billion people. And we’ll talk with Sopnendu Mohanty, the Chief Fintech Officer of Singapore. Keep innovating! Subscribe Sign up with your email address to receive news and updates. Email Address Sign Up We respect your privacy. Thank you!

Is YOUR company going to be ready in August for the TILA-RESPA Integrated Disclosure (TRID) rule?  If your company is counting on your LOS technology vendor to have you ready, you may be in for a surprise.  This week's program we have as our special guest Jason Roth, Co-Founder & Senior Vice President, Product Development & Engineering of ComplianceEase.  Alice Alvey, CMB will be guiding the discussion with Jason to find out how TRID will impact state laws and regulations? Is there technology that can be leveraged from the RESPA 2010 amendments? What options do we have for advanced testing and best practices for testing? And, what can he share about CSBS and AARMR?  Don't miss this broadcast.   Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and Tony Garritano providing a TECHNOLOGY UPDATE.  This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.  Is YOUR company going to be ready in August for the TILA-RESPA Integrated Disclosure (TRID) rule?  If your company is counting on your LOS technology vendor to have you ready, you may be in for a surprise.  This week's program we have as our special guest Jason Roth, Co-Founder & Senior Vice President, Product Development & Engineering of ComplianceEase.  Alice Alvey, CMB will be guiding the discussion with Jason to find out how TRID will impact state laws and regulations? Is there technology that can be leveraged from the RESPA 2010 amendments? What options do we have for advanced testing and best practices for testing? And, what can he share about CSBS and AARMR?  Don't miss this broadcast.   Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and Tony Garritano providing a TECHNOLOGY UPDATE.  This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry. 

Is YOUR company going to be ready in August for the TILA-RESPA Integrated Disclosure (TRID) rule?  If your company is counting on your LOS technology vendor to have you ready, you may be in for a surprise.  This week's program we have as our special guest Jason Roth, Co-Founder & Senior Vice President, Product Development & Engineering of ComplianceEase.  Alice Alvey, CMB will be guiding the discussion with Jason to find out how TRID will impact state laws and regulations? Is there technology that can be leveraged from the RESPA 2010 amendments? What options do we have for advanced testing and best practices for testing? And, what can he share about CSBS and AARMR?  Don't miss this broadcast.   Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and Tony Garritano providing a TECHNOLOGY UPDATE.  This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.

Becky Evans walks through the Inter-Testamental period with class. Over-viewing the Greek Empire, and introducing Rome. Key information regarding the world of the New Testament and its link to the OT historical period.