Podcasts about Senior counsel

It's Friday, February 27th, A.D. 2026. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Adam McManus Islamic State's ‘new phase' in Syria as U.S. military withdraws Within the last week, the Islamic State terror group has launched an unusual series of attacks in Syria, part of what it calls a “new phase of operations” against the 11-month-old Syrian government, reports International Christian Concern. Simultaneously, the United States is actively withdrawing from bases in the area. Fighting between Syrian government forces and U.S.-allied Kurdish forces has weakened the resistance faced by the Islamic State.  The terrorist group has been relatively inactive in and around Syria since its territorial defeat in 2019, instead shifting its focus to Africa. Syrian President Ahmed Hussein al-Sharaa was previously a member of the Islamic State and is an avowed jihadist. While he's made bold public statements about his interest in peace and tolerance, forces associated with his government have repeatedly committed or allowed mass tragedies to take place. CNN: No clear Democratic presidential frontrunner CNN data analyst Harry Enten revealed that two years away from the 2028 Democratic presidential primary season, the party's prospects look dim, reports The Western Journal. Listen. ENTEN: “This is just a downright clown car at this point on the Democratic side. I mean, just take a look here: Top choices for the 2028 Dem. pres. nominee. You have a leader, but it's not really a clear leader. It's within the margin of error. You have [Gavin] Newsom at 19%, then you have former Vice President Kamala Harris at 18% -- quite a weak number for her, given that, of course, she was the nominee the last time around. Pete Buttigieg, who, of course, has run before: 13%.  [Rep.] Alexandria Ocasio-Cortez [of New York] at 12%. “This is just a total clown car. It is a total mess. There is no clear front runner at this particular point on the Democratic side. This is very unusual for the Democratic side to not have a clear front runner. “At this point in 2020, when there was no incumbent, it was Joe Biden who was there, Hillary Clinton in both ‘08 and ‘16 and Al Gore in both 2000 and 2004 at this point were at least at 25%.” Picture leaked of Hillary Clinton in Epstein file inquiry Chaos erupted inside Hillary Clinton's Jeffrey Epstein deposition on Thursday after a Republican lawmaker took a photograph of her during the private session, reports the Daily Mail.  Republican Congresswoman Lauren Boebert of Colorado snapped a picture of Hillary at the deposition, then leaked it to conservative influencer Benny Johnson who offered his thoughts. JOHNSON: “Lauren Bobert sent me this photo and told me I could publish it just to show everyone that Hillary Clinton is testifying. It's not a big deal. This is what Hillary Clinton looks like. But her entire team lost their minds over this and started screeching about this. There's nothing wrong with posting this photo. The Clintons themselves are the ones who demanded that there be media inside of the room. They wanted this all be live streamed on TV.  So, what's wrong with this? They're just looking for an excuse to get out of this testimony. That's what's actually going on.” Hillary's lawyers asked that the proceedings be halted after the photograph began circulating on social media. Johnson spoke to Hillary's motive and claimed she had already lied in a press statement she released ahead of her testimony. JOHNSON: “She's already lied, by the way. She said that she didn't know Jeffrey Epstein, but that's not true. Not only did her husband, of course, have Jeffrey Epstein at the White House a million times, fly on his plane a million times, but Jeffrey Epstein's own emails show that he knew her multiple times. “In Jeffrey Epstein's emails, he talks about what Hillary Clinton looks like up close. He talks about meetings with Hillary Clinton. All these people are emailing Jeffrey Epstein saying, ‘Hey, man, we know that you know Hillary Clinton. Can you get me a meeting with her?' So, this seems like an obvious lie. And this is what they're trying to distract from because I posted a photo?” The former secretary of state was deposed at the Chappaqua Performing Arts Center near the Clintons' home in Westchester County, New York, while Bill Clinton will testify today.  Indiana: Christian adoptive families & agencies can affirm Biblical ethic On Wednesday, Indiana Republican Governor Mike Braun signed HB 1389, a bill that ensures families and Christian adoption and foster care groups that want to provide loving homes for kids are not pushed out because of their religious or moral beliefs, reports Alliance Defending Freedom. Greg Chafuen, Senior Counsel for the Christian legal rights group, said, “Every child deserves a loving home that can provide them stability and opportunities to grow. The sad reality is that the government in some states has discriminated against people of faith, allowing vulnerable children to suffer. Thankfully, Indiana has taken critical steps to prioritize the well-being of kids.” The anti-God forces reject the truth of Genesis 2:24 which says, “A man leaves his father and mother and is united to his wife, and they become one flesh.” How the late Jesse Jackson flip-flopped on abortion And finally, Rev. Jesse Jackson, who met his Creator on February 17th at the age of 84, was a civil rights activist and two-time presidential candidate in 1984 and 1988. Before he sold out to the abortion lobby in his aspiration to be Commander-in-Chief, LifeNews columnist Raimundo Rojas explained that Jackson “spoke with rare moral clarity about the child in the womb.” In a March 22,1973 interview, just two months after Roe v. Wade, Jackson told Jet magazine, “Abortion is genocide. Anything growing is living. … If you got the thrill to set the baby in motion, and you don't have the will to protect it, you're dishonest.” That same year Jackson said, "Abortion is too nice a word for something cold, like murder," according to the New York Times. In a column he wrote for National Right to Life News in January 1977, Jackson compared abortion to the old defenses of slavery. He warned that “the name has changed, but the game remains the same” when society strips the baby of protection. He spoke of new life with reverence, insisting, “It takes three to make a baby: a man, a woman, and the Holy Spirit.” Then ambition met party power. As Jesse Jackson moved toward a presidential run inside a Democratic Party that increasingly demanded loyalty to abortion, his public stance began to soften. By 1984, he described himself as “for freedom of choice, not pro-abortion,” and said that while he held a pro-life view, he did not want to “force” it on others through law. By 1988, he argued that “it is not right to impose private, religious and moral positions on public policy,”  according to the Washington Post. Raimundo Rojas of LifeNews concluded, “The man who once called abortion genocide now treated his convictions as a private matter. Nothing in science or reason justified that turn. What changed was the political cost of speaking on behalf of the child. “His life holds a lesson for every believer and every political leader. You cannot keep your deepest convictions in one box and your public positions in another. Do not trade moral clarity for political convenience. Do not let party loyalty silence your conscience.” Isaiah 5:20 says, “Woe to those who call evil good and good evil.” Close And that's The Worldview on this Friday, February 27th, in the year of our Lord 2026. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  Plus, you can get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

Sterling Miller knew he wanted to be a lawyer when he pulled the lawyer card while playing Life.That early realization turned into a remarkable legal career spanning private practice, in-house roles at American Airlines and Sabre, and ultimately General Counsel positions at Travelocity, Sabre, and Marketo. Today, he serves as COO, General Counsel, and Senior Counsel at Hilgers PLLC and is still very much in the game of life.Fueled by black coffee and Diet Coke (alternating, unapologetically caffeinated), Sterling has become widely known for something beyond his GC titles: his writing. In 2014, he launched Ten Things You Need to Know as In-House Counsel after realizing there was little practical, digestible guidance written specifically for in-house lawyers. What began as advice shared with younger lawyers over drinks quickly evolved into one of the most followed and respected in-house resources in the profession.The formula is straightforward and effective: take complex issues and distill them into ten things you actually need to know. That approach didn't just build a following; it led to multiple books, including The Productive In-House Lawyer: Tips, Hacks, and the Art of Getting Things Done, where Sterling dives into time management, focus, and how to operate at a high level without burning out.In this episode, Sterling talks about what it really takes to build a career with momentum. Not in a motivational-poster way — but in a practical, unglamorous, “raise your hand for the hard stuff” way. Want to be General Counsel? Volunteer for the budget work. Build the board deck. Learn how the business actually runs. Don't just be technically strong. Be indispensable.He also reflects on how in-house has evolved. What was once seen as a quieter alternative to law firm life is now a destination role. But he's clear about the tradeoffs and the importance of real training early in your career. Being in-house isn't easier. It's different. And leadership requires more than legal acumen — it requires business judgment, credibility, and trust.And because no career is one-dimensional, Sterling has also played in a band called Big Wheel (guitar, bass, harmonica, piano), writes cookbooks, devours history podcasts, and builds Halloween displays ambitious enough to require multiple storage units.Through it all, one theme keeps surfacing: persistence.If you know what you want, move toward it.If someone helped you along the way, pay it back.And if you're going to do something — whether it's writing a blog, leading a legal department, or learning a new instrument — commit to it.

In a recent episode of the award-winning Consumer Finance Monitor podcast, Alan Kaplinsky was joined by Nick Bourke, Kate Griffin, and Ballard Spahr partner Joseph Schuster to discuss a groundbreaking new report from the Aspen Institute Financial Security Program: United We Stand: A National Strategy to Prevent Scams. The episode builds on Nick and Kate's prior appearance on the podcast last July, when the report was still in development. Now finalized, the report offers one of the most comprehensive frameworks to date for addressing what has become a systemic threat to American households and the broader financial system. The Scope of the Problem: A Systemic Threat Frauds and scams are no longer isolated consumer protection issues. According to the report, U.S. households are losing an estimated $196 billion annually to scams — roughly $1 billion every couple of days. One in five American adults reports having lost money to an online scam. As Nick Bourke explained, today's scams are: ·                 Technology-enabled ·                 Highly organized and industrialized ·                 Often operated by transnational criminal organizations ·                 Accelerating due to AI and faster payment systems The so-called scam "lifecycle" includes four stages: 1.     Lead – Hooking the victim 2.     Deceive – Building trust (often through impersonation or relationship-building) 3.     Bleed – Extracting funds 4.     Clean – Laundering proceeds, often through cryptocurrency or offshore channels Different sectors see only fragments of this lifecycle; social media platforms may see the "lead," financial institutions the "bleed," and law enforcement the "clean." That fragmentation allows criminals to scale operations while defenders remain siloed. Why Scams Are Rising Despite Heavy Investment As Kate Griffin noted, industry and government are investing heavily in prevention. Yet scams continue to grow. Why? ·                 Fragmentation across sectors: No single actor sees the entire attack sequence. ·                 Outdated reporting infrastructure: Federal systems at agencies like the FBI and FTC remain manual and technologically antiquated. ·                 Regulatory uncertainty: Financial institutions and technology platforms face unclear expectations about what data they can use and share. ·                 Speed of modern payments: Faster money movement means faster losses. Joseph Schuster emphasized that many financial institutions are strongly incentivized to prevent fraud as they often bear reputational and financial risk when scams succeed. But legal ambiguity, especially under statutes like the Fair Credit Reporting Act, can chill data-sharing and innovation. Core Recommendations from the Aspen Report The report outlines both high-level national reforms and granular operational improvements with more than 180 specific ideas. 1. Elevate Scam Prevention to a National Priority The report calls for: ·                 A designated federal lead (or "czar") to coordinate strategy ·                 A whole-of-government approach ·                 Clear national goals and metrics Without centralized leadership, enforcement and regulatory actions remain fragmented.  2. Modernize Law Enforcement Reporting Systems Federal reporting portals, including Suspicious Activity Reports (SARs), the FBI's complaint systems, and the FTC's databases, require modernization. The report recommends: ·                 Streamlined, automated reporting ·                 Backend data interoperability across agencies ·                 Advanced analytics and AI tools for enforcement 3. Establish Clear Duties to Act Paired with Safe Harbors One of the most important themes discussed was the need for: ·                 Clear expectations for banks, telecom companies, and digital platforms ·                 Safe harbors that protect companies when sharing scam intelligence in good faith Countries like Australia have already codified such frameworks. The U.S. has yet to establish similarly coordinated standards. 4. Build a Cross-Sector Information-Sharing Ecosystem Effective scam prevention requires: ·                 Exchange of scam indicators (malicious URLs, compromised phone numbers, device patterns) ·                 Interoperable information-sharing platforms ·                 Privacy-preserving architecture ·                 Legal clarity to mitigate antitrust and consumer reporting concerns Joseph noted that industry appetite for collaboration is strong but clarity and guardrails are essential. 5. Consider a U.S. National Anti-Scam Center The report explores the idea of a centralized "front door", potentially something like stopscams.gov, that would: ·                 Serve as a national reporting hub ·                 Provide victim resources ·                 Facilitate coordination among law enforcement ·                 Support public education campaigns Social Media and Platform Responsibility The discussion also addressed the evolving role of digital platforms. Scam activity frequently originates through: ·                 Paid advertisements ·                 Dating applications ·                 Direct messaging ·                 Fake investment websites Compared to banks, social media companies operate within a less clearly defined regulatory structure. Courts are increasingly developing theories of "platform liability," but statutory clarity is lacking. The report urges policymakers to define reasonable expectations for platforms — paired with safe harbors and practical tools that empower prevention rather than merely assign blame. What Happens Next? The key question: who implements this strategy? Kate Griffin emphasized that this is a whole-of-society problem requiring coordinated action by: ·                 Federal leadership ·                 Congress ·                 Financial institutions ·                 Telecom and digital platforms ·                 Law enforcement ·                 Civil society There have been encouraging developments, including: ·                 Treasury and State Department sanctions targeting transnational scam networks ·                 A joint DOJ–FBI–Secret Service initiative targeting Southeast Asian scam operations o   But much more remains to be done. Nick Bourke suggested that, one year from now, real success would include: ·                 A designated federal anti-scam lead ·                 A congressional commission ·                 Measurable national prevention goals ·                 Corporate adoption of formalized anti-scam strategies Joseph Schuster added that industry innovation is ongoing, particularly in artificial intelligence, biometrics, and authentication, but warned that fragmented state-level regulation could complicate progress. Key Takeaways Alan Kaplinsky closed the episode with several important observations: ·                 Fraud and scams are now a systemic threat, not a niche compliance issue. ·                 Prevention, not just reimbursement, must be the organizing principle. ·                 Coordination matters as much as authority. ·                 Good-faith companies need regulatory clarity, not just enforcement pressure. ·                 Reducing scams strengthens trust in the U.S. financial system and digital economy. The Aspen report reframes the debate. Rather than assigning blame, it calls for aligned incentives, shared responsibility, and coordinated national action. If the title of the report, United We Stand, becomes reality, the United States may finally begin to bend the curve on one of the most costly and fast-growing threats facing consumers today. For more insights on consumer financial services developments, visit Ballard Spahr's Consumer Finance Monitor blog and explore the full Aspen Institute report here. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

It's Wednesday, February 25th, A.D. 2026. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com. I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark Yemen authorities arrested 20 Christians Authorities in Yemen, a country in the Middle East bordering Saudi Arabia to the north, have arrested at least 20 Christians in recent months. For simply professing Christ, these believers can face torture and even death. The Islamic country is located in the south of the Arabian peninsula. It is illegal for Christians to publicly display or share their faith there.  International Christian Concern notes, “The arrests in Yemen paradoxically confirm what missionaries and human rights observers have long suspected: despite being one of the most dangerous places on Earth to be a Christian, Yemen hosts a growing indigenous church.” According to Open Doors, Yemen is the third most oppressive country worldwide for Christians. In Matthew 16:18, Jesus said, “On this rock I will build My church, and the gates of Hell shall not prevail against it.” Christian Canadian fined $750,000 for opposing gender confusion The British Columbia Human Rights Tribunal fined a Canadian Christian $750,000 last week for opposing gender confusion. Barry Neufield is a former Board of Education trustee for the district of Chilliwack. He posted on social media that there are only two sexes, and he opposed transgender ideology in the schools. Neufield wrote on Facebook that the widespread embrace of such ideology has “demonized people of faith who believe that God created humans male and female: In the Image of God.” Judge fined Maryland school district for promoting sexual perversion In the United States, a federal judge fined Maryland's largest school district $1.5 million last week for promoting sexual perversity. Parents sued Montgomery County Public Schools for not allowing them to opt their children out of storybooks featuring such perversity. Eric Baxter with The Becket Fund for Religious Liberty commented, “Public schools nationwide are on notice: running roughshod over parental rights and religious freedom isn't just illegal—it's costly.” Louisiana allowed to display 10 Commandments in classrooms Louisiana can now enforce its law for every public school classroom to display the Ten Commandments.  The 5th U.S. Circuit Court of Appeals issued the ruling last week in favor of the displays. The ruling stated, “There can be no doubt that the Ten Commandments bear immense religious significance. … But they also ‘have historical significance as one of the foundations of our legal system.'” Deuteronomy 6:7 and 9 says this of God's commandments: “You shall teach them diligently to your children, and shall talk of them when you sit in your house, when you walk by the way, when you lie down, and when you rise up. ... You shall write them on the doorposts of your house and on your gates.” Vermont foster families allowed to affirm Biblical view The state of Vermont will no longer require families to abandon their religious beliefs in order to be foster families. The new policy comes thanks to the litigation of Alliance Defending Freedom. The issue began after Vermont revoked the licenses of two Christian families for opposing gender confusion.  The Christian legal rights group's Senior Counsel, Johannes Delphonse, said, “This is an incredible victory for children in Vermont's foster-care system.” Conservative Methodist denomination hits 7,000 churches worldwide The Global Methodist Church recently announced it reached 7,000 churches worldwide.  The denomination launched in 2022 after years of internal conflict within the United Methodist Church over human sexuality. Many theologically conservative churches left the mainline denomination since then. The Global Methodist Church posted on Facebook, “This moment reminds us that growth isn't just measured in numbers — it's found in repentance, renewal, and lives being transformed by Jesus Christ.” U.S. economy growing slower than expected U.S. economic growth was slower than expected during the fourth quarter of 2025. The U.S. Bureau of Economic Analysis reported real gross domestic product increased at an annual rate of 1.4 percent last quarter. That's down from 4.4 percent during the third quarter and much lower than expectations.  Government spending was down during the fourth quarter because of the record-length shutdown.  Chicago man saved baby out of frigid Lake Michigan And finally, a Chicago man saved an eight-month-old baby from the frigid 35-degree waters of Lake Michigan last Wednesday.  Block Club Chicago reports 30-year-old Lio Cundiff was taking a walk along the lake at Belmont Harbor. That's when he heard a woman scream. Gusting winds had sent her stroller with her baby into the lake.  Cundiff can't swim. But he dove in to save the baby anyways. He wasn't sure how long he could keep her above water, but thankfully other bystanders stepped in and helped.  He said, “If she's going down, I'm going down with her. I couldn't live with myself if that baby hadn't made it. … If it wasn't for everyone being alert and helping, I don't know what would've happened. I'm very thankful.” Close And that's The Worldview on this Wednesday, February 25th, in the year of our Lord 2026. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  Plus, you can get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

In the first medical malpractice verdict of its kind, a New York jury awarded $2 million to a detransitioner who sued the clinicians responsible for performing a double mastectomy when she was 16 years old. The case marks a historic legal development and signals the emergence of a new frontier in medical malpractice litigation. At its core are difficult and consequential questions about standards of care, informed consent, particularly for minors undergoing irreversible medical interventions, and the extent to which existing malpractice frameworks are equipped to address these medical practices.This webinar will examine the legal significance of this landmark verdict and situate it within a growing group of detransitioner claims nationwide. Panelists will explore how courts may analyze allegations of inadequate screening, deficient consent processes, and departures from accepted professional standards. The discussion will also consider how these cases may shape future malpractice doctrine and affect risk exposure for physicians and healthcare systems.Beyond individual liability, the program will address the role of hospitals and medical institutions in establishing and enforcing these controversial treatments. To what extent can healthcare systems be held responsible for systemic failures in oversight, documentation, or patient evaluation? Featuring: Erin Hawley, Senior Counsel and Vice President at Alliance Defending FreedomMark Trammell, General Counsel, Center for American Liberty(Moderator) Sarah Perry, Vice President and Legal Fellow, Defending Education(Special Introduction) Mary Margaret Olohan, Author of DeTrans: True Stories of Escaping The Gender Ideology Cult; White House Correspondent, The Daily Wire

Each month, a panel of constitutional experts convenes to discuss the Court’s upcoming docket sitting by sitting. The cases covered in this preview are listed below.Havana Docks Corporation v. Royal Caribbean Cruises, (February 23) - International Law, LIBERTAD Act; Issue(s): Whether a plaintiff under Title III of the LIBERTAD Act must prove that the defendant trafficked in property confiscated by the Cuban government as to which the plaintiff owns a claim, or instead that the defendant trafficked in property that the plaintiff would have continued to own at the time of trafficking in a counterfactual world "as if there had been no expropriation.Exxon Mobil Corp. v. Corporación Cimex, S.A. (February 23) - International Law, FISA; Issue(s): Whether the Helms-Burton Act abrogates foreign sovereign immunity in cases against Cuban instrumentalities, or whether parties proceeding under that act must also satisfy an exception under the Foreign Sovereign Immunities Act.Enbridge Energy, LP v. Nessel (February 24) - Civil Procedure; Issue(s): Whether district courts have the authority to excuse the 30-day procedural time limit for removal in 28 U.S.C. § 1446(b)(1).Pung v. Isabella County, Michigan (February 25) - Property Rights; Issue(s): (1) Whether taking and selling a home to satisfy a debt to the government, and keeping the surplus value as a windfall, violates the takings clause of the Fifth Amendment when the compensation is based on the artificially depressed auction sale price rather than the property’s fair market value; and (2) whether the forfeiture of real property worth far more than needed to satisfy a tax debt but sold for a fraction of its real value constitutes an excessive fine under the Eighth Amendment, particularly when the debt was never actually owed.United States v. Hemani (March 2) - 2nd Amendment, Criminal Law; Issue(s): Whether 18 U.S.C. § 922(g)(3), the federal statute that prohibits the possession of firearms by a person who “is an unlawful user of or addicted to any controlled substance,” violates the Second Amendment as applied to respondent.Hunter v. United States (March 3) - Criminal Law; Issue(s): (1) Whether the only permissible exceptions to a general appeal waiver are for claims of ineffective assistance of counsel or that the sentence exceeds the statutory maximum; and (2) whether an appeal waiver applies when the sentencing judge advises the defendant that he has a right to appeal and the government does not object.Montgomery v. Caribe Transport II, LLC (March 4) - Labor and Employment Law; Issue(s): Whether a federal statute, 49 U.S.C. § 14501(c), preempts a state common-law claim against a broker for negligently selecting a motor carrier or driver.Featuring: Jay R. Carson, Senior Litigator, The Buckeye InstituteJeffrey S. Hobday, Assistant Attorney General, Opinions Unit, Ohio Attorney General’s OfficeMary E. Miller, Partner, Lehotsky Keller Cohn LLPZack Smith, Legal Fellow and Manager, Supreme Court and Appellate Advocacy Program, The Heritage FoundationJordan Von Bokern, Senior Counsel, U.S. Chamber Litigation Center(Moderator) Sam Gedge, Senior Attorney, Institute for Justice

On today's Consumer Finance Monitor podcast, we are releasing an episode about a timely and wide-ranging discussion on one of the most significant and fastest-evolving developments in commercial finance: the rapid "consumerization" of small business lending law. In this episode, host Alan Kaplinsky welcomes Louis Caditz-Peck, Executive Director of the Responsible Business Lending Coalition (RBLC), for an in-depth conversation about the proliferation of state small business lending protection statutes, the policy debates driving them, and what they mean for lenders, fintechs, banks, and small business borrowers. From Self-Regulation to State Law: How We Got Here For decades, commercial lending operated under a fundamentally different regulatory framework than consumer credit. The prevailing assumption was that business borrowers were sophisticated, negotiated their transactions, and did not need standardized disclosures or suitability-type protections. That assumption has eroded. As Louis explains, since the financial crisis, and particularly with the growth of online and fintech lending, small business financing has changed dramatically. Community banks have pulled back. Non-bank online platforms have expanded. New products, including merchant cash advances and other revenue-based financing arrangements, have proliferated. At the same time, concerns have grown about: Opaque pricing structures Misleading "interest rate" representations Broker incentives that steer borrowers into higher-cost products Repeated refinancing of unaffordable obligations These concerns led to the development of the Small Business Borrower's Bill of Rights, a set of industry standards first launched in 2015 at the Aspen Institute by a coalition of lenders, small business groups, and nonprofit advocates. What began as a voluntary, self-regulatory effort quickly became a blueprint for legislation. California's SB 1235 in 2018 marked the first major small business truth-in-lending law. Since then, according to Louis, 19 small business financial protection laws have been enacted across multiple states, with California and New York leading the way. The "Consumerization" of Small Business Lending A central theme of the episode is whether we are witnessing the "consumerization" of small business lending. Many of the new state laws borrow heavily from consumer credit concepts, including: APR-style cost disclosures Total cost of financing disclosures Payment schedule requirements Prepayment and fee transparency Restrictions on certain contractual provisions Some states have layered on licensing or registration requirements for small business finance providers. Others incorporate or supplement state UDAP (unfair and deceptive acts and practices) standards, which may apply to certain business-to-business transactions as well as consumer transactions. The policy rationale is straightforward: many "Main Street" businesses are effectively sole proprietorships or closely-held operations without in-house finance or legal teams. Legislators increasingly view these borrowers as closer to consumers than to large corporations with treasury departments and inside or outside counsel. As Alan and Louis discuss, the regulatory shift raises serious operational and compliance challenges, particularly given the state-by-state patchwork of requirements. The Compliance Conundrum: Patchwork and Harmonization A recurring concern is whether the proliferation of state laws imposes disproportionate burdens on smaller lenders and startups, especially compared to large institutions with robust legal and compliance infrastructures. Louis emphasizes that RBLC has actively worked to promote interstate harmonization, particularly between California and New York. For example: Advocating for standardized disclosure forms that can be used in multiple states Aligning definitions and disclosure triggers Encouraging estimated APR calculations for revenue-based financing However, not all states have followed a harmonized approach. Some laws, particularly those focused narrowly on merchant cash advances, have created divergent requirements, complicating multi-state compliance. As Alan notes, the trend presents both risk and opportunity for lenders and their counsel. The regulatory environment is no longer static. Companies offering small business financing must assume that: Cost disclosures will likely be required in more states Registration or licensing may apply Enforcement risk—particularly under state UDAP statutes—will increase Section 1071 and Federal Uncertainty The episode also explores the role of the CFPB under Section 1071 of the Dodd-Frank Act, which requires data collection on small business lending to: 1.     Identify potential discrimination, and 2.     Assess whether certain markets are underserved. The CFPB finalized its 1071 rule in 2023 under then Director Rohit Chopra. Multiple legal challenges followed. Under the current administration, a notice of proposed rulemaking has sought to scale back and slow implementation. At the same time, the Federal Trade Commission has signaled an interest in using its enforcement authority to address unfair or deceptive acts or practices affecting small businesses—underscoring an intriguing tension within federal regulatory policy. As Louis observes, the debate is not simply about reducing or expanding government. It is about how government authority will be used and whether transparency and enforcement will be advanced through rulemaking, litigation, or state initiatives. Merchant Cash Advances and Revenue-Based Financing A particularly nuanced part of the discussion focuses on merchant cash advances (MCAs) and other sales-based financing products. These arrangements typically involve: An advance of funds in exchange for a fixed repayment amount Payments tied to a percentage of daily or periodic sales Variable duration depending on business performance RBLC's position, as Louis explains, is product neutral. The coalition does not advocate banning product categories or imposing rate caps. Instead, it focuses on responsible practices, including transparent pricing and assessment of ability to repay. Importantly, none of the major state lending protection laws impose interest rate caps. The emphasis is on disclosure and market transparency rather than price regulation. Who Is Covered—and Who Is Not? Most state small business truth-in-lending statutes apply to financing of $500,000 or less (with some variation, such as New York's $2.5 million threshold following gubernatorial revision). Coverage often includes: Closed-end loans Open-end lines of credit Sales-based financing/MCAs Factoring (in some states) Banks are generally exempt from these statutes, though non-bank "providers" presenting the offer of credit may still have disclosure obligations even in bank partnership models. As Alan highlights, this raises interesting competitive and policy questions about level playing fields across banks and non-banks. Looking Ahead to 2026 Both speakers agree: this trend is not going away. With significant percentages of small business owners reporting difficulty accessing affordable capital—and a substantial minority reporting harm from predatory practices—state legislators remain motivated to act. The key policy question is not whether regulation will expand, but how. Well-designed transparency frameworks can: Promote price competition Reward responsible innovation Improve borrower decision-making Poorly harmonized or overly rigid frameworks, however, risk increasing compliance costs and reducing credit availability. As Alan notes in his closing remarks, small business finance regulation is becoming a core area of growth for law firms and compliance professionals historically focused on consumer financial services. The line between consumer and commercial finance continues to blur.  Alan noted that the Consumer Financial Services Group which he founded and chaired for 25 years has counseled and represented small business lenders for decades. For lenders, fintechs, banks, and their advisors, understanding these developments is no longer optional—it is essential. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

In this episode of Just Compensation, Megan Monson and Amy C. Schwind discuss legal considerations regarding commission payment, covering the key components of commission plans. They advise against ambiguity in plans by suggesting employers prepare clear, written commission plans that define eligibility, earning criteria, calculation, and payment timing while complying with state wage-and-hour and tax laws. Speakers: Megan Monson, Partner, Executive Compensation and Employee Benefits Amy C. Schwind, Senior Counsel, Employment

In this episode, Foley's List barristers Rohan Hoult and Sarah Fisken SC discuss the process of applying for Senior Counsel and share insights into what the journey to silk involves. Later, Radu Catrina, Partner at Berry Family Law, shares recent authorities as they explore the key considerations and reasons underpinning applications for a change of residence.

Crypto's current policy window in Washington is a rare opportunity to pass market structure legislation. What happens if the industry walks away from a compromise now?Bill Hughes, Senior Counsel and Director of Global Regulatory Matters at Consensys, joins the podcast to discuss crypto market structure and stablecoin policy.Timestamps➡️ 1:10 — Why Agriculture and Banking Committees shape crypto legislation➡️ 4:20 — How agencies influence drafting behind the scenes➡️ 6:40 — Stablecoin yield and illicit finance: the real sticking points➡️ 9:20 — DeFi regulation debates➡️ 17:00 — Is the Clarity Act likely to pass in 2026?➡️ 18:00 — Ethics provisions and political tensions➡️ 20:13 — Coinbase's strategy➡️ 26:35 — Stablecoin yield fights ➡️ 33:00 — Legislative timelines ➡️ 45:36 — What to watch nextSponsor: Day One Law, a boutique corporate law firm founded by Nick Pullman. Nick and his team at Day One provide strategic legal counsel to startups, crypto projects, and Web3 innovators. ⁠You can get in contact with them via this link⁠: ⁠⁠https://www.dayonelaw.xyz/#contact Resources:

Michael Froelich, Senior Counsel at Taft Law, joins Karen Conti to talk about the legality of cannabis nationwide. Michael discusses the difference between hemp and cannabis, the risks of traveling with cannabis, why banks are leery in providing loans for cannabis businesses, and whether cash is still the only method of payment allowed to purchase […]

The jobs report has come out, is it everything it appears to be on the surface? SIMON asks JOE LOVORGNA, Senior Counsel to Sec. of Treasury Scott Bessant. There's big growth in the private sector but are the public sector number actually what they seem?

In the episode of the Consumer Finance Monitor podcast we are releasing today, we examine what may be the most consequential development in New York consumer protection law in nearly half a century: the enactment of the New York State Fair Business Practices Act (the FAIR Act). Signed into law in December 2025 and taking effect on February 17, 2026, the FAIR Act represents the first comprehensive overhaul of New York General Business Law § 349 in almost 50 years. Long focused primarily on deceptive acts and practices, Section 349 has now been expanded to expressly prohibit unfair and abusive business practices as well—bringing New York law far closer to the federal UDAAP framework under the Consumer Financial Protection Act. To explore what changed, why it matters, and how the law will be enforced in practice, Alan Kaplinsky (founder and former leader of the Consumer Financial Services Group at Ballard Spahr LLP and now Senior Counsel and host of Consumer Finance Monitor) is joined by two senior officials from the New York Attorney General's Bureau of Consumer Frauds and Protection who were directly involved in shaping and implementing the statute: ·        Jane Azia, Chief of the Bureau of Consumer Frauds and Protection ·        Alec Webley, Assistant Attorney General and one of the attorneys who helped shepherd the FAIR Act through the legislative process What followed was a wide-ranging and unusually candid discussion of the statute's origins, scope, enforcement implications, and practical lessons for businesses operating in, or affecting, New York. From Deception to Unfairness and Abusiveness For decades, New York's consumer protection regime lagged behind most other states and federal regulators by focusing almost exclusively on deception. As Jane Azia explained, deception alone often fails to capture conduct that is plainly harmful to consumers, particularly where disclosures technically exist but are obscured, consumers are subjected to high-pressure tactics, or businesses exploit significant informational or power asymmetries. The FAIR Act closes those gaps by expressly prohibiting: ·        Unfair practices, modeled closely on the FTC's longstanding unfairness framework ·        Abusive practices, drawing heavily on more than a decade of CFPB enforcement experience Importantly, while the statute borrows from federal concepts of unfairness and abusiveness, New York is not bound to follow future CFPB reinterpretations. As Alec Webley emphasized, the legislature carefully chose its language, expressly incorporating only certain federal elements (such as the FTC's "substantial injury" concept) while deliberately declining to tether New York law to future federal regulatory shifts. Broader Scope Than Federal Law One of the most significant differences between the FAIR Act and federal consumer protection law is scope. Jane Azia pointed out that unlike the federal Consumer Financial Protection Act, which applies primarily to financial services, the FAIR Act applies to all business activity occurring in, or affecting consumers in, New York. That means unfair or abusive conduct by non-financial businesses now squarely falls within the Attorney General's enforcement authority. The statute also avoids many of the preemption constraints that can limit state enforcement against national banks under federal law, because it is a law of general application rather than a banking regulation. No Rulemaking—But Clear Signals The FAIR Act does not grant the Attorney General rulemaking authority, and the AG's office does not currently plan to issue formal regulations or written guidance. Instead, businesses should expect the meaning of "unfair" and "abusive" to be fleshed out through enforcement actions, settlements, and existing federal precedent. That said, the Attorney General has already identified categories of conduct likely to draw scrutiny, including: ·        Steering borrowers into unnecessarily costly repayment options ·        High-pressure sales tactics ·        Obscured or misleading pricing ·        Exploitation of consumers with limited English proficiency ·        Misleading marketing in health care, auto sales, and emerging financial products Several examples discussed on the podcast, including enforcement actions involving e-cigarettes, earned wage access products, and savings account practices, illustrate how the AG's office has already been applying unfairness and abusiveness theories under existing authority, and how the FAIR Act now allows those claims to be brought directly under state law. Remedies and Enforcement Tools The FAIR Act does not dramatically alter the remedies available to the Attorney General, but it reinforces a powerful enforcement arsenal, including: ·        Injunctive relief ·        Restitution ·        Civil penalties ·        Disgorgement ·        Expedited "special proceedings" that can allow the AG to move quickly in court to halt unlawful conduct As a reminder, recent amendments to Article 22-a of the general business law also significantly increased civil penalties for violations of section 349 occurring during disasters or abnormal market disruptions, an issue businesses should not overlook. Extraterritorial Reach and Coordination with Other Regulators The discussion also addresses a recurring compliance question: when New York law applies beyond New York's borders. In general, the statute applies where conduct occurs in New York or where New York consumers are harmed. It can also apply to out-of-state consumers harmed by New York-based businesses. By contrast, purely out-of-state conduct with no meaningful New York nexus typically falls outside the statute's reach. The episode also explores how the Attorney General coordinates with: ·        Other state attorneys general in multi-state investigations, ·        The New York Department of Financial Services, ·        The New York City Department of Consumer and Worker Protection, and ·        Federal agencies such as the FTC. Even as federal consumer protection enforcement ebbs and flows, the states, and New York in particular, remain active and increasingly influential. Practical Takeaways for Businesses A central theme of the discussion was that the FAIR Act is not a reason to relax compliance efforts—quite the opposite. As Alec Webley noted, statutes like this create an opportunity for companies and their counsel to step back, reassess business practices, and ask hard questions: ·        Are consumers complaining about this practice? ·        Is it genuinely necessary to the business? ·        Does it obscure costs or risks? ·        Would the company be comfortable seeing it described on the front page of a major newspaper? Practices that may have survived under a narrow deception standard could now pose real enforcement risk under broader unfairness and abusiveness principles. Looking Ahead Both guests emphasize that the FAIR Act was drafted with care and restraint, and that early enforcement actions are likely to fall squarely within the statute's text and intent. At the same time, emerging technologies, particularly digital marketing, fine-print disclosures on mobile devices, and the use of AI, are clearly on the Attorney General's radar. The bottom line is clear: the FAIR Act marks a fundamental shift in New York consumer protection law. With its February 17, 2026 effective date now here, businesses operating in or affecting New York should be taking this development seriously by reviewing practices, strengthening compliance frameworks, and preparing for a more expansive and assertive enforcement environment. We will continue to track developments under the FAIR Act and report on key enforcement actions and interpretations as they unfold. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Vice President JD Vance is one of the most influential Republicans in America. But unlike many politicians, he is a public intellectual. Long before holding office, he was a prolific writer and speaker, wrestling with the core issues facing conservatism in America. Vance has emerged to be in many ways the intellectual synthesizer of various emerging threads of the GOP in law, politics, and culture. To discuss the Vice President in light of these themes, we are delighted to have legal and political analyst Frank DeVito on the Podcast. In his new book, which is also his first book, JD Vance and the Future of the Republican Party, DeVitoexamines Vance's body of intellectual and political work with an eye toward what that portends for the future of GOP politics and conservatism writ large. DeVito serves as Senior Counsel and Director of Content at Napa Legal. Prior to his position at Napa Legal, he served as the full-time solicitor for the Carbon County, PA Children & Youth Services Agency, and before that was an associate at the law firm of Lesavoy Butz & Seitz LLC. His written work hasbeen published in the Claremont Review of Books, National Affairs, The American Conservative, The Federalist, First Things, The Public Discourse, and several other publications.Buy the book on Amazon here.

A new study reveals acceptance for gay behavior is dropping at big levels, and the HRC is losing corporations at a record fast pace, no longer willing to be bullied. So why are public schools, such as Seattle, pushing the LGBTQ ideology on kids as young as 5 and not allowing opt-outs? Even after a big SCOTUS case, they doubled down! Kate Anderson, Senior Counsel and Director of the Center for Parental Rights with ADF, joins us to explain ways parents can push back. Parental Rights – Alliance Defending Freedom (https://adflegal.org/issues/parental-rights/)

Recently, we've seen an escalation in efforts to meddle with elections, from the dangerous SAVE Act, which is gaining momentum in Congress, to President Trump himself calling for “nationalizing” the counting of ballots.  Less known is how the administration is leveraging the Department of Justice (DOJ) to subvert the vote. Over the last several months, the DOJ has been demanding access to voter rolls and suing states that don't comply — a move that is not only unlawful but raises numerous alarms.  In this episode, former DOJ officials and Brennan Center experts break down what's happening inside the department, why it matters for the future of free and fair elections, and what can be done to stop the administration from undermining the rule of law.Recorded on February 10, 2026.Speakers:Eileen O'Connor, Senior Counsel and Manager, Democracy Program, Brennan Center Chris Berger, Patricia Bauman Senior Fellow, Brennan CenterHost: Michael Waldman, President and CEO, Brennan CenterKeep up with the Brennan Center's work by subscribing to our weekly newsletter, The Briefing, at https://go.brennancenter.org/briefing.The Brennan Center is a nonpartisan law and policy institute that works to repair, revitalize, and defend our systems of democracy and justice so they work for all Americans. The Brennan Center cannot support or oppose any candidate for office.

Una Keightley,  Co-lead of the Spina Bifida Paediatric Advocacy Group followed by reaction from Raymond Bradley, Senior Counsel and Solicitor who represents a number of the families involved & Marie Sherlock, Labour Party TD for Dublin Central

0:30 - Fired WaPo workers protest 12:40 - Ald. Rossana Rodriguez=Sanchez (33rd Ward) on CPS student ICE protestors: raising the society we're going to have in a decade 33:16 - Notoriously Lizzie arrested 56:36 - Bob Kraft Super Bowl ad 01:15:16 - C. Steven Tucker of HealthInsuranceMentors.com on Trump Rx and the major healthcare reforms coming soon that could make a big difference. 01:34:30 - Senior Counsel at the Article III Project, Will Chamberlain, says The Fix is in as anti-ICE judges stall immigration enforcement. Follow Will on X @willchamberlain 01:50:38 - Founder/CIO of Perry International Capital Partners, James Perry: You wouldn’t know it from the news but the stock market is only 2% from all time high numbers. For more on Perry International Capital Partners 02:11:44 - Open Mic Friday!See omnystudio.com/listener for privacy information.

On this episode of the Ballard Spahr Consumer Finance Monitor Podcast, we examine consumer debt and bankruptcy through the lens of Debt's Grip: Risk and Consumer Bankruptcy (University of California Press, 2025), by Pamela Foohey, Robert M. Lawless, and Deborah Thorne. Based on decades of research from the Consumer Bankruptcy Project, the nation's most comprehensive study of bankruptcy filers, Debt's Grip goes beyond aggregate data to document the lived experience of financial distress. The book shows how illness, job loss, aging, family structure, debt collection, and racial inequality converge to push households toward bankruptcy and what that reveals about how financial risk is allocated in the U.S. economy. Rather than treating bankruptcy as a personal failure, the authors demonstrate how policy choices over time shifted economic risk from institutions to individuals, leaving many households one unexpected expense away from crisis. Those risks fall unevenly, with Black families, single mothers, and older Americans disproportionately affected. The Authors Pamela Foohey, Allen Post Professor of Law, University of Georgia School of Law, is a principal investigator with the Consumer Bankruptcy Project and a leading scholar on bankruptcy and financial distress. Robert M. Lawless, Max L. Rowe Professor of Law, University of Illinois College of Law, is a nationally recognized empirical scholar of bankruptcy and consumer finance and a principal investigator of the Consumer Bankruptcy Project. Deborah Thorne, Professor of Sociology at the University of Idaho, brings a critical sociological lens, foregrounding the voices and experiences of bankruptcy filers. She also is a principal investigator of the Consumer Bankruptcy Project. Podcast Highlights In the episode, we discuss: ·        Why people actually file for bankruptcy ·        The debts most likely to lead to financial collapse ·        How households struggle to stay afloat before filing ·        The role of debt collection and litigation ·        How people come to see bankruptcy as a solution ·        Policy reforms that could reduce reliance on credit during hardship Key Takeaways ·        Bankruptcy is rarely about irresponsibility. It is often the endpoint of systemic risk-shifting. ·        Financial distress is structurally unequal. Race, age, gender, and health matter. ·        Filers exhaust alternatives before filing. Bankruptcy reflects resilience under pressure, not moral hazard. ·        Policy choices matter. Stronger safety nets and a more humane bankruptcy system can reduce financial harm. Conclusion Debt's Grip offers a rigorous, data-driven, and deeply human account of consumer bankruptcy in America. It challenges entrenched myths and provides valuable insight for policymakers, regulators, and industry participants alike. We thank Professors Foohey, Lawless, and Thorne for joining the podcast and for their important contribution to the field. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Into the news and Conspiracy Theory Thursday, Hey...what about Pres. Trump talking up Ted Cruise for Supreme Court? Phillip Jauregui, Senior Counsel, AFA Action explains the chess pieces on the judicial board!

What could the future of U.S. crypto regulation look like from the CFTC—and how should regulators approach tokenization, prediction markets, and stablecoins as digital finance moves on-chain?Chris Giancarlo is Senior Counsel for Corporate and Financial Services at Willkie Farr & Gallagher and the former Chair of the U.S. Commodity Futures Trading Commission, where he oversaw the regulation of futures, options, and swaps markets, including the launch of Bitcoin futures.Timestamps:➡️ 1:15 — Advice for new CFTC Chair Mike Selig➡️ 3:06 — Why crypto inverts the CFTC's traditional regulatory model➡️ 6:53 — How the SEC and CFTC should divide authority over digital assets➡️ 8:54 — Why the commodity vs. security distinction still matters➡️ 15:13 — DTCC's no-action relief and the future of tokenized market infrastructure➡️ 19:27 — Will TradFi absorb crypto—or will crypto reshape TradFi?➡️ 21:46 — Prediction markets, federal preemption, and state resistance➡️ 27:40 — Why prediction markets need regulation, not suppression➡️ 29:42 — Stablecoins, privacy, and exporting U.S. values through digital dollarsSponsor: This episode is brought to you by the Decentralization Research Center (DRC), a nonprofit think tank advocating for decentralization in emerging technologies. Learn more at thedrcenter.org.Resources

¿Resistirá la distinción entre responsables y encargados del tratamiento a la evolución y modularización de las relaciones comerciales? ¿Es realmente gestionable la pirámide (o Matrioska) de subencargados?César Naveira es abogado, Senior Counsel para protección de datos e Inteligencia Artificial en la oficina londinense de Mastercard desde hace cuatro años, habiendo pasado antes cinco años en American Express como director del equipo de protección de datos en EMEA. Antes de esto trabajó en Barclays, incluyendo el rol de DPO de Barclaycard en España y Portugal. César se formó además profesionalmente en la Agencia Española de Protección de Datos, donde pasó casi tres años.Referencias:* César Naveira Barrero en LinkedIn* Elizabeth Renieris: On the illusion of control and the trade-offs of innovation (Masters of Privacy, marzo de 2021)* Dictamen 22/2024 dictamen sobre determinadas obligaciones derivadas de la dependencia de los encargados y subencargados del tratamiento (octubre de 2024)* Robert Bateman: the EDPB's Opinion on auditing subprocessors and the future of Meta's unskippable ads (Masters of Privacy, noviembre de 2024)* Javier Sempere: reclamaciones transfronterizas, sanciones por brechas declaradas y multas curiosas (Masters of Privacy, noviembre de 2025)* Caso por responsabilidad derivada de la falta de control sobre los sub-encargados (incumplimiento del artículo 28 del RGPD) de una empresa de “streaming” (Tribunal Regional de Lübeck) [DE]. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.mastersofprivacy.com/subscribe

In this episode of the Consumer Finance Monitor Podcast, we examine one of the most closely watched and increasingly controversial developments in consumer finance: earned wage access (EWA) products. EWA products allow workers to access a portion of wages they have already earned before their scheduled payday. Proponents describe these products as a valuable financial tool that helps consumers manage cash-flow shortfalls without resorting to traditional payday loans. Critics, including the Center for Responsible Lending (CRL), argue that EWA products function as high-cost credit, often involving opaque fees that can trap consumers in cycles of debt. Our panel brings together industry and advocacy perspectives to explore the research, legal arguments, and regulatory uncertainty surrounding EWA, a market that has grown rapidly but remains unevenly regulated. Meet the Speakers ·        Alan Kaplinsky – Host and moderator. Founder and former Practice Group Leader of Ballard Spahr's Consumer Financial Services Group; now Senior Counsel. ·        Lucia Constantine – Senior Researcher at the Center for Responsible Lending, focusing on mortgage lending and predatory debt practices. ·        Yasmin Farahi – Deputy Director of State Policy and Senior Policy Counsel at CRL, specializing in small-dollar lending and state consumer protection initiatives. ·        Joseph Schuster – Partner in Consumer Financial Services Group at Ballard Spahr, with extensive experience advising on earned wage access products and their legal and regulatory treatment. Key Topics Covered in the Episode ·        What Is Earned Wage Access? An overview of EWA products, how they operate, and why they have become a focal point for regulators and consumer advocates. ·        Consumer Protection vs. Industry InnovationCRL presents research suggesting that EWA products operate as high-cost credit and may contribute to debt accumulation, while industry participants argue the products provide needed liquidity and differ fundamentally from traditional loans. ·        Fees, Tips, and Consumer Understanding A discussion of common pricing models, including expedited access fees and voluntary "tips," and whether consumers fully understand the true cost of using EWA services. ·        Research Findings CRL reviews studies conducted by it based on anonymized transaction data indicating frequent repeat usage, escalating fees, and increased overdraft activity among some users. ·        The Regulatory and Legal Landscape An examination of ongoing litigation, divergent state approaches, and federal regulatory ambiguity. While some states regulate EWA as credit, others have carved out exemptions. Courts are increasingly being asked to determine whether EWA products constitute "loans" under existing law. ·        Industry Responses and SafeguardsDiscussion of non-recourse structures, voluntary fee models, and industry-led efforts to mitigate consumer harm. ·        Policy Outlook Consideration of congressional interest, state-level reform efforts, and the likelihood of future regulatory intervention. Why This Episode Matters The debate over earned wage access is still in its early stages, but the outcome will have significant implications for fintech providers, employers, consumers, and regulators. This episode provides essential context and analysis for financial services professionals seeking to understand how EWA fits within existing consumer credit frameworks, and how that framework may change. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr and founder and former chair of the firm's Consumer Financial Services Group. We invite you to subscribe on your preferred podcast platform for weekly insights into key developments in consumer financial services law and regulation. Since its recording, there have been a few developments relevant to this episode. For instance, on December 22, 2025, the Consumer Financial Protection Bureau issued an advisory opinion that states the Truth In Lending Act (TILA) does not apply to certain "earned wage access (EWA) products," and it rescinds a proposed interpretive rule issued under former CFPB Director Chopra that classified these products as credit subject to TILA with their fees considered finance charges. The Center for Responsible Lending expressed opposition to this latest advisory opinion. On January 13, 2025, the House Financial Services Committee held a hearing on financial technology that included consideration of draft legislation on "Earned Wage Access," which CRL refers to as "payday loan apps." Around 200 nonprofits have written to Congress about their opposition to the version of this bill as introduced last session of congress.

The past few years have been a critical time in the development of data privacy laws and the regulation of AI in the United States. As we look toward 2026, the complexities are only increasing. In this episode, the Antitrust Law Section's Privacy and Information Security (PRIS) Committee joins forces with OCA to focus on the highlights of 2025 and predictions for 2026. Hosts Alicia Downey and Anora Wang talk to PRIS Committee vice chairs Jessica Cohen of Verizon Communications and Alex Brown of Alston & Bird about why the next 12 months could redefine how AI and data privacy are regulated at the federal and state levels. In addition, listeners will hear from Jessica about being a mother of five, and get an update on Walter, a beauty pageant-winning dog, who was just a puppy when Alex was a featured guest on OCA Episode #89 back in 2020. With special guests: Jessica Cohen, Senior Counsel, Regulatory Affairs, AI, Cybersecurity & Privacy, Verizon Communications and Alexander G. Brown, Partner, Alston & Bird LLP Related Links: Kathleen Benway, Alexander G. Brown, Maki DePalo, Jennifer C. Everett, Graham Gardner & Hyun Jai Oh, "Flurry of FTC Activity Shows Enforcement Emphasis on Youth Protection," 12 PRATT'S PRIVACY &CYBERSECURITY LAW REPORT 8 (LexisNexis A.S. Pratt 2026) Alexander G. Brown & Katherine Doty Hanniford, "First 100 Days – Federal Privacy and Cybersecurity Regulation and Enforcement Under the Second Trump Administration," Alston & Bird Advisory (May 8, 2025) Our Curious Amalgam, Episode #89 What's the Deal with Data Portability? Understanding the Competition and Privacy Aspects Surrounding the Movement of Data, November 30, 2020, featuring Alex Brown Hosted by: Alicia Downey, Downey Law and Anora Wang, Arnold & Porter

The feds are there because local officials are made to stand down. Will Chamberlain is here to explain, Senior Counsel at the Article 3 Project.

Our podcast show this week consists of a webinar we produced on November 10, 2025, titled, "Breaking Developments in National Bank Act Preemption." Join our panel of top legal experts as they break down how landmark court rulings are changing the rules for national banks, examine the growing application of state law, and discuss what these changes mean for compliance, risk, and the future of consumer financial services. Meet the Panelists: ·                 Alan Kaplinsky (Host & Moderator): Senior Counsel and former Practice Group Leader and Founder of the Consumer Financial Services Group at Ballard Spahr ·                 Professor Arthur Wilmarth: Professor Emeritus at George Washington University Law School, widely recognized for his scholarship on National Bank Act preemption. ·                 John Culhane, Jr.: Senior Counsel of the Consumer Financial Services Group at Ballard Spahr specializing in national bank compliance and regulatory strategy. ·                 Ronald Vaske: Senior Counsel of the Consumer Financial Services Group at Ballard Spahr advising financial institutions on regulatory and compliance matters. ·                 Joseph Schuster: Partner of the Consumer Financial Services Group at Ballard Spahr guiding national banks on state law adaptation and implementation. Key Points Covered: ·                 Landmark Court Decisions: Recent cases like Cantero in the Supreme Court and Conti in the First Circuit Court of Appeals have moved National Bank Act preemption away from blanket coverage, requiring courts to carefully assess each state law's impact on national banks. ·                 Dodd-Frank's Transformative Impact: The Dodd-Frank Act codified the legal standard established by the Supreme Court in the Barnett Bank Case that state laws are only preempted if they "prevent or significantly interfere" with national bank authority, and curtailed the OCC's sweeping preemption powers. ·                 Erosion of Uniform Federal Standards: National banks now face the reality of complying with an increasing patchwork of state laws, which challenges the traditional advantage of a federal charter. ·                 Compliance Strategies in Practice: Banks are proactively reviewing and updating their products, disclosures, and processes to ensure compliance with varying state requirements using robust legislative tracking methods. ·                 What's Next - Regulatory and Litigation Outlook: The panel anticipates ongoing legal and regulatory developments and urges institutions to prepare for further changes by starting comprehensive compliance reviews now. This episode delivers vital updates and practical guidance on the evolving landscape of national bank preemption, making it essential listening for anyone involved in consumer financial services, banking compliance, or regulatory strategy.  Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Thursday, January 22, 2026 Welcome to today's special edition. On the anniversary of Roe v. Wade, our hosts are Chelsey Youman and Liberty McArtor. Chelsey is Senior Counsel for Alliance Defending Freedom's Center for Public Policy and Liberty is the host of the Know Why Podcast and a frequent host for Point of View Radio Talk […]

Allegations of politically motivated “debanking” have intensified debate over how federal regulation, supervisory practices, and concerns about “reputation risk” influence banks’ decisions about which customers to serve. In recent months, the President issued an Executive Order directing agencies to reexamine supervisory and risk-management frameworks, while the banking regulators themselves have taken steps related to supervision, anti-money-laundering obligations, and the treatment of reputation risk—often implicating questions surrounding confidential supervisory information. At the same time, Congress and stakeholders across the financial sector continue to grapple with the scope and meaning of federal “fair access” standards and what they might require of banks going forward.With these developments unfolding in parallel, important questions remain unresolved. What role should the government play in shaping banks’ customer relationships? How should supervisory expectations be calibrated, and what legal clarity—whether legislative or regulatory—might be needed to strike the proper balance?Please join the Federalist Society on Wednesday, January 7, at 12 PM ET for a virtual discussion exploring these issues and examining where regulators and lawmakers may go from here. Featuring: John Berlau, Senior fellow and Director of Finance Policy, Competitive Enterprise InstituteTabitha Edgens, Executive Vice President & Co-Head of Regulatory Affairs, Bank Policy InstituteBrian Knight, Senior Counsel, Corporate Engagement Team, Alliance Defending Freedom(Moderator) John Heltman, Washington Bureau Chief, American Banker

The rights protected by the First Amendment to the U.S. Constitution are essential for the proper functioning of a responsive democracy.  As we mark the end of the first year of the Second Trump Administration, Nora Benavidez joins Lindsay Langholz to take stock of the effects of a year-long assault on free speech and discuss her recent report, Chokehold: Donald Trump's War on Free Speech & the Need for Systemic Resistance.Join the Progressive Legal Movement Today: ACSLaw.orgHost: Lindsay Langholz, Senior Director of Policy and ProgramGuest: Nora Benavidez, Senior Counsel and Director of Digital Justice and Civil Rights, Free PressLink: Chokehold: Donald Trump's War on Free Speech & the Need for Systemic ResistanceLink: I Counted Trump's Censorship Attempts. Here's What I Found., by Nora BenavidezLink: Defending Academic Freedom, Episode 175 of Broken Law Visit the Podcast Website: Broken Law Podcast Email the Show: Podcast@ACSLaw.org Follow ACS on Social Media: Facebook | Instagram | Bluesky | LinkedIn | YouTube -----------------Broken Law: About the law, who it serves, and who it doesn't.----------------- Production House: Flint Stone Media Copyright of American Constitution Society 2025.

January 20, 2026 ~ Gerard Filitti, Political Strategist, Senior Counsel the Lawfare Project joins Kevin to talk about Kamala Harris running in 2028 Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Leo Terrell, Chair of the DOJ Task Force to Combat Antisemitism & DOJ Senior Counsel, joins Sid on this Martin Luther King Jr. Day to discuss the legacy of MLK Jr., asserting that King would align with the Republican Party and President Trump if he were alive today. Terrell emphasizes King's commitment to non-violence and support for the Jewish community. The conversation covers civil rights progress, challenges within the black community, and criticisms of the Democratic Party's handling of race issues. Terrell argues for the importance of education and law and order, highlighting disparities in crime statistics and educational outcomes in black communities. The interview concludes with Terrell expressing his admiration for King and his desire to continue King's work. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ronan Lupton, Senior Counsel specialising in media, data protection and commercial law, discusses changes to Grok to restrict the AI-undressing of images.

Join us for a timely and insightful conversation on the evolving landscape of anti-money laundering (AML) compliance in consumer financial services. In this episode of the Consumer Finance Monitor Podcast, Alan Kaplinsky, founder and senior counsel of Ballard Spahr's Consumer Financial Services Group, hosts Terence Grugan, co-chair of Ballard Spahr's AML team and a recognized authority in financial crimes compliance. Together, they deliver a comprehensive discussion on the latest regulatory developments, enforcement trends, and strategic implications for institutions across the industry. Episode Overview and Key Takeaways: 1.     Regulatory Streamlining: Explore how AML and Bank Secrecy Act (BSA) compliance requirements are being recalibrated, with a focus on reducing unnecessary burdens, modernizing supervisory practices, and emphasizing substance over form. 2.     Bank Examination Modernization: Learn how recent policy changes are promoting risk-based, targeted examinations for community banks, enabling institutions to allocate resources more effectively while maintaining compliance. 3.     Non-Bank Financial Institution Developments: Gain insights into emerging proposals from FinCEN and the Treasury aimed at gathering industry feedback and potentially scaling back AML obligations for non-bank entities such as casinos, money services businesses, and others. 4.     SAR Reporting Reforms: Hear about FinCEN's clarifications that are refining suspicious activity reporting (SAR) requirements, streamlining documentation, and reducing operational complexity for financial institutions. 5.     Evolving Crypto Regulation: Assess the regulatory retreat within the cryptocurrency sector, implications for AML risk, and anticipated impact of new regulatory initiatives including upcoming Stablecoin rules. 6.     Enforcement Trends: Review notable shifts in enforcement priorities, with fewer high-profile AML fines this year and an increased focus on targeting substantive violations rather than technical compliance failures. 7.     National Security and Economic Policy Alignment: Understand how AML and financial crime policies are aligning with broader national security priorities, including sanctions compliance, immigration enforcement, and efforts to disrupt international cartels. 8.     Future Outlook: Preview possible future developments, including greater centralization of AML enforcement within the Treasury Department and continuing modernization of compliance obligations. This episode equips financial institutions, compliance professionals, and industry leaders with expert perspectives on the regulatory, operational, and strategic changes transforming AML compliance. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

It's Wednesday, January 14th, A.D. 2026. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com. I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark Most dangerous countries for Christians: The 2026 Red List Global Christian Relief released its 2026 Red List of the world's most dangerous countries to be a Christian.  The report verified nearly 2,000 Christians were killed between November 2023 and October 2025. The country with the most killings of Christians was Nigeria. The country with the most violence and intimidation against churches was Rwanda. China led with the most arrests and sentences of Christians. Mozambique saw the most displacement of believers. And Mexico had the most abductions of Christians.  Other dangerous countries for Christians included the Democratic Republic of the Congo, Ethiopia, India, Iran, Myanmar, Nicaragua, Russia, Ukraine, and Vietnam. Psalm 37:14-15 says, “The wicked have drawn the sword and have bent their bow, to cast down the poor and needy, to slay those who are of upright conduct. Their sword shall enter their own heart, and their bows shall be broken.” Trump threatens Nigeria with more military strikes Speaking of Nigeria, the country could see more military strikes from the United States if violence against Christians continues. On Christmas Day last month, the U.S. launched deadly strikes in Nigeria against militants linked with the Islamic State.   U.S. President Donald Trump told The New York Times last Thursday, “I'd love to make it a one-time strike. But if they continue to kill Christians it will be a many-time strike.” Listen to President Trump's warning last November. TRUMP: “I'm hereby instructing our Department of War to prepare for possible action. If we attack, it will be fast, vicious and sweet, just like the terrorist thugs attack our cherished Christians.” Texas banned tax-funded abortion travel Texas Attorney General Ken Paxton claimed victory last Friday in a case against San Antonio's abortion travel fund. The city established its so-called “Reproductive Justice Fund” last year to support women traveling to other states to kill their unborn babies. However, Texas subsequently passed a law to ban such funding. Attorney General Paxton commented on the case. He said, “I will always do everything in my power to prevent radicals from manipulating the system to murder innocent babies. … San Antonio's unlawful attempt to cover the travel and other expenses for out-of-state abortions has now officially been defeated.” Trump wants to ban institutional investors in single-family homes President Donald Trump is calling for Congress to ban large institutional investors from buying single-family homes. Such investors have acquired thousands of single-family homes since the 2008 financial crisis.  President Trump hopes his ban on institutional investors would make single-family homes more affordable. The median price for an existing home hit a record $435,300 last year. On Truth Social, he wrote, “People live in homes, not corporations.” More immigrants left America than entered in 2025 A report by the Brookings Institute estimates that more immigrants left the U.S. than entered it last year. The report suggests net migration fell by anywhere from 10,000 to 295,000 in 2025. It's the first time in at least 50 years that net migration was negative for America. 2026 is also expected to see negative net migration. Actor Timothy Busfield arrested on child sex abuse charges NewsNation has confirmed that Emmy-winning actor Timothy Busfield has surrendered to law enforcement after an arrest warrant was issued last week amid allegations of sexual abuse involving minors in New Mexico. According to a criminal complaint, two young actors allege that Busfield, age 68, touched them inappropriately while on set filming the Fox series “The Cleaning Lady” from 2022 to 2024, where Busfield was an Executive Producer. The court documents detail a pattern of grooming, where Busfield would allegedly shower the children with gifts and praise, while also kissing and fondling the boys in a bedroom on set. They were 7 and 8 years old at the time. Record high of U.S. independents A new Gallup survey found a record-high 45 percent of U.S. adults identified as political independents last year. The last time that Americans were evenly split between Republicans, Independents, and Democrats was 2005. Since then, identification with Republicans and Democrats has dwindled to 27 percent each.  The rise of political independents comes as younger generations are less likely to identify with a party. However, slightly more Americans still lean Democrat than Republican.  Christian homeless shelter allowed to hire like-minded staff And finally, the U.S. Ninth Circuit Court of Appeals ruled unanimously in favor of Union Gospel Mission last Tuesday. The Christian homeless shelter in Washington state serves anyone but only hires employees who agree with their religious beliefs. A state anti-discrimination law would have required the mission to hire people who did not align with their beliefs. So, the mission challenged the law with the help of Alliance Defending Freedom. Jeremiah Galus, Senior Counsel with the Christian legal group, said, “Yakima Union Gospel Mission exists to spread the Gospel of Jesus Christ through its homeless shelter, addiction-recovery programs, outreach efforts, meal services, and health clinics. The Ninth Circuit correctly ruled that the First Amendment protects the mission's freedom to hire fellow believers who share that calling.” Hebrews 13:16 says, “But do not forget to do good and to share, for with such sacrifices God is well pleased.” Close And that's The Worldview on this Wednesday, January 14th, in the year of our Lord 2026. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

This week on the award-winning Consumer Finance Monitor Podcast, host Alan Kaplinsky is joined by Senior Counsel Mark Levin and special guest Professor Mohsen Manesh for a powerful roundtable on one of today's most consequential topics: the SEC's new position on mandatory arbitration in corporate governance documents and how state law and market realities are shaping the future for consumer financial services companies, investors, and legal counsel. Meet the Speakers: Alan Kaplinsky - Host and Senior Counsel at Ballard Spahr's Consumer Financial Services Group, Alan brings decades of expertise in arbitration and class action waivers to the table. Mark Levin - A leading authority on arbitration provisions and regulatory compliance, Mark (now retired) was a seasoned attorney at Ballard Spahr and long-time collaborator with Alan. Mohsen Manesh - The L.L. Stewart Professor of Business Law at the University of Oregon, Mohsen is a nationally recognized legal scholar and co-author of a widely cited NYU Law Review article on shareholder arbitration clauses. In This Episode, the Panel Explores: The SEC's Policy Shift: Why the SEC now allows mandatory arbitration provisions in registration statements, and how the focus has moved to disclosure, not the substance, of arbitration clauses. State Law Challenges: How Delaware's SB 95 (DGCL 115(c)) bans arbitration provisions for federal securities law claims in corporate charters, and the legislative backstory behind this move. Federal vs. State Authority: The panel debates whether states like Delaware can lawfully prohibit shareholder arbitration in corporate charters without being preempted by the Federal Arbitration Act (FAA). Practical Guidance for Issuers: The importance for issuers of providing clear, plain-language disclosures about arbitration clauses and drafting these provisions conservatively while preserving statutory remedies to address current legal and regulatory challenges. Market Realities and Investor Response: Despite ongoing legal debates, public companies thus far have shown little interest in reincorporating elsewhere to enable arbitration provisions, as both shareholder demand for mandatory arbitration and management support for such proposals remain limited. Issuer and Investor Impact: While arbitration can offer faster, more efficient, and confidential dispute resolution and reduce costly class actions, it may also limit options for class-wide remedies and restrict investor recourse. What's Next? With the SEC's new stance and ongoing uncertainty about the interplay with state laws, the landscape for shareholder arbitration is in flux—and this episode breaks down the key issues you need to watch. Whether you're a legal professional, corporate executive, or investor, this episode delivers sharp insight and practical takeaways on regulatory trends that could reshape the field of consumer financial services. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry. Following this episode, Professor Mohsen Manesh released a new article, The Past, Present, and Likely Future of Shareholder Arbitration, which builds directly on the insights he shared on the podcast. The full paper is available here.

Stewart Kameen, Partner, Bass Berry & Sims PLC, Brandon Helms, Shareholder, Hall Render Killian Heath & Lyman PC, and Matthew Westbrook, Senior Counsel, Proskauer Rose LLP, discuss some of the key health care fraud and abuse trends from 2025 and what to expect in 2026. They cover the current landscape; Administration priorities; general trends; and key settlements, cases, and advisory opinions. From AHLA's Fraud and Abuse Practice Group.Watch this episode: https://www.youtube.com/watch?v=AE0p4j-RXMwLearn more about the AHLA Fraud and Abuse Practice Group's February 18 webinar, “Fraud and Compliance Year In Review”: https://educate.americanhealthlaw.org/local/catalog/view/product.php?productid=1691Essential Legal Updates, Now in Audio AHLA's popular Health Law Daily email newsletter is now a daily podcast, exclusively for AHLA Comprehensive members. Get all your health law news from the major media outlets on this podcast! To subscribe and add this private podcast feed to your podcast app, go to americanhealthlaw.org/dailypodcast. Stay At the Forefront of Health Legal Education Learn more about AHLA and the educational resources available to the health law community at https://www.americanhealthlaw.org/.

It's New Year's Eve, Wednesday, December 31st, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark Ugandan Muslims killed Christian evangelist Muslim extremists killed a Christian evangelist in Uganda earlier this month. Konkona Kasimu was a convert from Islam. He participated in multiple Christian-Muslim dialogues across Uganda. Several Muslims turned to Christ during one of these events on December 12. However, angry Muslims ambushed Kasimu that evening. He later died from the injuries he sustained during the attack. A local pastor told Morning Star News, “Kasimu was killed because of advancing the Kingdom of God. We have lost a great man who was well-versed in both the Quran and the Bible and used that knowledge to witness for Christ to many people.” Revelation 12:11 says, “And they overcame [the Devil] by the blood of the Lamb and by the word of their testimony, and they did not love their lives to the death.” Evangelicalism on rise in Catholic Spain Evangelicalism continues to grow in the historically Catholic country of Spain. Evangelical Focus reports that Christianity is the most deeply rooted among minority religions in the country. There are 4,700 evangelical places of worship in Spain this year. That's up from 3,700 places of worship ten years ago. At the same time, secularization is advancing. Over 40% of the population say they do not identify with any religion.  400 sex-selective abortions in United Kingdom Life News reports that new data from the United Kingdom government suggests at least 400 sex-selective abortions have taken place in the country.  The government says killing unborn babies on the basis of their sex is illegal. However, the U.K.'s largest abortion provider is telling women that sex-selective abortion is not illegal.  Catherine Robinson with Right to Life UK noted, “This report is very likely to underestimate the number of sex-selective abortions in the UK. The true scale of sex-selective abortions in the UK, is in all likelihood, far higher than the figures suggest.” America blew up Venezuelan port loading boat with narcotics U.S. President Donald Trump told reporters on Monday that the U.S. carried out a strike on a port facility in Venezuela. He said the facility was being used to load boats with narcotics. If confirmed, this would be the first land-based attack by the U.S. in Venezuela.  CNN and the New York Times report that the CIA carried out the attack with a drone strike. Rising church attendance among Millennials and Gen Z Evangelist Franklin Graham  spoke to Fox News about rising church attendance among younger generations. Data shows that Millennials and Gen Z lead monthly church attendance compared to other generations. Listen to comments from Graham. GRAHAM: “I think Gen Z and Millennials have been fed the lie of socialism. And socialism is basically anti-God. They've been turned off, I think, by this, and they're asking themselves, ‘There's got to be something more.' Yes, they're going to church, but Bible sales are up. So, they're buying Bibles. They're reading for themselves.” Kentucky restored Ten Commandments monument at Capitol Kentucky restored a permanent monument of the Ten Commandments to the state Capitol grounds earlier this month. The monument was put up in 1971. It was moved for construction in the 1980s. The legislature passed a resolution to restore it in 2000. However, a federal appeals court order kept the monument from being displayed until recently. First Liberty was involved in the legal case to restore the monument. Roger Byron, Senior Counsel for First Liberty, said, “We congratulate the people of Kentucky for restoring a part of their history. There is a long tradition of public monuments, like this one, that recognize the unique and important role the Ten Commandments have played in state and national history.” Lutheran Bible Translators delivered new Bible to Ghana tribe And finally, the Komba people of Ghana received their complete Bible last month after years of translation work. Missionary work among the Komba began in the 1950s. In 2005, Lutheran Bible Translators began to translate the New Testament which was completed in 2014. The Old Testament translation began in 2015. Now, they have the entire Bible. One of the translators said, “Reading the Bible has become part of my people. They are reading it day in and day out, and they have taken it upon themselves to do so. They have learned to read, and now they can go out and preach because they can read the Bible, something they were unable to do in the past.” Romans 10:15 says, “How beautiful are the feet of those who preach the Gospel of peace, who bring glad tidings of good things!” Close And that's The Worldview on this Wednesday, December 31st, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

Join host Alan Kaplinsky, founder and former longtime leader of Ballard Spahr's Consumer Financial Services Group and one of the foremost thought leaders in the industry, as he welcomes two special guests for a timely and insightful conversation about the most significant deregulatory developments in banking law during 2025. Alan is joined by his Ballard Spahr colleague Scott Coleman, a partner with more than 30 years of experience guiding banks and bank holding companies through mergers, acquisitions, and all facets of regulatory compliance, especially in the community banking sector. They're also joined by Dr. Sean Campbell, Chief Economist and Head of Policy Research at the Financial Services Forum, where he represents the eight U.S. global systemically important banks. Dr. Campbell is a distinguished economist, former senior Federal Reserve official, and published academic. In this episode, Alan, Scott, and Sean break down the latest developments and ongoing trends in bank regulation and supervision, and digital innovation. You'll get expert analysis and practical takeaways on: ·                 The Deregulatory Wave: How the Trump administration's aggressive deregulatory agenda is streamlining exams, reducing supervisory burdens, and shifting the focus toward core financial risk-while eliminating reputational risk as a part of President Trump's Debanking Executive Order. ·                 Supervision and Stress Testing Reform: Why new Federal Reserve proposals to increase transparency in stress testing mark a turning point for large banks, moving away from a "check-the-box" approach to a laser focus on tangible risks like capital, liquidity, and asset quality. ·                 Deposit Insurance Debate: The pros, cons, and historical lessons of raising FDIC insurance limits-especially in the wake of recent bank failures and how the right balance can preserve market discipline. ·                 Community Reinvestment Act in the Digital Age: Why the CRA's geography-based model is due for an overhaul as banking goes mobile and regulatory priorities shift. ·                 Crypto, Stablecoins, and Regulatory Parity: What the Bipartisan Enactment of the GENIUS Act (regulating stablecoins) means for banks and fintechs, and why applying anti-money laundering rules across the board could level the playing field. ·                 Eliminating Reputational Risk: How regulators are eliminating the use of "reputational risk" as a catch-all supervisory and enforcement tool and what this means for fair access and bank governance. ·                 Looking to the Future: The group reflects on what's next for the bank regulatory landscape, Wall Street's view on the industry, and the practical impacts on banks and consumers. Whether you're a banker, regulator, or just want to understand how Washington and Wall Street are shaping the future of finance, this episode delivers the highlights of 2025 and insights you need going into 2026. Tune in for expert opinions, real-world examples, and a roadmap to what's ahead! Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the banking and the consumer finance industry.

Today's episode features Part 2 of our November 4 webinar, "The CFPB's Most Ambitious Regulatory Agenda Ever."  (Part 1 of this series was released on December 18. We encourage you to listen to that episode as well). In Part 2, we continue to unpack the far-reaching implications of the Consumer Financial Protection Bureau's (CFPB) regulatory ambitions. The CFPB has published a sweeping agenda that promises to reshape the landscape for consumer financial services, and our panel of seasoned attorneys offers vital context and actionable insights for industry professionals, regulators, and informed consumers alike.   Key Topics Discussed:  ·        CFPB's Pre-Rule and Long-Term Actions - What's on the regulatory horizon, including advance notices and rulemaking targets that could reshape consumer finance. ·        Clarifying "Unfair, Deceptive, and Abusive" Practices - Will the CFPB issue new rules or guidance to define these critical terms? The panel reviews statutory definitions and industry implications. ·        Identity Theft and Coerced Debt Regulation - Proposed amendments to Regulation V including new protections for survivors of identity theft and economic abuse. ·        Redefining Large Market Participants - Examination of thresholds for CFPB supervision in areas like auto financing, debt collection, consumer reporting, and international money transfers, aiming to target the largest market players. ·        Qualified Mortgage Rules & Loan Originator Compensation - What changes might be coming to mortgage rules and compensation methods, especially for small-dollar loans? The industry's wishlist and regulatory challenges are explored. ·        The Equal Credit Opportunity Act (ECOA) & Disparate Impact - Is the CFPB shifting its stance on disparate impact liability in lending? Hear the latest on the Trump administration's influence and evolving regulatory language. ·        CFPB's Withdrawal of Guidance Documents- A look at the Bureau's move away from guidance towards formal rulemaking and the impact on regulated entities. ·        Industry Feedback and Uncertainty - Lively discussion about compliance burdens, regulatory rescissions, and the ongoing uncertainty surrounding the CFPB's future funding and priorities. Meet Your Speakers from Ballard Spahr:   ·        Alan Kaplinsky (Host & Moderator): Senior Counsel and Founder and former leader of Ballard Spahr's Consumer Financial Services Group  ·        Rich Andreano, Jr.: Partner and head of the firm's Mortgage Banking Group  ·        John Culhane, Jr.: Partner in the Consumer Financial Services Group  ·        Kristen Larson: Of Counsel, Consumer Financial Services Group   ·        Daniel Wilkinson: Associate, Consumer Financial Services Group   ·        Rob Lieber: Associate, Consumer Financial Services Group   ·        Aja Finger: Associate, Consumer Financial Services Group   Tune in as our expert panel breaks down the complexities, anticipated impacts, and the road ahead under the CFPB's ambitious agenda. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Episode 75 Who's in Charge? Navigating Uncertainty in New Jersey's U.S. Attorney's Office The prolonged legal fight over Alina Habba's status as New Jersey's top federal prosecutor has thrown court proceedings throughout the Garden State into turmoil. Even with the recent Third Circuit Court of Appeals decision and Habba's alleged resignation, the future remains uncertain, according to James Pearce, Senior Counsel at the Washington Litigation Group, who was involved in the litigation challenging Habba's appointment. James joins host Matt Adams to delve into the thorny legal issues that began with Habba's spring 2025 appointment and culminated in the ruling earlier this month by the  Middle District of Pennsylvania that she was unlawfully serving in the role. James and Matt explain why her position was challenged, where the case stands now and what is currently happening to cases in the state's federal court. Matt and James also explore the broader implications of this case for the Justice Department and how it's impacting similar pending litigation in other jurisdictions.

Today's episode features Part 1 of our November 4 webinar, "The CFPB's Most Ambitious Regulatory Agenda Ever." In this packed episode, our expert panel breaks down the Consumer Financial Protection Bureau's largest and boldest regulatory agenda to date. Discussing an unprecedented lineup of 24 rulemaking items that could reshape the consumer financial services industry. What's Included: Unprecedented Regulatory Activity: We unpack why this semi-annual agenda stands out, the record number of proposed rules, and what this means for financial institutions, FinTechs, and consumers alike. Hot Topics Covered: From sweeping changes in mortgage servicing to open banking (1033 of Dodd-Frank/personal financial data rights), small business lending rules (1071 of Dodd-Frank), and the rollout of the Financial Data Transparency Act, we cover all the major initiatives and legal battles on the horizon. Industry Insight: Hear why certain rules are stirring up controversy, what compliance challenges lie ahead, and how litigation and funding woes at the CFPB might impact the pace of change. Practical Impact: Learn about technical corrections in remittance transfer rules, new standards for data sharing, and what these changes mean for day-to-day business operations. Meet Your Speakers from Ballard Spahr: Alan Kaplinsky (Host & Moderator): Senior Counsel, founder and former leader of Ballard Spahr's Consumer Financial Services Group  Rich Andreano, Jr.: Partner and head of the firm's Mortgage Banking Group  John Culhane, Jr.: Partner in the Consumer Financial Services Group  Greg Szewczyk: Chair of the firm's Privacy and Data Security Group  Mudasar Pham-Khan: Associate, Consumer Financial Services Group  Kristen Larson: Of Counsel, Consumer Financial Services Group  Daniel Wilkerson: Associate, Consumer Financial Services Group  Rob Lieber: Associate, Consumer Financial Services Group  Aja Finger: Associate, Consumer Financial Services Group  Tune in for strategic insights and practical tips to help you prepare for the CFPB's evolving rulebook. Whether you're a compliance leader, financial executive, or simply interested in how Washington's boldest moves will impact your world, this episode is your essential guide to what's next in consumer financial services. Don't miss Part 2, coming next week with even more updates and expert perspectives! Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

We knew it at the time, but now there's the documents to prove it. So why don't Republicans start acting like they understand the stakes? Will Chamberlain is Senior Counsel at the Article 3 Project.

Today's podcast brings listeners a timely and insightful discussion as our panel examines the CFPB's proposed amendments to Regulation B under the Equal Credit Opportunity Act (ECOA). As our regular listeners know, we released an episode yesterday, and we are providing this additional special episode in light of a development we consider both time-sensitive and exceptionally important. The discussion is hosted by Alan Kaplinsky, Senior Counsel, founder and former chair for 25 years of Ballard Spahr's Consumer Financial Services Group, and features these distinguished experts in the field: ·       Bradley Blower, Founder of Inclusive Partners LLC. ·       John Culhane, Jr., Senior Partner and charter member of Ballard Spahr's fair lending team. ·       Richard Andreano, Jr., Practice Group Leader for Ballard Spahr's Mortgage Banking Group and the head of Ballard Spahr's fair lending team.  Together, the panel takes listeners through the sweeping changes proposed to Reg B, including the elimination of the longstanding disparate impact provisions, significant revisions to discouragement standards, and new limitations on special purpose credit programs for for-profit entities. The conversation covers the legal and political motivations behind the proposal, references to recent Supreme Court decisions, and the implications for lenders, regulators, and consumers. The group also addresses the unusually short 30-day comment period and speculates on why the CFPB may be moving quickly to finalize the rule. Tune in for expert analysis, must-know takeaways, and predictions about industry impact and possible legal challenges. This episode is essential listening for anyone invested in the future of consumer financial services and fair lending. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Gabriel Olivier is an evangelical Christian who often shares his faith in public. In May 2021, when sharing his faith near an amphitheater in a public park in Brandon, Mississippi, the city’s chief of police confronted Olivier with a recently amended city ordinance requiring “protests” to occur in a designated area. Olivier repositioned himself but soon returned when the designated area proved remote and isolating. The city charged Olivier for violating the ordinance, and he pled nolo contendere and agreed to pay a fine. Olivier then challenged the ordinance under the First and Fourteenth Amendments, seeking an injunction prohibiting future enforcement of the law against his expressive activity. The district court barred Olivier’s request for injunctive relief, applying the preclusion doctrine from Heck v. Humphrey, 512 U.S. 477 (1994). As a result, Olivier cannot challenge the ordinance, even though he alleges that it continues to restrict his speech and risks future penalties. On appeal, the Fifth Circuit affirmed, splitting from the Ninth and Tenth Circuits and deepening a circuit split on whether Heck applies to noncustodial plaintiffs who cannot access habeas relief. The Fifth Circuit denied rehearing en banc by one vote, over dissents arguing Olivier’s plea should not bar future constitutional protection. In July, the Supreme Court granted certiorari.Join us for an expert breakdown of oral arguments.Featuring:Nathan Kellum, Senior Counsel, First Liberty Institute(Moderator) Steven Burnett, Clinical Instructional Fellow, Religious Freedom Clinic, Harvard Law School

Today's episode features Part 2 of our October 30, 2025 webinar, "AI in Financial Services: Understanding the White House Action Plan – and What It Leaves Out." In this installment, our panel dives deeper into the evolving intersection of artificial intelligence, regulation, and innovation in financial services. Moderated by Alan Kaplinsky, Senior Counsel, founder and former longtime leader of Ballard Spahr's Consumer Financial Services Group, and Greg Szewczyk, chair of the firm's Privacy and Data Security Group, the discussion cuts through hype and uncertainty to provide clear, practical insights. Alan and Greg lead a lively discussion exploring the practical and policy-driven challenges posed by AI, particularly how existing legal frameworks often struggle to keep pace with rapid technological advancement. Our panel includes: Charley Brown, leader of Ballard Spahr's technology and patents teams, who explains how institutions can protect and capitalize on AI-enabled technologies; Dean Ball, former White House senior advisor and one of the architects of the White House AI Action Plan, who provides a rare inside look at the policy landscape; Kristian Stout, Director of Innovation Policy at the International Center for Law and Economics, who examines the intersections of AI, regulation, and competition; and Charlie Bullock, Senior Research Fellow at the Institute for Law and AI, who outlines practical frameworks for responsible, compliant AI governance. Throughout the episode, the panel addresses crucial topics including privacy challenges, explainability requirements for AI-driven decisions, and the potential for AI to level the playing field for smaller institutions. Whether you're in the C-suite, a compliance officer, or simply interested in how Washington's decisions shape the future of finance, this episode delivers a clear-eyed look at what the White House action plan covers and what crucial issues still need attention. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr and founder of the firm's Consumer Financial Services Group. We encourage listeners to subscribe on their preferred podcast platform for weekly insights into the consumer finance industry.

Today's episode features Part 1 of our October 30, 2025 webinar, "AI in Financial Services: Understanding the White House Action Plan – and What It Leaves Out." In this installment, a panel of leading experts breaks down the rapidly evolving role of artificial intelligence in financial services—from foundational concepts to the latest regulatory developments. Moderated by Alan Kaplinsky, Senior Counsel,  founder and former longtime leader of Ballard Spahr's Consumer Financial Services Group, and Greg Szewczyk, chair of the firm's Privacy and Data Security Group, the discussion cuts through hype and uncertainty to provide clear, practical insights. Alan and Greg guide an energetic conversation about how AI has become a strategic priority for banks, credit unions, payments companies, and fintechs. Our panel includes: Charley Brown, leader of Ballard Spahr's technology and patents teams, who explains how institutions can protect and capitalize on AI-enabled technologies; Dean Ball, former White House senior advisor and one of the architects of the White House AI Action Plan, who provides a rare inside look at the policy landscape; Kristian Stout, Director of Innovation Policy at the International Center for Law and Economics, who examines the intersections of AI, regulation, and competition; and Charlie Bullock, Senior Research Fellow at the Institute for Law and AI, who outlines practical frameworks for responsible, compliant AI governance. Together, they unpack the complex patchwork of state, federal, and international rules now shaping AI deployment in financial services. The discussion highlights how automated decision-making laws, privacy requirements, and emerging definitions of "artificial intelligence" are forcing institutions to rethink compliance programs, manage risk differently, and anticipate new regulatory expectations. You'll also hear real-world examples of how organizations are grappling with these challenges in practice. This episode provides an essential foundation for understanding where AI and financial services intersect, and where the regulatory environment is headed. Be sure to tune in next Thursday for Part 2, where our experts delve even deeper into the future of AI, innovation, and legal risk in the financial sector. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr and founder of the firm's Consumer Financial Services Group. We encourage listeners to subscribe on their preferred podcast platform for weekly insights into the consumer finance industry.

Phillip Jauregui, Senior Counsel for AFA Action and Director of the Center for Judicial Renewal, joins The Steve Gruber Show to discuss the potential impact of a high-profile judicial appointment by former President Trump. The conversation explores how a new circuit court pick could influence a generation of rulings, shaping issues ranging from constitutional interpretation to the direction of federal law for years to come. Phillip offers insight into the nomination process, the stakes for the judiciary, and why such appointments can have far-reaching consequences for American families and the legal landscape nationwide.

Are you building a business you could sell tomorrow, or are hidden mistakes quietly draining its value?In this episode, Bill joins a roundtable discussion with host Peter Levy, and other powerhouse leaders, including M&A dealmaker Alan Sharfstein, serial entrepreneur Bill Bartzak, strategic advisor Bill Barrett, and hands-on exit veteran John Peck. Together, they deconstruct the most urgent and overlooked truths about navigating the sale of your business, from killer red flags and ruthless buyer tactics to essential “owner's playbooks” for every stage.If you're tempted to DIY your deal, break this habit now. Tune in to protect your life's work, avoid devastating oversights, and hear real-world insights you won't find anywhere else. Listen now before the next buyer knocks. By then, you need to be ready.Timestamped Highlights[00:11] – The candid, emotional question that every seller must dare to ask[07:39] – How legendary entrepreneurs survived—and thrived—by switching lanes[09:47] – Why today's M&A market is exploding with both risk and opportunity[14:00] – The one “secret mentor” move that multiplies your business value overnight[21:27] – Shocking? How recurring revenue rewrites your exit story…or kills it[27:20] – The DIY disaster: True stories of owners who left millions on the table[34:07] – The “reverse diligence” test: Are you the buyer…or being bought?[41:12] – Fatal red flags, stealthy earnouts, and the non-negotiables in every deal[48:48] – When to bring your team into the trust circle—and how to handle it[54:28] – How top buyers quietly poach your secrets…and how to block themAbout the SpeakersPeter Levy is Senior Counsel at Mandelbaum Barrett, where he has called home for the past 11 years. As a trusted legal advisor and frequent moderator, Peter brings deep experience and pride in representing one of the finest law firms in the industry. With a longstanding reputation for strategic insight and an engaging, client-centered approach, Peter regularly facilitates panels and seminars for business owners, focusing on topics like exit strategies, business transitions, and personal growth within entrepreneurial careers. His perspective incorporates lessons from leading experts, blending practical business advice with inspiration from renowned thought leaders.

Leo Terrell, Chair of the DOJ Task Force to Combat Antisemitism & DOJ Senior Counsel, makes his debut on the morning show with Sid to talk about his dedication to combating antisemitism 24/7, praising President Trump's and Pam Bondi's support in this mission. He criticizes certain political figures and media outlets for their stance on Jewish issues, highlighting the need for bipartisan efforts against antisemitism. Terrell also addresses the violence against Christians worldwide and reassures that civil rights complaints will be taken seriously. Despite being urged to consider running for office, Terrell reaffirms his commitment to his current role under President Trump. Learn more about your ad choices. Visit megaphone.fm/adchoices