Latest Bankpodcast Podcast Episodes
Community Bankers Are Tired of Being Jerked Around
Banking with Interest - October 03, 2023 10:00 - 34 minutesSteve Scurlock, the head of government relations at the Independent Bankers Association of Texas, talks about the “whipsaw” effect on community banks of regulatory changes that rapidly shift with the change of administrations and regulators—and his biggest fears for the future.
End of an Era: Deposit Gathering Near Rate Cycle Peak
Banking with Interest - September 26, 2023 10:00 - 42 minutesMatt Pieniazek, president of Darling Consulting, and Dave Koch, managing director of advisory services with Abrigo, discuss strategies for banks to navigate the challenging deposit market as the Fed nears the end of its rate hike cycle. Will the Fed raise rates again, how long will rates stay hi...
Are Bank Regulators Overstepping Their Legal Authority?
Banking with Interest - September 19, 2023 10:00 - 44 minutesJonathan Gould, partner with Jones Day and a former general counsel of the Office of the Comptroller of the Currency, makes a case that the federal banking agencies are increasingly pushing the envelope even as courts become more skeptical of their powers. He also discusses the dangers of focus...
The Case Against Higher Bank Capital Requirements
Banking with Interest - September 12, 2023 10:00 - 35 minutesKevin Fromer, president and CEO of the Financial Services Forum, details why the big banks are pushing back vigorously against a new proposal to raise capital at the largest institutions by 20%, arguing it is unnecessary and could cost the U.S. economy at a critical time.
Have We Learned the Wrong Lessons From SVB's Failure?
Banking with Interest - July 26, 2023 10:00 - 37 minutesSteven Kelly, associate director of research at the Yale Program on Financial Stability, pushes back on multiple narratives about why SVB failed and what policymakers should do to prevent another collapse like it. He also weighs in on federal regulators’ new capital proposal and the battle over ...
Beyond the Hype: How FedNow Will Change Payments
Banking with Interest - July 19, 2023 10:00 - 42 minutesAaron Klein, senior fellow in economic studies at the Brookings Institution, talks about why he is skeptical of the impact of FedNow, the central bank’s instant payment system due to launch this week.
How Twitter’s Possible Demise Could Impact Bank Policy Discussions
Banking with Interest - July 12, 2023 10:00 - 38 minutesSean Tuffy, former head of market and regulatory intelligence at Citigroup, talks about how the changing dynamics at Twitter may impact bank policy and media narratives. He also discusses crypto and stablecoin legislation, money market mutual fund reform, and the lessons of Silicon Valley Bank’s...
The Looming Battle Over Bank Capital Requirements
Banking with Interest - June 28, 2023 10:00 - 26 minutesJohn Heltman, Washington Bureau Chief of American Banker, talks about federal regulators’ pending proposal to raise capital on banks with more than $100 billion of assets. He tackles how that fits into the overall Basel capital plan, how banks and Republicans are planning to fight back, and what...
Santander US CEO Wennes on Regional Banks, Capital Regs and Reaching Gen Z
Banking with Interest - June 13, 2023 10:00 - 31 minutesTim Wennes, the CEO of Santander US, talks about the future of regional banks, including the potential for higher capital requirements and a possible credit crunch. He also weighs in on fears around commercial real estate, why the bank is expanding its auto lending business, and how it is tar...
CBA’s Johnson on M&A, Credit Card Late Fees, and CFPB’s Future
Banking with Interest - June 06, 2023 09:00 - 31 minutesLindsey Johnson, who started last summer as the head of the Consumer Bankers Association, discusses how policymakers are reacting to the recent banking turmoil, why the CFPB’s credit card late fee proposal will harm consumers, and whether regulators will allow more M&A.
What Bankers Need to Know After Marathon Hearings
Banking with Interest - May 23, 2023 10:00 - 41 minutesLast week saw a remarkable number of Capitol Hill hearings on the bank policy front, with multiple sessions featuring top bank regulators and the former chief executives of three failed banks. Claire Williams and Kyle Campbell, reporters with American Banker, offer their takeaways and remaining ...
Was the 2018 Reg Relief Law Responsible for Recent Bank Failures?
Banking with Interest - May 17, 2023 10:00 - 36 minutesGreg Baer, the president and CEO of the Bank Policy Institute, takes issue with claims that S. 2155 played a role in the collapse of three regional banks. He also tackles what areas policymakers should look at, whether Congress is likely to enact any legislative changes directed at banks, and wh...
The Banking Crisis That Wasn’t
Banking with Interest - May 09, 2023 10:00 - 31 minutesJohn Blizzard, CEO of Seattle Bank, talks about his experiences after the recent regional bank failures and the lack of concern by customers. He also discusses the nationwide launch of CD Valet, which allows consumers unbiased access to the best CD interest rates.
Four Reports and a Failure
Banking with Interest - May 02, 2023 10:00 - 32 minutesJohn Heltman, Washington Bureau Chief of American Banker, tackles the many policy questions resulting from the failure of First Republic Bank. He also discusses three regulatory reports examining two failures in March—and another report detailing how the FDIC wants to revamp deposit insurance.
How a Former FHFA Director Would Reform the FHLBs
Banking with Interest - April 25, 2023 10:00 - 46 minutesMark Calabria, the former director of the Federal Housing Finance Agency, offers his take on recent criticisms that the Federal Home Loan Banks have gone too far outside their mission—and what he would do to address them.
How Banking Policy Has Changed After Two Massive Bank Failures
Banking with Interest - April 18, 2023 16:42 - 37 minutesRichard Hunt, the former head of the Consumer Bankers Association, and Jaret Seiberg, managing director of Washington Research Group with TD Cowen, return to the show to discuss the post-SVB bank policy world. Is the crisis over? Will Congress enact new legislation and what will it target? What ...
What We Learned After Two Hearings on SVB, Signature Failures
Banking with Interest - March 30, 2023 10:00 - 34 minutesClaire Williams, the Capitol Hill reporter for American Banker and Brendan Pedersen, the banking reporter for PunchBowl News, offer their takeaways from back-to-back hearings on the failures of Silicon Valley Bank and Signature Bank. They discuss what lawmakers were focused on and how regulators...
The Industry Demanded a Bailout. This Regulator Said No.
Banking with Interest - March 16, 2023 10:00 - 41 minutesMark Calabria, former director of the Federal Housing Finance Agency and author of the new book Shelter from the Storm, talks about why he resisted calls to bailout mortgage servicers during the pandemic, and how he knew their predictions of another mortgage crisis were overblown.
The Steep Price Banks May Pay After Latest Financial Rescue
Banking with Interest - March 14, 2023 10:00 - 31 minutesEmily Flitter, finance reporter for the New York Times, tackles the big questions stemming from the extraordinary actions taken by regulators on Sunday. Is this a bailout? Is there another banking crisis in the offing? What are the potential costs to banks? Will they face Dodd-Frank 2.0?
Politico’s Guida on Fed Tea Leaves, Vice Chair Pick and CBDCs
Banking with Interest - March 07, 2023 11:00 - 40 minutesVictoria Guida, economic policy reporter for Politico, dives into what Fed officials are trying to tell markets—and why markets don’t always appear to be taking the hint. She also tackles the latest names up to be the new Fed vice chair and whether Treasury secretly wants to create a central ban...
Are Banks Ready for the Deposit Battle Royale in 2023?
Banking with Interest - February 28, 2023 11:00 - 39 minutesBankers nationwide are experiencing heightened competition for deposits as consumers increasingly recognize their ability to shop for the best rate. Neil Stanley, founder and CEO of The CorePoint, discusses the best strategies banks can use to keep their existing deposits and attract new ones.
What Other Banks Can Learn from Wells Fargo’s Past Troubles
Banking with Interest - February 14, 2023 11:00 - 26 minutesKevin Wack, national editor for American Banker, talks about his multi-part series examining the phony-accounts scandal at Wells Fargo, how he persuaded a former key executive there to provide previously unknown details about what happened, and what other institutions can learn.
Inside the CFPB's Battle Over Credit Card Late Fees
Banking with Interest - February 07, 2023 11:00 - 27 minutesThe CFPB surprised the banking industry last week by proposing to limit credit card late fees to $8, a much lower figure than most expected. Ian Katz, managing director of Capital Alpha Partners and a former Bloomberg reporter, discusses what other specifics are in the plan, how the industry is ...
Are the FHLBs Dangerously Off Mission?
Banking with Interest - January 31, 2023 11:00 - 29 minutesWhile the Federal Housing Finance Agency conducts a historic review of the Federal Home Loan Banks’ mission, several critics are questioning whether the housing government-sponsored enterprises have lost sight of their original purpose. Karen Shaw Petrou, managing partner of Federal Financial An...
Banking-as-a-Service is “Here to Stay,” New Association CEO Says
Banking with Interest - January 24, 2023 11:00 - 26 minutesBill Briggs, a key architect of the Paycheck Protection Program, talks about his just-announced role as the CEO of the Banking as a Service Association, a group representing banks that partner with fintechs to allow them to offer financial services. He discusses the need for a new set of best pr...
Rodgin Cohen on Crypto, Capital and M&A Challenges
Banking with Interest - January 17, 2023 10:00 - 44 minutesH. Rodgin Cohen, the senior chair of Sullivan & Cromwell and one of the country’s preeminent bank lawyers, talks about how heightened regulatory scrutiny of M&A is impacting the industry, whether some banks are “too big to manage,” the Fed’s plans to raise capital, and the dire need for crypto r...
Pardon The Interruption: The Banking Policy Edition
Banking with Interest - December 13, 2022 11:00 - 50 minutesPolite disagreement is overrated. Richard Hunt, the former CEO of the Consumer Bankers Association, and Jaret Seiberg, a top bank analyst with Cowen Washington Research Group, spar (and sometimes agree) over several critical topics in financial services. That includes pending Fed changes to capi...
Inside the Battle Over Fed Master Accounts
Banking with Interest - December 06, 2022 11:00 - 31 minutesThe Fed is proposing to name all nonbank companies that apply for—and ultimately receive—a master account with the central bank. Kyle Campbell, the Fed reporter for American Banker, goes through why this issue matters to banks, how it connects to both a lawsuit and possible legislation, and wher...
Why Regulators Need to Rework CRA Reform: Ludwig
Banking with Interest - November 29, 2022 11:00 - 42 minutesEugene Ludwig, the former Comptroller of the Currency who led the last successful effort to reform the Community Reinvestment Act, details why the current proposal by regulators needs to be reproposed. He also tackles how banks should be evaluating their fintech partnerships in light of supervis...
What Election Surprises, Crypto Chaos and Twitter Meltdown Mean for Bankers
Banking with Interest - November 15, 2022 14:30 - 52 minutesIt’s been another hectic week in the financial regulatory world, with Democrats unexpectedly outperforming in the midterm elections while separately another crypto meltdown ensued. But what will this mean for bankers? John Heltman, the Washington Bureau Chief of American Banker, and Brendan Pede...
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