The FinReg Pod

Dec 23 2024 84 ep. 58 mins 21
The FinReg Pod Podcast artwork

Go behind the scenes of some of the most interesting topics at the intersection of finance, law, and public policy. Hosted by Lee Reiners.

  Business  Government
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Bank Capital and the Death of Basel Endgame

Dec 23 2024 67 mins  
Professor Anat Admati, co-author of The Bankers’ New Clothes, discusses the new and expanded edition of her groundbreaking book. Anat and Lee reflect on the persistent fragility of the banking system, the Federal Reserve’s Basel Endgame proposal, and the future of international regulatory coordination. Anat also shares her insights on why stronger bank equity requirements are

Earned Wage Access: Innovation or Payday 2.0?

Nov 25 2024 42 mins  
Yasmin Farahi and Lucia Constantine from the Center for Responsible Lending discuss the promises and perils of Earned Wage Access programs. Discover how these fintech products operate, the financial traps they can create, and the regulatory debates shaping their future. Related Links: A Loan Shark in Your Pocket: The Perils of Earned Wage Advance Paying to be Paid: Consumer Prote

Regulating Data Brokers in Financial Services

Nov 18 2024 56 mins  
Justin Sherman is the founder and CEO of Global Cyber Strategies, a nonresident senior fellow at the Atlantic Council, and an adjunct professor and senior fellow at Duke University’s Sanford School of Public Policy, where he founded and leads its data brokerage research project. He joins Lee to discuss how data brokers obtain and use sensitive data, the role they play in financia

Betting on Elections

Oct 30 2024 52 mins  
Dan Berkovitz and Laurian Cristea discuss the regulatory and ethical challenges surrounding political event contracts. They explore the history, recent legal developments, and the future implications of betting on political outcomes, especially as the CFTC tightens its stance on these controversial markets. Lee’s X: @leereiners Related Links: CFTC proposed amendments to its r

Do Nonbank Mortgage Companies Threaten Financial Stability?

Oct 22 2024 62 mins  
Ed DeMarco is president of the Housing Policy Council and former acting director of the Federal Housing Finance Agency. He discusses the rise of nonbank mortgage companies and what the Financial Stability Oversight Council’s recent report on nonbank mortgage servicing gets right and what it gets wrong. Ed also offers his thoughts on the FHFA’s Title Insurance Waiver Pilot Progr

Finishing the Progressive Financial Reform Agenda

Oct 01 2024 72 mins  
Graham Steele is the former Assistant Secretary for Financial Institutions at the U.S. Department of the Treasury. He discusses insights from his latest paper for the Roosevelt Institute, "The End of Banking History? Finishing the Unfinished Business of Financial Reform." From the impact of the 2018 deregulatory “tailoring” project, which weakened post-crisis reforms, to the c

Reforming the Federal Home Loan Banks

Sep 11 2024 61 mins  
Kathryn Judge is a professor at Columbia Law School and Aaron Klein is a Senior Fellow at the Brookings Institution. They discuss the origins of the Federal Home Loan Banks, the role they played in propping up failing banks in the 2023 regional banking crisis, and their ideas for how the FHLBs can be reformed to better fulfill their public mission to promote housing and community

Index Funds and Private Equity: How Corporate Power Shapes Markets and Democracy

Aug 15 2024 100 mins  
John Coates is the John F. Cogan, Jr. Professor of Law and Economics at Harvard Law School and author of “The Problem of Twelve: When a Few Financial Institutions Control Everything.” According to John, a problem of twelve arises when a small number of institutions acquire the means to exert outsized influence over the politics and economy of a nation. In this episode, John di

What the Regional Bank Failures of 2023 Reveal About Ending Too Big to Fail

Aug 08 2024 81 mins  
Art Wilmarth, Professor Emeritus of Law at the George Washington University Law School, reflects on the regional banking crisis of spring 2023 and how decisions made by regulators to resolve Silicon Valley Bank, Signature Bank, First Republic Bank, and Credit Suisse reveal that we have still not solved the Too Big to Fail problem. Lee’s X: @leereiners Lee’s Website: www.leer

How to Stop a Bank Run

Aug 01 2024 72 mins  
Eric Spitler, former Director of the Office of Legislative Affairs at the FDIC, discusses his paper on the history of bank runs and how he would reform deposit insurance to address the weaknesses revealed by last spring’s regional banking crisis. Lee’s X: @leereiners Related Links: Yelling 'Fire' in the Financial Theater: Bank Runs in the Social Media Age and the Threat to Fina