RegFi Podcast

Hosted by Orrick

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Episodes

103

Latest episode

Jun 2026

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About the show

Financial regulation will change more over the next decade than it has in the last 50 years. How will technological innovation – including the adoption of machine learning, generative AI, digital currencies, and other fintech solutions – shape financial regulation for the digital economy? Orrick's Jerry Buckley is joined by Sasha Leonhardt, Sherry Safchuk, and Caroline Stapleton in hosting conversations with leading thinkers at the forefront of these changes, including regulators, legislators, financial services providers, data scientists, academics, opinion makers, consumer advocates and other market participants.

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60 recent

June 10, 2026Episode 10335 min

Why More Fintechs Are Pursuing Bank Charters

American Fintech Council Chief Policy Officer Ian Moloney joins RegFi co-hosts Jerry Buckley and Sherry Safchuk to examine why a growing number of fintech companies are pursuing bank charters. They discuss the evolution of bank-fintech partnerships, the factors driving renewed charter activity, and the business, regulatory and operational considerations fintechs must weigh when deciding whether to become regulated financial institutions. The conversation explores chartering pathways, access to deposits and the payments system, and the implications of state and federal regulatory developments. The group also consider how recent policy developments aimed at promoting financial innovation and competition may influence the future of bank chartering and the fintech ecosystem. Links: American Fintech Council Orrick Financial & Fintech Advisory RegFiPodcast.com

June 3, 2026Episode 10231 min

The CFPB's Rulemaking Authority to Advance Financial Innovation

John Coleman, Orrick Partner and former CFPB Deputy General Counsel, joins RegFi co-hosts Jerry Buckley and Caroline Stapleton to examine the Consumer Financial Protection Bureau's authority to interpret, tailor and exempt requirements under the consumer financial protection laws within its jurisdiction. Prompted by the May 19 Executive Order directing federal financial regulators to modernize financial services regulation, they discuss the CFPB's broad rulemaking powers under the Dodd-Frank Act and other federal consumer protection statutes. The conversation explores the Bureau's ability to create exemptions, authorize trial disclosure programs and adapt regulatory requirements to evolving technologies, as well as whether existing authorities could be used to improve consumer disclosures in an increasingly digital marketplace. Links: "Integrating Financial Technology Innovation into Regulatory Framework" (Executive Order, May 19, 2026) Orrick Financial & Fintech Advisory Practice RegFiPodcast.com

May 27, 2026Episode 10130 min

The Mechanics of Tokenized Deposits

Orrick partners Dan Ullman and Ben Hutten join RegFi co-hosts Jerry Buckley and Sasha Leonhardt to examine the mechanics of tokenized deposits and the evolving regulatory framework surrounding digital payments. They discuss the FDIC's proposed treatment of tokenized deposits under the GENIUS Act, the infrastructure banks would need to support tokenized payment systems, interoperability challenges, and the implications for liquidity, compliance and financial crime monitoring. The conversation also explores how tokenized deposits may develop alongside stablecoins in the broader digital asset ecosystem. Links: RegFi Ep. 98: Tokenized Deposits and the Evolving Structure of Digital Currency Orrick Blockchain & Digital Assets Orrick Financial & Fintech Advisory Practice RegFiPodcast.com

May 20, 2026Episode 10029 min

RegFi Episode 100: Innovation, Regulation and What Lies Ahead

Marking RegFi's 100th episode, co-hosts Jerry Buckley, Sasha Leonhardt, Sherry Safchuk, and Caroline Stapleton revisit the thesis on which they launched the podcast in October 2023: that financial regulation, driven by technology, will change more in the next 10 years than it has over the previous 50. When RegFi launched, generative AI was less than a year old, agentic AI was still on the horizon, the GENIUS Act had yet to be written, prediction markets were in their infancy, state privacy legislation was still evolving, the Section 1033 rule had not yet been proposed, and the CFPB itself was a very different agency than it is today. Reflecting on the rapid developments of the past two and a half years, the pace of change is only accelerating — requiring regulators to embrace new technology-enabled approaches in a world where agentic AI may transform the delivery of financial services, quantum computing is drawing nearer, data security and fraud threats are intensifying, and new entrants continue to reshape the financial services marketplace. Links: Orrick Financial & Fintech Advisory Practice RegFiPodcast.com

May 13, 2026Episode 9926 min

Unlocking Legal Data for AI and Compliance

OpenLaws founder and CEO John Phamvan joins RegFi co-hosts Jerry Buckley and Sherry Safchuk to examine how OpenLaws is building comprehensive, reliable, and continuously updated access to statutes, regulations, and other legal materials across federal and state jurisdictions. They discuss the challenges of sourcing and standardizing legal data at scale, the role of OpenLaws' API and emerging products in supporting legal, compliance, and public policy workflows, and the growing importance of high-quality legal data in AI-driven environments. The conversation also explores OpenLaws' public benefit mission, its plans to expand into legislative and administrative materials, and the broader implications for access to law and regulatory compliance in a rapidly evolving digital landscape. Links: OpenLaws Public Benefit Corporation Orrick Financial & Fintech Advisory Practice RegFiPodcast.com

May 6, 2026Episode 9841 min

Tokenized Deposits and the Evolving Structure of Digital Currency

Arthur Wilmar joins RegFi co-hosts Jerry Buckley and Sasha Leonhardt to examine the emerging role of tokenized deposits. They discuss recent developments that provide a regulatory pathway for tokenizing deposits and the broader environment for banks entering the space. The conversation compares the functions and regulation of cryptocurrencies, stablecoins and tokenized deposits, including the use of public versus permissioned blockchains. The episode also explores the potential use of tokenized deposits as an inflation hedge in countries where inflation is high. Links: Orrick Financial & Fintech Advisory Practice RegFiPodcast.com

April 30, 2026Episode 9743 min

Beyond APR: How AI Is Changing Mortgage Shopping

Fincast founder Benjamin Schieken joins RegFi co-hosts Jerry Buckley and Sherry Safchuk to discuss how AI-enabled technology can transform the mortgage shopping process by enabling consumers to compare loan options more effectively and introducing greater competition among lenders. This evolving digital approach considers not only APR, but also total transaction costs and the likely duration of the loan for an individual borrower, helping to clarify the true economics of mortgage decisions and potentially saving consumers thousands of dollars. The conversation also looks to the future, where agentic AI could empower consumers to make more informed and automated financial decisions across a range of products and services. Links: Fincast Orrick Financial & Fintech Advisory Practice RegFiPodcast.com

April 22, 2026Episode 9629 min

Rethinking AML: How AI is Transforming Financial Crime Compliance

In this episode, RegFi co-hosts Jerry Buckley and Sherry Safchuk are joined by Matt Van Buskirk, Hummingbird Regtech Co-Founder and CEO, Regulatory, to examine how AI is transforming anti-money laundering and fraud detection. They discuss how AI-driven tools are shifting compliance from manual data gathering to higher-value investigative work, the growing role of blockchain data in identifying illicit activity, and why "compliance by design" may redefine the role of the chief compliance officer. The conversation also explores the urgent need for regulatory modernization as global fraud and scam activity accelerates. Links: Hummingbird Regtech Orrick Financial & Fintech Advisory Practice RegFiPodcast.com

April 15, 2026Episode 9536 min

Assessing the Impact of a 10% Rate Cap on Credit Cards

AEI's Paul Kupiec joins RegFi co-hosts Jerry Buckley and Sasha Leonhardt to analyze the potential impact of a proposed 10% cap on credit card balances. Kupiec, a highly respected commentator on financial markets, delves deeply into the economics of the credit card business and assesses what could change if such a cap were implemented. He also shares insights on the challenges facing the Federal Reserve as economic uncertainty and inflationary pressures mount. Links: "Should Credit Card Interest Rates Be Capped at 10 Percent?" (AEI Report) American Enterprise Institute (AEI) Orrick Financial & Fintech Advisory RegFiPodcast.com

April 8, 2026Episode 9429 min

AI Governance in Consumer Finance

In this RegFi episode co-hosts Jerry Buckley and Caroline Stapleton examine the evolving policy landscape governing AI in financial services. They discuss the federal government's push to avoid a patchwork of state AI laws and the extent to which existing consumer protection laws—such as ECOA, FCRA and UDAAP—can address AI-driven risks without new legislation. The conversation also highlights Treasury's newly released Financial Services AI Risk Management Framework and how public-private collaboration and nonbinding standards may shape AI governance as adoption accelerates across the industry. Links: Financial Services AI Risk Management Framework Orrick AI Law Center Orrick Financial & Fintech Advisory RegFiPodcast.com