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Content provided by Rachel Morrissey, Sheryl Chen, Ian Horne, Rachel Morrissey, Sheryl Chen, and Ian Horne. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Rachel Morrissey, Sheryl Chen, Ian Horne, Rachel Morrissey, Sheryl Chen, and Ian Horne or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.
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AFC SERIES: True Lender Debate: Navigating Fintech & Regulation

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Manage episode 476920467 series 2636968
Content provided by Rachel Morrissey, Sheryl Chen, Ian Horne, Rachel Morrissey, Sheryl Chen, and Ian Horne. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Rachel Morrissey, Sheryl Chen, Ian Horne, Rachel Morrissey, Sheryl Chen, and Ian Horne or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

The disapproval of the OCC’s True Lender Rule in 2021 sparked a seismic shift in the fintech lending space, leaving a cloud of uncertainty over the regulatory landscape. As states roll out new true lender definitions and federal guidance remains elusive, the future of bank-fintech partnerships hangs in the balance. In this episode, we dive deep into the disruptive changes reshaping the industry, explore the potential impact of the new administration’s regulatory agenda, and debate what it will take to balance innovation with consumer protection. Tune in for a forward-looking discussion on what’s next for fintech lending in a rapidly evolving regulatory environment.

Hosts: Rachel Morrissey, Money20/20 US

Ian P. Moloney, SVP, Head of Policy and Regulatory Affairs

Guest: Martha O’Malley, Assistant General Counsel, Prosper

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  continue reading

Chapters

1. Introduction to True Lender Debate (00:00:00)

2. Bank Partnership Model Explained (00:02:19)

3. True Lender Doctrine History (00:06:03)

4. State Regulatory Approaches (00:09:14)

5. Impact on Consumers and Markets (00:12:42)

6. The Case for a Federal Fix (00:18:05)

7. Consumer Benefits and Final Thoughts (00:22:06)

157 episodes

Artwork
iconShare
 
Manage episode 476920467 series 2636968
Content provided by Rachel Morrissey, Sheryl Chen, Ian Horne, Rachel Morrissey, Sheryl Chen, and Ian Horne. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Rachel Morrissey, Sheryl Chen, Ian Horne, Rachel Morrissey, Sheryl Chen, and Ian Horne or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

The disapproval of the OCC’s True Lender Rule in 2021 sparked a seismic shift in the fintech lending space, leaving a cloud of uncertainty over the regulatory landscape. As states roll out new true lender definitions and federal guidance remains elusive, the future of bank-fintech partnerships hangs in the balance. In this episode, we dive deep into the disruptive changes reshaping the industry, explore the potential impact of the new administration’s regulatory agenda, and debate what it will take to balance innovation with consumer protection. Tune in for a forward-looking discussion on what’s next for fintech lending in a rapidly evolving regulatory environment.

Hosts: Rachel Morrissey, Money20/20 US

Ian P. Moloney, SVP, Head of Policy and Regulatory Affairs

Guest: Martha O’Malley, Assistant General Counsel, Prosper

Follow us on LinkedIn

  continue reading

Chapters

1. Introduction to True Lender Debate (00:00:00)

2. Bank Partnership Model Explained (00:02:19)

3. True Lender Doctrine History (00:06:03)

4. State Regulatory Approaches (00:09:14)

5. Impact on Consumers and Markets (00:12:42)

6. The Case for a Federal Fix (00:18:05)

7. Consumer Benefits and Final Thoughts (00:22:06)

157 episodes

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