Shows / Banking with Interest
Banking with Interest
Banking with Interest, a podcast by IntraFi, features in-depth analysis and insight into the policy changes reshaping the banking industry. With insightful interviews and previews of pending policy challenges, the podcast is an essential listen for anyone connected to the financial services industry. Banking with Interest is hosted by Rob Blackwell, an award-winning former journalist with more than two decades of experience as an expert on financial services policy. He is now Chief Content…
Episodes
Banking with InterestWhat Does Debanking Even Mean Anymore?
Jason Mikula, author of Fintech Business Weekly, examines the OCC's recent debanking report, why the term has become so politicized, and where banks'…
Banking with InterestHow Citi Is Putting AI to Work
Brent McIntosh, Citigroup's chief legal officer and corporate secretary, discusses how one of the world's largest banks is deploying AI, from everyday employee…
Banking with InterestCongress May Flip. What Actually Changes for Banks?
Cam Fine, former head of ICBA, and Ed Yingling, former head of ABA, break down what different midterm election outcomes could actually mean for banks, from…
Banking with InterestIs CRA Reform Stuck in a Regulatory Doom Loop?
The OCC and FDIC, but not the Fed, have released a new proposal to rework implementation of the Community Reinvestment Act. Is this one liable to stick when…
Banking with InterestICBA's Rainey on Crypto, AI and the Future of Community Banking
ICBA President and CEO Rebeca Romero Rainey discusses the failed Senate vote on crypto market structure legislation, community bank concerns about stablecoin…
Banking with InterestHow New Reciprocal Deposit Rules Help Community Banks Compete
Community banks have more room to compete for deposits following a new law that changes how reciprocal deposits are treated. Drew Keith of Texas Security Bank…
Banking with InterestInside Treasury's Push to Reset Bank Regulation
Former Treasury undersecretary Jonathan McKernan explains why the department took a more active role coordinating bank regulation and what officials hoped to…
Banking with InterestHow Banks Clouded the CLARITY Act's Future
Brendan Pedersen, financial services reporter for Punchbowl News, breaks down why the CLARITY Act's prospects have deteriorated, including a renewed revolt by…
Banking with InterestIf AI Can't See Your Bank, Does It Really Exist?
Penny Crosman, American Banker's executive editor for technology, discusses why some banks dominate AI-generated answers while others are nearly invisible…
Banking with InterestAfter Vought's Exit, Will CFPB Return to Normal?
Over the past year and a half, Acting CFPB Russell Vought has sought to largely shut down the CFPB by severely cutting staff, stopping enforcement actions and…
Banking with InterestThe Affordability Debate Comes for Banks
Lindsey Johnson, president and CEO of the Consumer Bankers Association, talks about why affordability concerns are putting renewed political pressure on banks…
Banking with InterestThe Big Question for Banks: How Durable Is This Moment?
Brian Gardner, chief Washington policy strategist at Stifel, tackles how durable the Trump administration's fast-moving regulatory and other changes are likely…
Banking with InterestWhat Policymakers Still Get Wrong About Housing Finance
Michael Bright, CEO of the Structured Finance Association and a former head of Ginnie Mae, joins the show to discuss the state of the U.S. housing finance…
Banking with InterestBanks Are Asking the Wrong Question About AI
Alex Johnson, founder of Fintech Takes, details why many banks are thinking about AI the wrong way. He updates his views on stablecoins vs. tokenized deposits…
Banking with InterestHave Banks Already Lost the Fight Over Stablecoin Yield?
Banks have fought a comprehensive effort to ensure stablecoins cannot offer yield. But the Senate Banking Committee passed a bill that the banking industry…
Banking with InterestThe New Push to Refocus Bank Supervision
Andrew Olmem, managing partner of Mayer Brown's Washington office and a former deputy director of the National Economic Council, talks about how the second…
Banking with InterestThe New Front in the Swipe Fee Fight
Richard Hunt, executive chairman of the Electronic Payments Coalition, discusses the expanding fight over interchange and why the battle is no longer centered…
Banking with InterestIs this the End of the Chair-Driven Fed?
Nick Timiraos, chief economics correspondent at The Wall Street Journal, discusses the unusually fraught transition now underway at the Federal Reserve. He…
Banking with InterestAI Is Coming for Bank Deposits
Deposit strategist Neil Stanley sits down with guest host Barb Rehm to discuss how AI is changing depositor behavior, pricing strategy, and the future of bank…
Banking with InterestThe Growing Risk of Rogue AI in Banking
Penny Crosman, executive editor for technology at American Banker, talks about the growing risk of "rogue AI" in banking and why generative and agentic AI have…
Banking with InterestBanks Can't Wait on AI, Former OCC Chief Hsu Says
Mike Hsu, the former acting Comptroller of the Currency, explains how waiting to adopt artificial intelligence has become a risk for banks and their…
Banking with InterestThe High-Stakes Trap Facing Kevin Warsh
Sam Sutton, author of Politico's Morning Money, discusses Kevin Warsh's nomination to lead the Federal Reserve and the difficult position he could find himself…
Banking with InterestThe Battle Over CBDC Has Shifted. The Stakes Haven't.
Nick Anthony, a policy analyst at the Cato Institute and a leading critic of central bank digital currencies, explains why the CBDC fight is not over even as…
Banking with InterestAn Idiot's Guide to Basel III Endgame
Federal regulators released their third effort at implementing Basel III in three years, with this one taking a radically different approach to the previous…
Banking with InterestBehind the House-Senate Standoff Over the Housing Bill
Both the House and Senate have passed bipartisan bills designed to promote housing affordability, but the two chambers are now squaring off with each other…
Banking with InterestThe Next Regulatory Swing: Kathy Kraninger on CFPB, AI and Fraud
Kathy Kraninger has seen the banking system from both sides of the regulatory divide. The former director of the Consumer Financial Protection Bureau and now…
Banking with InterestWhy the Fight Over Preemption is Red Hot Again
Brandon Milhorn, CEO of the Conference of State Bank Supervisors, argues that the Office of the Comptroller of the Currency is pushing beyond its statutory…
Banking with InterestWill the Administration Require Banks to Collect Citizenship Information?
The Trump administration is considering possible executive action that could require banks to begin collecting citizenship information from new and existing…
Banking with InterestHow Fifth Third Thinks About Scale and Risk
Ben Hoffman, chief strategy officer and head of consumer products at Fifth Third Bank, joins the show to discuss the bank's acquisition of Comerica and what it…
Banking with Interest'All Hell Might Break Loose': The High Stakes for the Fed's Future
As the Supreme Court weighs the fate of Fed Gov Lisa Cook and the Justice Department launches a criminal probe into Chair Jerome Powell, the future of the U.S…
Banking with InterestThe Crypto Market Structure Bill Got Shelved. What's Next?
Bowing to industry pressure, Senate Banking abruptly postponed its vote on the crypto market structure bill last week. Brendan Pedersen, senior policy reporter…
Banking with InterestThe Anti-Money Laundering Regime Is Broken. Can It Be Fixed?
Juan Zarate, who helped create the current anti-money laundering regime 25 years ago while working at Treasury, assesses the system's faults and the Trump…
Banking with InterestWhat Community Banks Are Facing in 2026
Julieann Thurlow, CEO of Reading Cooperative Bank, talks about the opportunities and challenges for community banks this year. She discusses the economic…
Banking with InterestAll I Want for Xmas Is a OCC Digital Charter
As the year comes to a close, the OCC approved five crypto-related firms for new charters, a move that could have big consequences for the banking industry…
Banking with InterestInside the 2025 Bank Reg U-Turn
It's safe to say 2025 has marked a dramatic change from the Biden-era bank regulatory agenda. The Trump-appointed regulators are talking about rethinking…
Banking with InterestIs this the End of the CFPB?
The Trump administration is refusing to take funds to pay for ongoing operations at the Consumer Financial Protection Bureau, arguing the funding structure is…
Banking with InterestAs Crypto Talks Heat Up Again, Can Congress Cut a Deal?
Senate negotiators have started talking again on a crypto market structure bill after a breakdown in discussions earlier this year. Does the bill have…
Banking with InterestWhy Gutting the CDFI Fund Hurts Banks, Communities
As the government shutdown drags on, the Treasury Department fired the entire staff of the CDFI Fund, a program with substantial bipartisan support. Dennis…
Banking with InterestThe Battle Over the Fed's Future
Aaron Klein, senior fellow at the Brookings Institution, explains how the Supreme Court is likely to react to President Trump's efforts to fire Fed Gov. Lisa…
Banking with InterestHFSC Chair Hill on Agenda, Crypto, Fraud & Housing
More than two dozen bills dedicated to Making Community Banks Great Again have passed House Financial Services Committee. Panel Chair French Hill handicaps…
Banking with InterestAnchorage Digital: Inside the First Crypto Bank
Nathan McCauley, Cofounder and CEO of Anchorage Digital, discusses how his institution obtained the first OCC digital trust charter five years ago, how it has…
Banking with InterestStablecoins, Tokenized Deposits and the Race to Win the Future of Money
Alex Johnson, founder and publisher of FinTech Takes, sorts through what happens now that Congress has passed a new law to regulate stablecoins. Will…
Banking with InterestWhat the Fight Over Fed's Powell is Really About
Victoria Guida, economics correspondent and columnist for Politico, talks about President Trump's reported decision – and then quick reversal – of a move last…
Banking with InterestWhy Crypto Firms Are Lining Up to Charter Banks
Crypto firms often pitch themselves as an alternative to and the future of traditional finance. So why are firms like Ripple, Circle, Wise and Erebor…
Banking with InterestA Backdoor Way to Merge Bank Regulators?
Todd Phillips, assistant professor at Georgia State University's Robinson College of Business, discusses the latest attempt to merge bank regulatory agencies…
Banking with InterestYou Say You Want a (Global Payments) Revolution
Tom Halpin, the regional head of North America Global Payment Solutions for HSBC, talks about how AI and new technologies are changing domestic and global…
Banking with InterestAre Banks Really Ready for AI?
Kiah Haslett, banking and fintech editor for Bank Director and FinXTech, talks about how Wall Street giants like Bank of America and community-focused lenders…
Banking with InterestAfter a Fraud, this Bank Refused to Give Her Money Back. Now She's the CEO.
While serving in the Oklahoma National Guard, Jill Castilla returned home to find a family member had stolen her money. The bank refused to give her the money…
Banking with InterestPolitico's Sutton on China Tariff Deal, Behind the Scenes at Milken
Sam Sutton, the author of Politico's Morning Money, discusses the impact of the Trump Administration's recent deal to reduce tariffs on China, and what Wall…
Banking with InterestInside Dems Surprising Turn Against the Stablecoin Bill
Brendan Pedersen, author of Punchbowl News' The Vault, talks about why key Democrats withdrew support for a bill to regulate stablecoins, how House Financial…
Banking with InterestIs This the End of the Fed and CFPB As We Know Them?
President Trump is flirting with the idea of firing Fed Chairman Jerome Powell while the administration is attempting to lay off 90% of the CFPB's employees…
Banking with InterestHow Tariffs Impact Banks, Bessent's Ambitious Agenda & Stablecoin Fears
Jaret Seiberg, managing director at TD Cowen, talks about how the uncertain economic environment—and changing policies regarding tariffs—are impacting banks…
Banking with InterestWhy State Regulators Are Worried About Stablecoin Legislation
Brandon Milhorn, the CEO of the Conference of State Bank Supervisors, details his concerns about bills fast-tracked in Congress that would give regulatory…
Banking with InterestWhat the Hell Is Going on with the GSEs?
Katy O'Donnell, the financial services reporter for Politico, dives into a series of surprising moves by new FHFA Director Bill Pulte, including firing the CEO…
Banking with InterestWhat the Hell is Going On: CDFI, CFPB Edition
The Trump administration unexpectedly targeted the Community Development Financial Institution Fund, touching off concern among bankers and their…
Banking with InterestHow Treasury's Bessent Is Upending Bank Regulation
Not that long ago, the Treasury secretary mostly took a back seat to the banking agencies in crafting policy, stepping in only during times of crisis. Not…
Banking with InterestZelle Chief on Fraud, Friction and Future
Cam Fowler, the CEO of Zelle parent company Early Warning Services, talks about the peer-to-peer payment system's rapid growth, the furor around fraud, and its…
Banking with InterestRep. Lucas on Fed Independence, Bank Supervisory Role
Rep. Frank Lucas, the chair of a newly created Congressional task force on monetary policy, discusses the panel's agenda and upcoming hearings, the first of…
Banking with InterestWhat the Hell is Going On, Part II: Merging OCC, FDIC?
The Trump administration wants to fold the FDIC's bank oversight duties into the OCC without congressional approval. Evan Weinberger, a banking correspondent…
Banking with InterestWhat the Hell is Going On? A Banker's Guide to D.C.
Victoria Guida of Politico and Brendan Pedersen of Punchbowl News sort through how and why the Trump administration is remaking banking regulation. Is the CFPB…