Episódios
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The new administration is moving fast, and payments regulations are caught up in the changes. Recent leadership nominations, staff reductions, and agency reviews are raising big questions about the future of regulation — especially at the CFPB. Will the Bureau continue its enforcement agenda, scale back, or be restructured entirely?
In this episode, IPA CEO Brian Tate joins Ben Jackson to discuss:
The nomination of new leadership at the CFPB and OCC and what it signals for financial regulation.
The ongoing review of the CFPB, potential workforce reductions, and how it might impact enforcement.
What could happen to existing rules like overdraft and open banking in this changing environment.
The possibility of other regulators or lawsuits stepping in to enforce CFPB rules.
Recorded on February [DATE], 2025, this episode provides key insights into the shifting regulatory landscape and what payments companies should expect in the months ahead.
Stay Informed with IPA:
Subscribe to the podcast for real-time updates.
IPA members: Join our government relations and fraud prevention calls for deeper insights.
Join us in Washington, DC, from April 29 to May 1 for the Innovative Payments Conference and hear directly from regulators and policymakers. Learn more at IPA.org.
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The Trump administration’s efforts to reshape Washington may have major implications for the payments industry. One of the biggest developments? Elon Musk’s team has reportedly gained access to key Treasury payment systems, which could change how federal payments are processed.
In this episode of the IPA Payments Pod, IPA CEO Brian Tate joins Ben Jackson to break down:
What Musk’s access to federal payment systems could mean for payments innovation and competition.
The potential role of the newly announced X Money Account in processing government payments.
Privacy and security concerns related to access to taxpayer and benefits recipients’ data.
The latest changes at the CFPB and what they could mean for payments regulation.
This podcast was recorded on February 4, 2025. Keep in mind that developments may have occurred since then.
Stay Informed with IPA:
Subscribe to the podcast and share it with colleagues to stay up to date on critical industry developments.
IPA members, be sure to attend our regular government relations and fraud prevention calls for the latest updates.
Join us in Washington, DC, from April 29 to May 1 for the Innovative Payments Conference to hear from regulators, lawmakers, and industry leaders. Learn more and register at IPA.org.
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The second Trump administration has kicked off with significant regulatory actions that could impact the payments industry. In this episode, IPA CEO Brian Tate joins Ben Jackson to break down the latest developments and explore what they might mean for financial services.
Key topics include:
The executive order on regulatory freeze: What it does and doesn’t do.
The future of crypto regulation and its possible integration into traditional finance.
Speculations on upcoming changes in oversight, rules, and enforcement.
Recorded on January 22, 2025, this episode provides early insights into the administration’s financial priorities and what they might mean for payments and banking. Things may have changed by the time you hear it.
Resources and Events:
Learn more about IPA’s weekly and monthly government relations working groups and Financial Crimes Prevention calls by visiting IPA.org.
Join us at the IPA Annual Conference in Washington, DC, from April 29 to May 1. Explore innovation, regulation, and strategies for navigating the evolving payments landscape. Register here.
Subscribe to this podcast to stay updated on key developments in the payments industry. Don’t forget to leave a review and share it with colleagues! -
The Consumer Financial Protection Bureau is starting 2025 with a significant move—a proposed interpretive rule expanding the scope of products regulated under Regulation E. Despite the expectation that CFPB Director Rohit Chopra will be replaced by the next administration, the Bureau continues its active rulemaking and enforcement efforts.
In this episode of the IPA Payments Pod, I’m joined by Brian Tate, the IPA’s CEO, to discuss the implications of this proposed rule for the payments industry. We dive into:
Key provisions of the rule.
Its potential longevity amidst a changing administration.
How it might serve as a foundation for regulatory reform.
This podcast was recorded on January 14, 2025. Things may have changed by the time you hear it.
Stay tuned as we monitor updates to this proposed rule.
Don’t miss our upcoming Webinar on January 23, where we’ll discuss strategies for working with older adults who have experienced fraud. Members can register at IPA.org.
Subscribe to the IPA Payments Pod, leave us a review, and share this episode with your colleagues to stay informed on critical regulatory changes shaping the payments industry. -
Host: Ben Jackson
Guest: Brian Tate, CEO, IPA
Recorded: December 19, 2024Episode Summary:
How much influence do CEOs really have in the White House? In this episode, we dive into this question through the lens of Tevi Tory's book, The Power and the Money. Tory explores the relationships between presidents and the heads of business throughout history, shedding light on how business leaders have shaped U.S. policy.Join Ben Jackson and Brian Tate, IPA’s CEO, as they discuss the key takeaways from the book and what lessons it offers for today’s business leaders. They reflect on the examples presented in the book and share personal insights from their own careers.
This podcast was recorded on December 19, 2024, so please note that some information may have changed since then.
Membership Information:
Not a member yet? Discover the benefits of joining the IPA, including access to exclusive events and resources. Visit IPA.org for more details. -
The results of the election are set to reshape payments regulation, but the work of the current administration will leave a lasting impact on the industry. In this episode, Ben Jackson, IPA’s COO, sits down with Brian Tate, the IPA’s CEO, to discuss what this period of change means for payments.
From shifts in the congressional banking committees to ongoing legal battles and the finalization of key rules, they explore how today’s developments will shape tomorrow’s landscape. Tune in to gain insights on navigating these changes and staying ahead in the payments industry.
Recorded on December 12, 2024. Note: Developments may have occurred since recording. Learn more about the IPA and the benefits of membership at IPA.org.
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Host: Ben Jackson
Guest: Ross McFerrin, Vice President of Enterprise Growth, Trustly
Recorded: October 24, 2024Episode Summary:
In this episode, Ben Jackson sits down with Ross McFerrin from Trustly to explore the future of digital payments and the rise of "pay-by-bank" options. As cards face potential competition, pay-by-bank may soon enable consumers to make purchases directly from their bank accounts, transforming e-commerce and in-store transactions alike. Ross shares insights on how pay-by-bank works, why it’s advantageous for banks, merchants, and shoppers, and what this shift could mean for the broader payments landscape.Membership Information:
Not a member yet? Discover the benefits of joining the IPA, including access to exclusive events and resources. Visit IPA.org for more details. -
In this episode, Ben Jackson sits down with Kate Lybarger, the director and head of payments innovation at Discover Global Network, to discuss how to think about innovation in the context of technological change. Listen in as they discuss how companies can develop meaningful new products as tech tools like artificial intelligence and open banking reshape financial services.
They cover what innovation means in a company, how to separate tech hype from reality, and why the head of innovation sometimes needs to be the head diplomat in a company.
This podcast was recorded on November 6, 29024, things may have changed by the time you hear it.
Membership Information:
Not a member yet? Discover the benefits of joining the IPA, including access to exclusive events and resources. Visit IPA.org for more details. -
Host: Ben Jackson
Guest: Brian Tate, CEO, Innovative Payments AssociationRecorded: November 14, 2024
Episode Summary:
In this episode, Ben Jackson sits down with Brian Tate, CEO, Innovative Payments Association, to discuss several lawsuits against the Consumer Financial Protection Bureau’s rules.They cover lawsuits against the Consumer Financial Protection Bureau by PayPal over the Prepaid Accounts Rule, by the Financial Technology Associations Lawsuit over buy now pay later, and by the Bank policy Institute over the open banking rule.
They also discuss how the Congressional Review Act could shape the future of these suits.
This podcast was recorded on November 14, 29024, things may have changed by the time you hear it.
Membership Information:
Not a member yet? Discover the benefits of joining the IPA, including access to exclusive events and resources. Visit IPA.org for more details. -
In this episode, Brian Tate, the IPA’s CEO, and Ben Jackson, the COO, discuss Burn Book, by Kara Swisher. They cover what the book tells us about the history of the Internet and how technology has shaped our lives. They also discuss whether there are any lessons for the industry and society as we enter a new technological age with the growth of artificial intelligence.
This podcast was recorded October 17, 2024. Things may have changed by the time you hear it.
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In this episode. episode, Brian Tate, CEO of the IPA, discusses the latest regulatory proposals from the FDIC, the Consumer Financial Protection Bureau, and the Federal Reserve
He considers how they might change the relationships between fintechs and issuing banks, and how they might change the operations of both kinds of companies. This episode was recorded on September 23, 2024, so keep in mind that things may have changed by the time you hear it.
Important Update: Since the recording of this podcast, the IPA has learned that the SHIELD Act – the bill mentioned in the show pertaining to political donations – has been pulled from the schedule.
For IPA Members: Did you know the Association recently published a compliance guide to help fintechs, banks, and other companies ensure their compliance programs are up to date? You can find it in the members-only section of our website.
Not a Member Yet? Learn more about the benefits of IPA membership at IPA.org.
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In this episode, Dr. Angela Murphy, vice president of marketing and solution at Pidgin, discusses the revenue opportunities that instant payments offer financial institutions. She also discusses why banks and credit unions need to develop a payments strategy that reaches across their organizations.
You can find the white paper discussed in the show here: Whitepages (pidgin.net). You can find her YouTube channel here: Payments Elsa Intro (youtube.com) and her Instagram page here: https://www.instagram.com/paymentselsa/ .
This podcast was recorded on August 30, 2024. Things may have changed by the time you hear it.
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Apparently, regulators don’t take summer vacations. While August is normally quiet in Washington DC, a slew of proposals have come out that could affect everything about the way the fintechs do business.
In the past month, proposed rules on brokered deposits and earned wage access products could change the way many fintechs do business. In addition, a request for information by the Federal Reserve may foreshadow bigger changes ahead for industry players across the fintech value chain.
In the latest episode of the IPA Payments Pod, Brian Tate, the IPA’s CEO, and Ben Jackson, the COO discuss the various regulatory proposals that have come out in the past month and what they might mean for the industry.
This podcast was recorded on August 26, 2024. Things may have changed by the time you hear it.
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Workers may have a harder time getting access to money when they need it, if a new interpretive rule from the Consumer Financial Protection Bureau goes into effect.
The Bureau released an interpretive rule on Thursday that classifies all earned wage access products as credit and therefore subject to certain disclosures and underwriting rules.
I’m Ben Jackson and in this episode, I talk with Brian Tate, the IPA’s CEO, about what the proposed rule and what it might mean for the industry and workers.
This podcast was recorded on July 18, 2024. Things may have changed by the time you hear it.
You can find the text of the interpretive rule here: Consumer Credit Offered to Borrowers in Advance of Expected Receipt of Compensation for Work | Consumer Financial Protection Bureau (consumerfinance.gov)
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The second half of 2024 promises to be a wild ride with court cases, bankruptcies, and potential policy changes likely to have wide ranging effects on the industry.
In this episode, Brian Tate, the IPA’s CEO, and Ben Jackson, the IPA’s COO, talk about what has happened so far in 2024 and what is coming up in the second half of the year that will affect the payments industry.
They discuss the Synapse bankruptcy, the Supreme Court’s Chevron decision, the Congressional Review Act, the election, and how all of these things will affect the payments industry.
You can find the IPA’s Blog on the Congressional Review Act at: Blog | Innovative Payments Association - Innovative Payments Association (ipa.org).
This podcast was recorded on July 3, 2024. Things may have changed by the time you hear it.
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In this episode Brian Tate, the IPA’s CEO, the emcees from the 2024 Innovative Payment Conference, Tim Sloane and Lorain Debonis, discuss the recent conference and how the presentations there relate to developments in the payments industry.
We talk about artificial intelligence, embedded finance, banking as a service, and how the industry can prepare for what’s next.
This podcast was recorded on June 17, 2024. Things may have changed by the time you hear it.
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In this episode Brian Tate, the IPA’s CEO, discusses recent developments with the regulatory agencies and why that could lead to a flurry of activity through the rest of the year.
We talk about personnel changes at the regulatory agencies, the long ranging effects of the Supreme Court’s CFPB Decision, and how the industry can prepare for what’s next.
This podcast was recorded on June 13, 2024. Things may have changed by the time you hear it.
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In this episode Brian Tate, the IPA’s CEO, Eli Rosenberg of Baird Holm, and Brian Axel, the managing partner of Axel Law discuss the Supreme Court’s Decision in Consumer Financial Protection Bureau vs. Community Financial Services Association of America. They cover what it means for the future of the Bureau and for regulatory lawsuits.
This podcast was recorded on May 17, 2024. Things may have changed by the time you hear it.
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In this episode Ben Jackson, the IPA’s COO, discusses the future of fintech and payments with some of the people who will make it happen. He is joined by Scott Thompson and Garam Mansour, two current students with a strong interest in Fintech, and Laura Gibson, the executive director of the Georgia fintech Academy. They talk about how college students think about payments, the future of Fintech, and why financial literacy is so important for fintech founders as well as fintech users.
This podcast was recorded on April 26, 2024. Things may have changed by the time you hear it.
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In this episode John Lowe, CPI Card Group Inc.’s new president and CEO, discusses the future of the company and the future of the way people pay. We talk about the importance of physical payments cards for fintechs and banks, the role of digital cards for a card manufacturer, and CPI’s approach to integrating both.
This podcast was recorded on April 9, 2024. Things may have changed by the time you hear it.
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