This week on CFTC Talks, we speak with fintech innovation expert Jo Ann Barefoot from Barefoot Innovation and co-founder of Hummingbird Fintech. Ms. Barefoot has been a regulator, a Senate staffer, and industry consultant and a volunteer in the financial regulatory and consumer movement space. We discuss why she believes we've been doing it all wrong and what are the best practices for these areas: fintech, regtech and innovation.