In this compelling episode, John Byrne welcomes banking law expert and author Tom Vartanian for his third appearance to discuss the evolving threats and challenges in financial technology, cybersecurity, and cryptocurrency regulation. Vartanian offers a sobering look at online scams, the fragility of the Internet, and the role of financial institutions in consumer protection. The conversation also dives into the GENIUS Act, stablecoins, and the future of regulatory frameworks. It is a must-listen for professionals navigating the intersection of finance, tech, and policy.