Live from the main stage at American Banker’s Digital Banking 2025, this high-energy episode of Breaking Banks brings the regulatory heat. Host Jason Henrichs is joined by Alex Johnson (Fintech Takes) and Dara Tarkowski (Actuate Law) for unfiltered, rapid-fire takes on the most urgent—and divisive—issues shaping digital finance regulation today.

In a fintech twist on the classic ‘90s game FMK, the trio tackles which regulatory bodies to “love, leave, or reform”—from the CFPB and OCC to the NCUA and beyond. No topic is off-limits as they debate the shifting landscape around Section 1033, Open Banking implementation, UDAP enforcement, and the growing tensions between innovation and compliance.

Plus: what do the STABLE Act, the GENIUS Act, and Stablecoin policy have in common? They all point to a regulatory future that’s as complex as it is critical to get right.

This episode is not for the faint of heart, but essential listening for anyone working at the intersection of fintech, policy, and consumer protection.