IPA Payments Pod

In this episode Kate Lybarger, the director and head of Payments Innovation at Discover Global Network, discusses why the financial services industry has not hacked financial wellness yet.

We cover what financial wellness means, the role of AI, and why it might make sense to separate advice from products.

This podcast was recorded on March 24th, 2025. Things may have changed by the time you hear it.

To keep up with the rapidly changing payments environment, register for the Innovative Payments Conference in Washington DC from April 29 through May 1.

You will learn about:

• the future of banking as a service,

• the unwinding of the Synapse bankruptcy with former FDIC chair Yelena McWilliams,

• the future of regulation with the acting comptroller of the currency, Rodney Hood, and

• a presentation on scams from the Better Business Bureau.

Listeners can get $25 off the price of registration when they use the code Podcast. Learn more and register at: Innovative Payments Conference.

In this episode, Ben Jackon and Brian Tate, the IPA's CEO, discuss the patterns beginning to emerge in the new administration's approach to financial regulation.

They talk about how Congress is offering its suggestions on regulations to the agencies, the possibilities for future legislation, and why now might be the perfect time to open up some old rules for revision.

This podcast was recorded on April 10, 2025. Things may have changed by the time you hear it.

If you want to keep up with the rapidly changing payments environment, make sure that you register for the Innovative Payments Conference in Washington DC from April 29 through May 1.

We will look at the future of regulation from both the federal and state perspectives as we hear from Acting Comptroller of the Currency Rodney Hood and Avy Mallick, the General Counsel of the California Department of Financial Protection & Innovation. We will also have sessions on fraud prevention, bank fintech relationships, and a special session on leadership in chaotic times with Pulitzer Prize winning author Jonathan Eig, author of King: A Life, and Ali: A Life, among others.

Podcast listeners can get $25 off the price of registration when they use the code "Podcast" when they register here: Innovative Payments Conference.

With Washington buzzing amid political intrigue and economic turbulence, it's easy for critical developments in the payments industry to slip under the radar. Join host Ben Jackson and IPA's CEO, Brian Tate, as they explore the most pressing issues affecting payments today.

This episode covers the withdrawal of the brokered deposits rule, the latest nominees to head the regulatory agencies, and the Congressional Review Act resolutions moving through Congress.

This episode was recorded on March 20, 2025. Note that things may have changed since then.

To learn more about everything happening in the payments industry register for the Innovative Payments Conference (April 29–May 1, Washington, D.C.). Use the code "Podcast" for $25 off!

If you are not currently a member, make sure to visit our website, IPA.org, to learn more about the benefits of membership.

Even the Ancient Greeks had to navigate business regulations, and the roots of such ideas are discussed in one of philosophy's greatest works—Plato's Republic. Join host Ben Jackson and IPA CEO Brian Tate, as they delve into this classic text and its relevance today. In this episode, the team explores:

• How The Republic can provide foundational ground rules for business conversations.

• The limits of philosophy in the practical world.

• Whether Plato's allegory of the cave holds insights into modern innovation and management.

This is the first installment in our 2025 Book Club series. Our next book will be The Alignment Problem by Brian Christian, where we dive into the ethical and practical challenges of artificial intelligence.

Special Offer for Podcast Listeners: Make sure to attend the Innovative Payments Conference in Washington, D.C., from April 29–May 1, 2025, to hear from top legislators, regulators, and industry experts. Use the promo code Podcast at checkout to get $25 off your registration fee.

Recorded on March 6, 2025, this episode remains a timeless conversation about enduring ideas that continue to shape our understanding of innovation, ethics, and enterprise.

Links and Contact Info:

• Read along and join the book club! Email Ben at [email protected].

• Conference details: Innovative Payments Conference

When you think of ways to relieve stress, gift cards probably don't top your list. But new research from Blackhawk Network suggests they might be the unsung heroes of holiday stress management. In this episode, Ben Jackson chats with Sarah Kositzke, Senior Global Insights Manager at Blackhawk, about the company's 2024 holiday spending study.

Join us as we discuss:

• The continued growth in gift card spending.

• How consumers are turning to AI for their shopping needs.

• The surprising role gift cards play in reducing stress before, during, and after the holiday season.

This episode was recorded on February 28, 2025—so some details may have changed by the time you listen.

Resources:

• Get the Post-Holiday 2024 Research Infographic Now! | BHN

Upcoming Event: Don't miss the Innovative Payments Conference in Washington, DC, from April 29 – May 1! Learn from legislators, regulators, and industry experts about the forces shaping the payments landscape. Podcast listeners get $25 off registration with code Podcast (make sure to capitalize the first letter).

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.

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.

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, 2024

Episode 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.