Orrick partner Shannon Yavorsky — head of the firm's Global Cyber, Privacy & Data Innovation group and co-lead of the AI practice — joins RegFi co-hosts Jerry Buckley and Sherry Safchuk to unpack newly approved California Consumer Privacy Act regulations. The conversation offers insights into the definitions and requirements for automated decision-making technology (ADMT), risk assessments, and cybersecurity audits, as well as open questions surrounding GLBA data carve-outs for financial services, and the reasons behind California's shift from defining "AI" to regulating ADMT use cases.

Links:

• Orrick AI Law Center
• Orrick Cyber, Privacy & Data Innovation
• Orrick Financial & Fintech Advisory
• RegFiPodcast.com

The Mortgage Bankers Association's Justin Wiseman, George Rogers and Rachel Kelley join RegFi co-hosts Jerry Buckley and Sasha Leonhardt to discuss the Homebuyers Privacy Protection Act (HPPA) — a targeted FCRA amendment aimed at curbing "trigger leads" generated from mortgage credit inquiries. The conversation explores the bipartisan legislation's origin and path through Congress, how targeted exemptions balance consumer protection and competition, and what lenders, servicers, consumer reporting agencies and resellers can do to prepare ahead of the March 4, 2026, effective date.

Links:

• Mortgage Bankers Association
• Orrick Financial & Fintech Advisory
• RegFiPodcast.com

Fraud and scams are costing Americans an estimated $400 million every day, threatening household financial security and fueling transnational crime. Kate Griffin and Nick Bourke join RegFi co-hosts Jerry Buckley and Sherry Safchuk to discuss the work of the Aspen Institute's National Task Force on Fraud and Scam Prevention. The conversation examines the scale and sophistication of today's scams, the whole-of-ecosystem approach needed to disrupt them and the Task Force's forthcoming recommendations for government, financial institutions, tech platforms and consumers.

Links:

• Aspen Institute
• National Task Force on Fraud and Scam Prevention
• United Against Fraud: How America Will Defeat Scams (Virtual Event, Oct. 1, 2025)
• Orrick Financial & Fintech Advisory
• RegFiPodcast.com

Mona Elliot and Sam Canavos of Patomak Global Partners join RegFi co-hosts Jerry Buckley and Sherry Safchuk to discuss the newly enacted GENIUS Act, its goals and implications for the stablecoin market. The conversation explores how regulations implementing the Act will evolve, including federal and state chartering authority, reserve and compliance requirements, and potential use cases that will shape the next phase of the stablecoin market.

Links:

• Patomak Global Partners
• Orrick Financial & Fintech Advisory
• RegFiPodcast.com

Gabriel Acosta and Liz Facemire from the Mortgage Bankers Association join RegFi co-hosts Jerry Buckley and Sherry Safchuk to discuss how artificial intelligence — both long-standing automated underwriting tools and emerging generative AI applications — is shaping the mortgage banking industry. The conversation explores the human-in-the-loop nature of mortgage origination, the role of federal laws like the Fair Credit Reporting Act and Equal Credit Opportunity Act in ensuring explainability, and how state-level AI legislation is influencing industry compliance strategies.

Links:

• Mortgage Bankers Association
• Orrick AI Law Center
• Orrick Financial & Fintech Advisory
• RegFiPodcast.com

In our continuing coverage of the EU Artificial Intelligence Act, co-hosts Jerry Buckley and Caroline Stapleton are joined by Orrick partners Shannon Yavorsky and Julia Apostle. The conversation explores how companies can navigate emerging AI compliance requirements in both the European Union and the United States, including assessing risk, mapping AI systems and developing scalable governance frameworks. Since recording this episode, implementation of the EU AI Act has proceeded apace, with the EU Commission releasing its final guidance for developers of general-purpose AI models (GPAIM) and the Code of Practice undergoing its final approval process before the GPAIM obligations take effect on August 2.

Links:

• EU guidelines for providers of general-purpose AI models
• EU General-Purpose AI (GPAI) Code of Practice
• Orrick AI Law Center
• Orrick Cyber, Privacy & Data Innovation
• Orrick Financial & Fintech Advisory
• RegFiPodcast.com

Christian Schröder, leader of Orrick's European Cyber, Privacy & Data Innovation practice, joins RegFi co-hosts Jerry Buckley and Caroline Stapleton to break down the EU Artificial Intelligence Act. The conversation explores the act's global reach, regulatory framework and what companies can do to prepare as some provisions become effective on Aug. 2, 2025.

Links:

• Orrick AI Law Center
• Orrick Cyber, Privacy & Data Innovation
• Orrick Financial & Fintech Advisory
• RegFiPodcast.com

FS Vector's Jackson Mueller sits down with RegFi co-hosts Jerry Buckley and Sasha Leonhardt to discuss the recently Senate-passed GENIUS Act. They explore the regulatory requirements that would be established under the legislation, the potential impact on domestic and international payments system providers, and the implications for the U.S. dollar and the market for U.S. Treasury obligations. The group also discusses the political momentum driving this legislation and prospects that the Senate-passed bill will align with the STABLE Act pending in the House and be sent to the president for signature.

Links:

• FS Vector
• GENIUS Act ReCap
• STABLE Act ReCap
• Orrick Financial & Fintech Advisory
• RegFiPodcast.com

RegFi co-hosts Jerry Buckley and Sasha Leonhardt are joined by Orrick partner Ellen Ehrenpreis, head of the firm's US Venture and Bay Area Technology Companies practice. Ellen shares insights on best practices for fintech startups engaging with investors, navigating regulatory complexity, and structuring companies for long-term success. The conversation also explores the growing interplay between Silicon Valley and Washington, D.C., as fintechs and their investors become increasingly engaged in public policy discussions surrounding crypto, AI, and financial innovation.

Links:

• Orrick Tech Studio
• Orrick Technology Companies Group
• Orrick Financial & Fintech Advisory
• RegFiPodcast.com

RegFi co-hosts Jerry Buckley and Sasha Leonhardt welcome Orrick colleague James Wigginton and John Paller, Founder of Opolis and EthDenver, to explore how blockchain technology can be used to enable decentralized autonomous organizations (DAOs) to transform corporate ownership and governance using a limited cooperative legal format. Discussed are the benefits of DAO memberships and meetings with the SEC Crypto Task Force aimed at securing a Safe Harbor rulemaking for DAOs offered in a limited cooperative or similar legal structure.

Links:

• Opolis
• ETHDenver
• Orrick Financial & Fintech Advisory
• RegFiPodcast.com