OpenLaws founder and CEO John Phamvan joins RegFi co-hosts Jerry Buckley and Sherry Safchuk to examine how OpenLaws is building comprehensive, reliable, and continuously updated access to statutes, regulations, and other legal materials across federal and state jurisdictions. They discuss the challenges of sourcing and standardizing legal data at scale, the role of OpenLaws' API and emerging products in supporting legal, compliance, and public policy workflows, and the growing importance of high-quality legal data in AI-driven environments. The conversation also explores OpenLaws' public benefit mission, its plans to expand into legislative and administrative materials, and the broader implications for access to law and regulatory compliance in a rapidly evolving digital landscape.

Links:

• OpenLaws Public Benefit Corporation
• Orrick Financial & Fintech Advisory Practice
• RegFiPodcast.com

Arthur Wilmar joins RegFi co-hosts Jerry Buckley and Sasha Leonhardt to examine the emerging role of tokenized deposits. They discuss recent developments that provide a regulatory pathway for tokenizing deposits and the broader environment for banks entering the space. The conversation compares the functions and regulation of cryptocurrencies, stablecoins and tokenized deposits, including the use of public versus permissioned blockchains. The episode also explores the potential use of tokenized deposits as an inflation hedge in countries where inflation is high.

Links:

• Orrick Financial & Fintech Advisory Practice
• RegFiPodcast.com

Fincast founder Benjamin Schieken joins RegFi co-hosts Jerry Buckley and Sherry Safchuk to discuss how AI-enabled technology can transform the mortgage shopping process by enabling consumers to compare loan options more effectively and introducing greater competition among lenders. This evolving digital approach considers not only APR, but also total transaction costs and the likely duration of the loan for an individual borrower, helping to clarify the true economics of mortgage decisions and potentially saving consumers thousands of dollars. The conversation also looks to the future, where agentic AI could empower consumers to make more informed and automated financial decisions across a range of products and services.

Links:

• Fincast
• Orrick Financial & Fintech Advisory Practice
• RegFiPodcast.com

In this episode, RegFi co-hosts Jerry Buckley and Sherry Safchuk are joined by Matt Van Buskirk, Hummingbird Regtech Co-Founder and CEO, Regulatory, to examine how AI is transforming anti-money laundering and fraud detection. They discuss how AI-driven tools are shifting compliance from manual data gathering to higher-value investigative work, the growing role of blockchain data in identifying illicit activity, and why "compliance by design" may redefine the role of the chief compliance officer. The conversation also explores the urgent need for regulatory modernization as global fraud and scam activity accelerates.

Links:

• Hummingbird Regtech
• Orrick Financial & Fintech Advisory Practice
• RegFiPodcast.com

AEI's Paul Kupiec joins RegFi co-hosts Jerry Buckley and Sasha Leonhardt to analyze the potential impact of a proposed 10% cap on credit card balances. Kupiec, a highly respected commentator on financial markets, delves deeply into the economics of the credit card business and assesses what could change if such a cap were implemented. He also shares insights on the challenges facing the Federal Reserve as economic uncertainty and inflationary pressures mount.

Links:

• "Should Credit Card Interest Rates Be Capped at 10 Percent?" (AEI Report)
• American Enterprise Institute (AEI)
• Orrick Financial & Fintech Advisory
• RegFiPodcast.com

In this RegFi episode co-hosts Jerry Buckley and Caroline Stapleton examine the evolving policy landscape governing AI in financial services. They discuss the federal government's push to avoid a patchwork of state AI laws and the extent to which existing consumer protection laws—such as ECOA, FCRA and UDAAP—can address AI-driven risks without new legislation. The conversation also highlights Treasury's newly released Financial Services AI Risk Management Framework and how public-private collaboration and nonbinding standards may shape AI governance as adoption accelerates across the industry.

Links:

• Financial Services AI Risk Management Framework
• Orrick AI Law Center
• Orrick Financial & Fintech Advisory
• RegFiPodcast.com

Representative Bill Huizenga's draft bill to modernize the Gramm-Leach-Bliley Act could mark the most significant overhaul of U.S. financial privacy regulation in more than two decades.

In this episode of RegFi, co-hosts Jerry Buckley and Sherry Safchuk examine how the proposal would reshape the federal-state balance through broad preemption, introduce new data minimization standards, and expand consumer rights around access and deletion. They also explore the bill's treatment of financial data aggregators, evolving expectations for AI disclosures, and the operational challenges institutions may face.

Links:

• House Financial Services Committee Discussion Draft
• Orrick Financial & Fintech Advisory
• RegFiPodcast.com

Kelvin Chen, Senior Executive Vice President and Head of Policy at the Consumer Bankers Association, joins RegFi co-hosts Jerry Buckley and Caroline Stapleton to discuss CBA's recent white paper on agentic AI and its implications for consumer payments and financial regulation. The conversation focuses on how existing frameworks like the Electronic Fund Transfer Act and Regulation E apply in an AI-enabled environment, where gaps may emerge around authorization and liability, and how the broader $18.8 trillion consumer finance industry could approach integrating existing consumer protections into an agentic AI environment.

Links:

• Consumer Bankers Association
• Agentic AI Payments: Navigating Consumer Protection, Innovation, and Regulatory Frameworks (Whitepaper)
• Orrick Financial & Fintech Advisory
• RegFiPodcast.com

Orrick's Nathaniel Reisenburg joins RegFi co-hosts Jerry Buckley and Caroline Stapleton to discuss the newly proposed regulatory framework for payment stablecoins released by the Office of the Comptroller of the Currency pursuant to the GENIUS Act. The conversation examines the proposal's requirements for reserves, redemption rights, capital and supervision, as well as the Act's prohibition on issuer-paid interest or yield. The episode also explores the policy goals behind stablecoin regulation and what current and prospective issuers should be doing now as the rulemaking process moves forward.

Links:

• OCC Notice of Proposed Rulemaking | GENIUS Act Regulations
• OCC Proposes Rule to Implement the GENIUS Act (Orrick Insight)
• RegFi Episode 75: GENIUS Act Implications for Banks and Stablecoin Issuers
• RegFi Episode 71: GENIUS Act: Establishing a Federal Regulatory Framework for Stablecoins
• RegFi Episode 67: Stablecoins: The GENIUS Act Explained
• Orrick Blockchain & Digital Assets
• Orrick Financial & Fintech Advisory
• RegFiPodcast.com

Lucas Moskowitz, Senior Vice President, General Counsel and Corporate Secretary at Robinhood Markets, Inc., joins RegFi co-hosts Jerry Buckley and Sasha Leonhardt to discuss innovations in financial regulation that Robinhood is pioneering and advocating. The conversation explores the rapid expansion of prediction markets, modifying "accredited investor" requirements to include more retail investors, expanding access to private markets for retail investors, tokenization of securities, as well as the rationale for the Clarity Act and its prospects for passage.

Links:

• Robinhood Markets
• RegFi Episode 89: Event-Based Derivatives and the Future of Prediction Markets
• Orrick Financial & Fintech Advisory
• RegFiPodcast.com