Consumer financial protection policy continues to raise challenging questions at the intersection of consumer credit and payment systems, emerging technologies, other areas of law, and larger issues regarding the stability and efficiency of the banking system. The Sixth Annual Public Policy Institute on Financial Services Regulation will examine a number of issues including the Consumer Financial Protection Bureau’s regulation of payday loans and other small-dollar lending, Bitcoin and other block chain technologies regulatory and technological issues, the overlap of consumer payments and the First Amendment (including challenges to state no-surcharge rules on payment cards), and payment security (such as Apple Pay and the “liability shift” rules for payment cards). The program will also feature lectures on the political background to Dodd-Frank and the history of banking.
Opening Keynote
Speakers:
Todd J. Zywicki, Executive Director & George Mason University Foundation Professor of Law, Law & Economics Center
Phillip Wallach, Senior Fellow in Governance Studies, The Brookings Institution
Developments in Payment Security: Liability Shift, Chip & PIN, and Innovation
Panelists:
Mallory Duncan, Senior Vice President and General Counsel, National Retail Federation
Rob McKenna, Partner, Public Policy, Orrick
Scott Talbott, Senior Vice President of Government Affairs, Electronic Transactions Association
Mike Urban, Senior Adviser, Javelin Strategy & Research
Moderator:
The Honorable Lawrence Wasden, Attorney General of Idaho
CFPB Small Dollar Lending Rule: Update
Panelists:
Arthur P. Baines, Vice President, Charles River Associates
Howard Beales, Professor of Strategic Management of Public Policy, George Washington University
Alex Horowitz, Officer, The Pew Charitable Trusts
Hillary B. Miller, Chairman of the Board, Consumer Credit Research Foundation
Moderator:
The Honorable Greg Zoeller, Attorney General of Indiana
The Next Financial Crisis: Keynote Address by Congressman French Hill
Panelists:
The Honorable French Hill, US Representative, Second District of Arkansas
Wayne Abernathy, Executive Vice President, American Bankers Association
Frank Medina, Senior Counsel & Director of Research, Better Markets
J.W. Verret, Associate Professor of Law, George Mason University School of Law
Moderator:
Todd J. Zywicki
A Conversation About Blockchain Payment Technology
Panelists:
Jerry Brito, Executive Director, Coin Center
Adam Ludwin, Co-Founder & CEO, Chain
Megan McArdle, Bloomberg View Columnist, Bloomberg
Dana V. Syracuse, Counsel, BuckleySandler LLP
Moderator:
Joe Adler, Deputy Washington Bureau Chief, American Banker
First Amendment Payments Issues: No Surcharge Rules and Content Discrimination
Speakers:
Deepak Gupta, Founding Principal, Gupta Wessler PLLC
Lance Noggle, Senior Director, Advocacy & Counsel, Regulatory Affairs, Credit Union National Association
Megan McArdle, Bloomberg View Columnist, Bloomberg
Ilya Shapiro, Senior Fellow in Constitutional Studies and Editor-in-Chief, Cato Supreme Court Review, Cato Institute
Recent Research on the Economics of Consumer Credit and Its Regulation
Panelists:
Thomas A. Durkin, Senior Economist (retired), The Federal Reserve Board
Gregory Elliehausen, Principal Economist, Board of Governors of the Federal Reserve System
Robert Greene, Research Associate, Mossavar-Rahmani Center for Business and Government, John F. Kennedy School of Government, Havard University
Thomas W. Miller, Jr., Professor of Finance and Jack R. Lee Chair of Financial Institutions and Consumer Finance, Mississippi State University College of Business
Moderator:
The Honorable Sam Olens, Attorney General of Georgia
Taming the Two 800 Pound Gorillas in the Room
Lecturer:
Charles W. Calomiris, Henry Kaufman Professor of Financial Institutions, Columbia Business School and Author, Fragile By Desing: The Political Origins of Banking Crises and Scarce Credit
Reflections on 100th Anniversary of the Uniform Small Loans Law
Panelists:
Thomas A. Durkin
Jim Hill, President & CEO, First Heritage Credit
Bill Himpler, Executive Vice President, American Financial Services Association
Thoms W. Miller, Jr.
For more information, e-mail:
AGEP@gmu.edu