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Our episode this week revolves around the current state of the buy now, pay later industry. The conversation features Alan Kaplinsky, Senior Counsel at Ballard Spahr, Lisa Lanham, Partner at Ballard Spahr, and John Zanzarella, SVP at PerformLine. In addition to discussing where this industry stands today, they also discuss the possible future of this industry over the next few years given the current headwinds it faces - which include a decrease in consumer spending, rising inflation and existing loan quality and cost of funding becoming constrained as interest rates continue to rise.Show Notes:The Buy Now, Pay Later Compliance Checklist: https://bit.ly/3EWze5eTop 5 Buy Now, Pay Later Compliance Issues Across Merchant Sites: https://bit.ly/3B40P37The Buy Now Pay Later International Regulation Map: https://bit.ly/3VncMZS
We’re super excited for this week’s podcast with Paul Wilmore. Paul spent 19 years at Barclays in US Consumer Business in a number of roles, last of which was Chief Marketing Officer. From there Paul become the CMO at Cardtronics, the world's largest ATM operator, and is now the Chief Operations Officer here at PerformLine.During today’s episode Paul and I discuss: The evolution of the fintech, partner bank, and banking as a service (BaaS) ecosystemThe opportunities and challenges of these new partnershipsThe importance of collaboration between these parties as it pertains to complianceShow notes: The Compliance Checklist for Bank-Fintech Partnerships and BaaS Providers: https://bit.ly/3tFhXrR[Blog] Evolution of Compliance for Bank, Fintech, and BaaS Partnerships: https://bit.ly/3hPZm9Y[Blog] Managing Compliance Risk for BaaS and Bank-Fintech Partnerships: https://bit.ly/3TIsFIV
We’re super excited for this week’s podcast with Rhonda McGill. You may know Rhonda as our SVP of Client Solutions here at PerformLine, but what you may not know is that she is also our resident compliance fortune teller.  During today’s episode, Rhonda and I walk through the compliance predictions she made for 2022, where things landed in the world of regulation, and her predictions for what we can expect to see in 2023.Show Notes:Q4 Mortgage Industry Roundtable | November 9th, 1:00 PM ET2022 CFPB Complaint Risk Signal ReportBlog: CFPB Director Rohit Chopra: A Year in Review
Today's podcast is part two of a discussion between experts at PerformLine as they continue to talk through the top marketing compliance issues thus far in 2022 which we’ve uncovered using the PeformLine platform. Topics include:The multiple compliance concerns with using language like "fast approval" or "instant approval" on marketing materialsAvoiding black-box models for decision-making and preventing ECOA compliance issuesAnd best practices for compliance monitoring and consumer protection across marketing channels and partnersShow Notes:Download the Top Marketing Compliance Issues Report here: https://bit.ly/3y3ETE3Watch the full webinar here: https://bit.ly/3xFGfEF
Today's podcast is part one of a discussion between experts at PerformLine as they take a deep dive into the top marketing compliance issues thus far in 2022. Topics include:How we uncovered these findings using PerformLine’s proprietary Rulebooks and technologyThe all-too-common issue of third parties deceiving consumers through brand infringement (and these instances going unnoticed by the brand they're infringing upon)The importance of substantiation when using subjecting language in marketing materials to protect both consumers and your organizationShow Notes:Download the Top Marketing Compliance Issues Report here: https://bit.ly/3y3ETE3Watch the full webinar here: https://bit.ly/3xFGfEFFollow Rhonda: https://www.linkedin.com/in/rhonda-mcgill/Follow Gianna: https://www.linkedin.com/in/gianna-barrere/
Today’s podcast features Sandy Brown, Assistant Director, Bureau of Consumer Protection's Division of Financial Practices at the Federal Trade Commission.  This excerpt from Sandy reviews a broad range of consumer protection issues organizations are facing today and shares what's on the FTC's radar in her role supervising enforcement and policy work.
Today’s episode is part two of a the conversation had between John Zanzarella, VP of Sales here at PerformLine and Gary Stein, US Chief Product & Compliance Officer at Opy.  Gary previously led policy-making efforts and a team of subject matter experts for the CFPB - covering consumer deposits, emerging and legacy payment systems, consumer-authorized data sharing/aggregation, small-dollar, and other consumer lending products. John and Gary’s discussion revolves around key topics such as:When it comes to protecting the consumer - what do you think the future holds in terms of regulation in this space?What can buy now, pay later firms do today to get ahead of this regulation to come?Gary’s process for handling merchant monitoring and his advice for others in the space to ensure merchants’ behavior aligns with company brand parameters.The difference in US regulations of BNPL firms versus those authorities abroad.Some of the separators for those buy now, pay later companies who will continue to grow and evolve and those who will not. 
On today’s episode we hear from John Zanzarella, VP of Sales here at PerformLine as he chats with Gary Stein, US Chief Product & Compliance Officer at Opy. Prior to joining Opy, Gary previously led policy-making efforts and a team of subject matter experts for the CFPB - covering consumer deposits, emerging and legacy payment systems, consumer-authorized data sharing/aggregation, small-dollar, and other consumer lending products.Their discussion today revolves around key topics such as:Gary’s experience as a former regulator moving into the private sector, and what specifically caught his attention about OpyHis initiatives when joining Opy from a compliance standpoint, having the history of coming from the BureauThe difference between being proactive versus reactive when it comes to leading with complianceAnd thoughts on where the industry lies today and the dichotomy in growth we’re seeing between various BNPL firms.
 Today’s podcast is part two of a discussion had between Rhonda McGill, Sr. Director of Client Solutions at PerformLine and Tony Alexis, Partner at Goodwin Law and former Assistant Director and Head of the Office of Enforcement at the CFPB, where he developed and managed the CFPB’s enforcement strategy, consumer financial investigations and litigation. On today’s show Rhonda and Tony continue their discussion of UDAAP Compliance Under CFPB Director Chopra, specifically:The CFPB's updated procedural rules that provide them with the authority to carry out enforcement actions in-houseExpectations on the States' enforcement of UDAAPThe role of a strong Compliance Management System (CMS) in UDAAP compliance
Today’s podcast is a discussion between Rhonda McGill, Sr. Director of Client Solutions at PerformLine and Tony Alexis, Partner at Goodwin Law and former Assistant Director and Head of the Office of Enforcement at the CFPB, where he developed and managed the CFPB’s enforcement strategy, consumer financial investigations and litigation. During today’s podcast they discuss UDAAP compliance under CFPB Director Chopra, specifically:The recision of the CFPB's guidance on Abusiveness Standard in 2020 and how it impacts organizations todayThe recent update to the UDAAP examination manual to include discrimination under "unfair"The recent notable UDAAP enforcement actionsAnd the CFPB's crackdown on repeat offenders and how that ties into UDAAP
Today’s podcast is discussion had between John Zanzarella, VP of Sales here at PerformLine and Eamonn Moran, Of Counsel at Morgan, Lewis & Bockius LLP.  Their conversation revolves around the implications of the CFPB's recent probe into five major BNPL providers - which was announced last December and was due on March 1st of this year - over concerns about risks to consumers associated with accumulating debt, regulatory arbitrage, credit reporting, and data harvesting. As well as what compliance or legal teams at buy now, pay later companies can proactively put in place today to adhere to existing regulations for consumer finance products including UDAAP and TILA.
Today’s podcast is part two of the conversation had between Rhonda McGill, Senior Director of Client Solutions here at PerformLine and John Henson, now general counsel and previously head of legal and compliance at consumeraffairs.com. Their discussion revolves around various topics around marketing compliance across industries that we see under the microscope of growing regulatory scrutiny.Topics that John and Rhonda discuss this week include expectations for 2022 as it pertains to Fair Lending, UDAAP, data privacy and protection - both from the regulators' perspective and third party partners, and things for all compliance professionals to keep in mind as we continue into a year of enforcement and oversight.
Today’s podcast is part one of a conversation had between Rhonda McGill, Senior Director of Client Solutions here at PerformLine and John Henson, now General Counsel and previously Head of Legal and Compliance at consumeraffairs.com. Their conversation is on various topics around marketing compliance across industries that we see under the microscope of growing regulatory scrutiny. 
This week we sat down with Rhonda McGill, Senior Director of Client Solutions at PerformLine, as we discussed how organizations can take a proactive approach to fair lending compliance instead of a reactive one.
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