Best Fred E Cadena Podcasts (2025)

1
Senate Lawmakers Reject CFPB Overdraft Fee Cap, Robinhood Launches Banking Services, & Automotive Repossessions Surge 4:52

2M ago4:52

4:52

Senate lawmakers have recently rejected a critical rule proposed by the Consumer Financial Protection Bureau (CFPB) that sought to impose a cap on overdraft fees, maintaining the current average fee of $35 per transaction. This legislative decision has significant implications for financial inclusivity, particularly affecting lower-income individua…

1
Robinhood Launches Wealth Management Services, Affirm's CEO Positions Company as the "American Express" of Buy Now, Pay Later, and CFPB Grilled on Capitol Hill 4:57

2M ago4:57

4:57

Robinhood has unveiled its new wealth management services, a pivotal development that underscores the increasing demand for professional financial guidance among retail traders. Concurrently, Affirm's CEO has articulated a vision for the company to emerge as the "American Express" of the Buy Now, Pay Later sector, emphasizing structured repayment o…

1
JPMorgan Chase Partners With Walmart on Embedded Finance Solutions, Treasury Department Prepares to Streamline Banking Regulators Under its Control, & Chime Launches $500 Instant Loans Targeting the Underbanked ... 4:30

2M ago4:30

4:30

JPMorgan Chase has entered into a strategic partnership with Walmart to unveil an innovative embedded finance solution designed to facilitate seamless payment processing for merchants operating within Walmart's Marketplace platform. This collaboration is poised to enhance transaction efficiency while enabling sellers to manage their cash flow direc…

1
BNPL Transactions Explode to $175B, the FDIC Warns of Cybersecurity Risks, & the Trump Administration Weighs Capital Requirement Reductions for Smaller Banks 4:59

2M ago4:59

4:59

The burgeoning landscape of financial transactions has witnessed an unprecedented surge in Buy Now Pay Later (BNPL) transactions, which have skyrocketed to a staggering $175 billion. This remarkable growth not only underscores a significant shift in consumer purchasing behavior but also intensifies the competitive dynamic between fintech companies …

1
Critical ChatGPT Vulnerability Targeting Financial Institutions Identified, Strategic Cloud Partnership Announced Between Finastra and IBM, Affirm's Expanded Credit Reporting, & a Data Breach at Western ... 4:16

2M ago4:16

4:16

A critical vulnerability in ChatGPT has been identified, specifically targeting financial institutions, raising significant concerns about the security of sensitive consumer data. This revelation is accompanied by the announcement of a strategic cloud partnership between Finastra and IBM, which aims to enhance cloud-based lending solutions and faci…

1
Fed Chair Powell Navigates Economic Crosswinds, Tariffs Drive Inflation Uncertainty, Fintech Firms Eye Bank Charters, & Community Bankers Challenge Credit Union Tax Exemptions 3:39

2M ago3:39

3:39

Federal Reserve Chair Jerome Powell confronts a complex economic landscape characterized by inflationary pressures stemming from tariffs, which complicate the central bank’s monetary policy decisions. The Fed has opted to maintain its benchmark interest rate, acknowledging the challenges posed by stagnant growth and rising prices, reminiscent of st…

1
Anthropic Pivots Toward Enterprise AI Solutions as Microsoft Envisions Collaborative "Digital Chief of Staff" Future, Acting Comptroller Hood Condemns "Repugnant" Debanking Practices, & Capital One-Discover ... 4:49

2M ago4:49

4:49

Anthropic is making a significant pivot toward enterprise AI solutions, as Microsoft envisions a future where AI acts as a collaborative "Digital Chief of Staff." This episode delves into the implications of these developments, particularly in the context of the Justice Department's concerns regarding the Capital One-Discover merger, which may adve…

1
Trump Nominates Bowman for Fed Vice Chair, Klarna Replaces Affirm at Walmart, Oracle Eyes TikTok takeover, & Highlights From Day One of CBA LIVE 4:58

2M ago4:58

4:58

President Donald Trump has nominated Michelle Bowman as the next vice chair for supervision of the Federal Reserve, a decision that underscores her considerable expertise in inflation regulation and banking. This nomination comes in the wake of Michael Barr's resignation from the position, and if confirmed, Bowman intends to strengthen the banking …

1
Klarna Files for NYSE Listing, Chase Cracks Down on Zelle Fraud, Trump Slashes CDFI Fund, & CBA Live Conference Kicks Off 4:55

2M ago4:55

4:55

Klarna has officially filed for a listing on the New York Stock Exchange, marking a significant step in the fintech landscape. This episode delves into the implications of this IPO, alongside a critical examination of Chase's recent measures to combat fraud on the Zelle platform, wherein the bank has identified a notable correlation between social …

1
Lunar Launches Youth Banking App, Valley National Bank and Achieva Credit Union Make Senior Level Appointments, Wall Street Suffers Downturn as Consumer Debt Concerns Grow, & Major Banks Make Strategic ... 4:55

2M ago4:55

4:55

Lunar has recently launched a pioneering youth banking application designed to cater to children aged 7 to 14 across Denmark, Sweden, and Norway, thereby addressing a significant gap in the market for digital financial literacy. Concurrently, major shifts are occurring within the banking sector, as Valley National Bank and Achieva Credit Union anno…

1
Banks Brace for Regulatory Whiplash as FDIC Reverses Course, Job Numbers Miss Expectations, & LoanDepot sees Anthony Hsieh Return 4:58

2M ago4:58

4:58

The Federal Deposit Insurance Corporation (FDIC) has recently reversed its regulatory stance, prompting banks to brace for significant regulatory fluctuations that could impact their operational frameworks. Concurrently, the U.S. economy has illustrated a concerning trend, as job creation in February fell short of expectations, with an addition of …

1
Trump to meet with Tech CEOs Amid Tariff Concerns, Klarna Readies IPO with a $15 billion Valuation Target, & Fed's Beige Book Reveals Mounting Economic Uncertainty 4:38

2M ago4:38

4:38

President Trump is poised to engage in discussions with prominent tech CEOs amidst escalating concerns regarding tariffs that could profoundly affect the industry. This crucial meeting will involve executives from major corporations such as IBM, Intel, Qualcomm, and HP, who are expected to deliberate on the ramifications of current trade policies a…

1
President Trump Addresses Congress Amid Market Turmoil, Klarna's CEO Predicts a SaaS shakeup, the CFPB Drops its Zelle Lawsuit, & a Credit Union Employee Replaces Real Cash with Movie Money 4:33

2M ago4:33

4:33

President Trump delivered a significant address to Congress amidst considerable market turmoil, emphasizing his administration's commitment to economic revitalization through various proposed measures, including new tariffs and tax eliminations. This address was marked by a stark display of partisan division, with Democratic lawmakers expressing di…

1
The FDIC Rolls Back Merger Policies, BMO Bets Big on Quantum Computing, Capital One & Wells Fargo Earn Top Marks for CRA, while VC Abandons FinTech for AI 4:54

3M ago4:54

4:54

The Federal Deposit Insurance Corporation (FDIC) has proposed a rollback of its recent merger policies, indicating a shift in regulatory approach as it seeks to foster economic growth and innovation within the banking sector. Concurrently, BMO Financial Group is making significant investments in quantum computing, aligning itself with the IBM Quant…

1
Banking Executives Brace for Industry Reshuffling as Texas Banks Merge, Leadership Changes Sweep Across Financial Institutions, & Regulators Face Organizational Upheaval at the CFPB 4:52

3M ago4:52

4:52

Banking executives are currently poised for significant industry reshuffling, as evidenced by the recent merger activities among Texas banks and the overarching leadership changes proliferating across various financial institutions. The Consumer Financial Protection Bureau (CFPB) is confronting considerable organizational upheaval, with allegations…

1
BNY Partners with OpenAI, Betterment Acquires Ellevest's Automated Investing Business, & Jonathan McKernan Faces Tough Questioning During his CFPB Confirmation Hearing 4:59

3M ago4:59

4:59

We discuss the recent partnership between BNY, the United States' oldest bank, and OpenAI, which aims to incorporate artificial intelligence into BNY's operations to enhance efficiency and streamline complex workflows. Additionally, we delve into the implications of Jonathan McKernan's confirmation hearing for the Consumer Financial Protection Bure…

1
JPMorgan Doubles Down on Private Credit, Anthropic Unveils Claude 3.7 Sonnet, & Robinhood celebrates as the SEC Drops its Crypto Investigation Without Enforcement Action 4:51

3M ago4:51

4:51

JPMorgan Chase has decisively intensified its engagement in the private credit sector, allocating an additional $50 billion towards direct lending initiatives, thereby positioning itself strategically within a market anticipated to burgeon into a $3 trillion enterprise by 2028. Concurrently, Anthropic has unveiled its latest innovation, the Claude …

1
House Republicans Target FDIC Regulations while Microsoft, Figure, & Coinbase Reshape Tomorrow's Tech Landscape 4:53

3M ago4:53

4:53

House Republicans are actively pursuing reforms targeting FDIC regulations, particularly in their efforts to eliminate reputational risk considerations from bank examinations. This initiative arises from concerns regarding perceived discrimination in banking practices, especially as it pertains to cryptocurrency businesses. Concurrently, significan…

1
Trump Eyes FDIC Merger, OpenAI's Altman Promises GPT-5, & JPMorgan Chase Trims Workforce Amidst Regulatory Shifts 4:27

3M ago4:27

4:27

The Trump administration is contemplating a significant merger of the Federal Deposit Insurance Corporation with other regulatory entities, such as the Treasury Department, in an effort to streamline and enhance the oversight of America's banking framework. This proposal includes the potential integration of the FDIC's regulatory responsibilities w…

1
nCino Acquires Sandbox Banking, DeepSeek AI Faces Security Concerns, & President Trump Nominates McKernan and Gould to Lead Key Financial Regulatory Agencies 4:56

3M ago4:56

4:56

The recent acquisition of Sandbox Banking by nCino marks a significant development in the realm of cloud banking solutions, as it underscores the increasing consolidation within the fintech sector. Concurrently, the alarming security vulnerabilities associated with DeepSeek AI have raised serious concerns, prompting calls for stringent regulations …

1
Rodney Hood Takes Helm at the OCC, Wells Fargo Modernizes its Commercial Platform, & Courts Continue to Reshape Small Business Lending Rules 4:57

3M ago4:57

4:57

Rodney Hood's recent appointment as the Acting Comptroller of the Currency marks a pivotal moment for the Office of the Comptroller of the Currency (OCC) as it seeks to navigate the complexities of contemporary financial regulation. Hood, with his extensive background in both government and major financial institutions, is poised to enhance the OCC…

1
CFPB Faces Legal Challenges Over its Shutdown, Consumer Borrowing Hits Record Highs, & JPMorgan Chase Reshapes its Commercial Banking Leadership 4:16

3M ago4:16

4:16

The Consumer Financial Protection Bureau (CFPB) currently grapples with significant legal challenges stemming from its abrupt shutdown, which has been met with fierce opposition from various stakeholders. Concurrently, consumer borrowing has surged to unprecedented levels, with a staggering increase of $40.8 billion reported in December, highlighti…

1
U.S. Bancorp Welcomes its First Female CEO, Illinois Interchange Fee Battle, & the CFPB intensifies Scrutiny of Fintechs and Credit Reporting Firms 4:42

4M ago4:42

4:42

U.S. Bancorp has heralded a significant milestone in its corporate governance by appointing Gunjan Kadia as the institution's inaugural female CEO, effective following the shareholders meeting on April 15. This groundbreaking appointment not only underscores the progression towards gender equity in leadership positions within the financial sector b…

1
Markets Await the Fed's First Rate Decision Under Trump, Wells Fargo Sheds Another Regulatory Burden, & DeepSeek's AI Breakthrough Promises to Slash Costs 4:59

4M ago4:59

4:59

Markets are on edge as they await the Federal Reserve's inaugural interest rate decision under the Trump administration, a pivotal moment that could set the tone for future economic policy. Alongside this crucial announcement, tech giants like Meta, Microsoft, and Tesla are set to reveal their earnings, adding further excitement to the trading day.…

1
DeepSeek's Emergence Roils the AI Market, FinTechs Struggle with Bank Charter Barriers, & Trump Delivers on Crypto Promises 4:28

4M ago4:28

4:28

DeepSeek's emergence has caused a seismic shift in the AI market, triggering a staggering $1 trillion sell-off, with Nvidia alone losing $600 billion in market value. This new Chinese AI app, which claims to match OpenAI's capabilities while utilizing significantly less computing power, raises concerns about the sustainability of AI stock valuation…

1
Trump's First Week Brings Sweeping Changes to Financial Regulation and Crypto Policy, Surging Gen Z Spending, & Consumers Increasingly Struggle with Credit Card Payments 4:47

4M ago4:47

4:47

Trump's first week in office has brought significant changes to financial regulation and cryptocurrency policy, creating a ripple effect across various sectors. As Gen Z continues to increase their spending, consumers are simultaneously facing challenges with credit card payments, with many making only minimum payments on their balances. Major bank…

1
Leadership Changes at Fiserv, Soaring Auto Repossessions, & Credit Union Tax on the Table 4:55

4M ago4:55

4:55

Leadership changes are underway at Fiserv with the appointment of Bill Lyons as the new CEO, succeeding Frank Bisignano. This transition comes at a critical time as the company seeks to enhance its strategic objectives and technological capabilities in the competitive fintech landscape. Additionally, the Consumer Financial Protection Bureau has rep…

1
Coinbase's Legal Battle Over Crypto Regulation, New York's Crackdown on Overdraft Fees, & Ally Exits the Credit Card Business 4:52

4M ago4:52

4:52

Coinbase is currently embroiled in a legal battle over the classification of cryptocurrency transactions, asserting that trades on its platform should be viewed as asset sales rather than securities transactions. This appeal follows a lawsuit from the SEC, which claims that Coinbase operates as an unregistered securities broker. Meanwhile, New York…

1
Fifth Third and Capital One Report Strong Growth Despite Credit Challenges, Banks Prepare for Trump's Regulatory Rollbacks, & KeyBank Doubles Down on Technology Investments 4:54

4M ago4:54

4:54

Fifth Third Bancorp and Capital One are demonstrating strong growth despite facing credit challenges in the current financial landscape. Fifth Third reported a 2.3% year-over-year increase in household growth, particularly thriving in the Southeast, where it plans to open 60 new branches by 2025. Meanwhile, Capital One's fourth-quarter results show…

1
Markets Digest Trump's Inaugural Policies, Capital One Recovers From a Major Outage, & Regulators Tackle Zombie Mortgages 4:15

4M ago4:15

4:15

Financial markets are currently digesting the implications of President Trump's inaugural policies, particularly his proposed trade tariffs on Canadian and Mexican imports. This has led to mixed reactions, with the dollar index experiencing a decline, although long-term support from the Federal Reserve is anticipated. Additionally, regulators are s…

1
Bank of America and PNC Embrace Digital Transformation, American Express Settles a $230 Million Probe, & the CFPB Intensifies its Scrutiny of Credit Reporting Practices 4:46

4M ago4:46

4:46

Bank of America is experiencing a significant digital transformation, with 61% of consumer sales now conducted through digital channels, a notable increase from the previous year. The bank's virtual assistant, Erica, has seen impressive engagement, recording over 171 million interactions in the latest quarter. Meanwhile, American Express is facing …

1
Major Banks Report Strong Earnings Driven by Consumer Spending and Digital Growth, Citibank Grapples With Mobile App Outages, & Regulators Scrutinize Home Equity Contracts 4:55

4M ago4:55

4:55

Major banks have reported strong earnings, driven by consumer spending and advancements in digital banking, with Citigroup leading the way. Despite facing challenges such as mobile app outages and regulatory scrutiny over home equity contracts, Citigroup showcased impressive growth metrics, including a 5% increase in credit card spending and an 8% …

1
CFPB Targets Capital One in Multiple Actions, JPMorgan Reshuffles Leadership, & Glacier Bancorp Continues its Western Expansion 4:58

4M ago4:58

4:58

The Consumer Financial Protection Bureau (CFPB) has filed a lawsuit against Capital One, accusing the bank of misleadingly advertising high interest rates on its savings accounts while offering significantly higher rates on different accounts. This episode of Banking on Disruption Daily also covers significant leadership changes at JPMorgan Chase, …

1
Robinhood's $45 Million SEC Settlement, Bank Earnings Season Kicks Off, & Truist's Leadership Changes 4:35

4M ago4:35

4:35

Robinhood has reached a $45 million settlement with the SEC due to various regulatory violations, which include issues related to suspicious activity reporting and unauthorized access. As the banking sector braces for major earnings reports this Wednesday, analysts are keenly observing trends in digital banking and consumer behavior following signi…

1
AI's Potential Billion-Dollar Impact on Banking, Regulators Grapple with Digital Payments, & Jamie Dimon Weighs in on Trump's Tariff Plans. 4:50

4M ago4:50

4:50

AI is poised to dramatically transform the banking sector, potentially adding between $200 to $340 billion in annual value, as discussed in today's podcast. We also delve into the implications of recent cyberattacks, particularly a breach linked to the Chinese hacking group Silk Typhoon that raised concerns over national security and the integrity …

1
Los Angeles Banks Battle Wildfires, Wells Fargo's Strategic Credit Card Moves, & Trump's Anticipated Regulatory Rollbacks 4:48

4M ago4:48

4:48

Los Angeles banks are taking significant measures in response to the devastating wildfires that have ravaged over 2,000 homes and prompted the evacuation of more than 180,000 residents. Major institutions like JPMorgan Chase and Bank of California have closed branches in the affected areas while prioritizing employee safety and maintaining essentia…

1
X Ventures into Financial Services, Credit Card Debt sees a Historic Decline, & Regulators Grapple with Inflation Concerns. 4:01

4M ago4:01

4:01

Credit card debt has seen a historic decline, marking a significant shift in consumer behavior as individuals prioritize reducing variable rate debt amid high borrowing costs. This episode delves into the Federal Reserve's cautious approach to interest rate cuts in 2025, revealing that only two cuts are projected for the year due to persistent infl…

1
Congress Tackles Financial Reform, Major Banks Exit Climate Commitments, and the CFPB Makes a Move to Lessen Medical Debt's Impact on Credit Scores 4:46

4M ago4:46

4:46

Congress is poised to tackle significant financial reform as the 119th Congress convenes with a Republican majority. Key topics on the agenda include the Credit Card Competition Act, which seeks to allow card payments to be routed over competing networks, and the Earned Wage Access Consumer Protection Act aimed at regulating EWA providers. Meanwhil…

1
Artificial Intelligence Reshapes Silicon Valley & Holiday Shopping, Bracing for Regulatory Changes, and Shifting Trends Marketing Spend 4:53

4M ago4:53

4:53

Artificial intelligence is revolutionizing both the tech industry and consumer behavior, with significant implications for holiday shopping and financial services. OpenAI's CEO Sam Altman discusses the advancements in artificial general intelligence, marking a pivotal moment in AI development. Meanwhile, the financial landscape is shifting as regul…

1
Microsoft's Massive AI Investment, Shifting Consumer Banking Habits, & Evolving FinTech Regulations 4:10

4M ago4:10

4:10

Microsoft's substantial investment of $80 billion into AI-focused data centers by fiscal 2025 marks a significant moment in the tech industry, highlighting the increasing importance of artificial intelligence in various sectors. This strategic move, described by Microsoft's vice chair Brad Smith as a 'golden opportunity,' aims to bolster AI capabil…

1
TD Bank's Legal Woes, SoFi's New Offerings, and Capital One's AirKey Innovation 5:54

7M ago5:54

5:54

In today's episode of Banking on Disruption Daily, we begin with a significant development involving TD Bank's American unit, which is reportedly set to plead guilty to anti-money laundering failures, facing up to a $3 billion penalty. As part of the plea deal, growth restrictions in the U.S. and the appointment of independent monitors are expected…

1
Citibank Lawsuit, JPMorgan's IPO Critique, and Epic vs. Google Legal Clash 5:24

7M ago5:24

5:24

On today's episode of Banking on Disruption Daily, we explore the anticipated dip in net interest income for America's biggest banks as they brace for the weakest lending figures in two years. The decline follows the initial benefits from Federal Reserve rate hikes. Despite increasing competition from neobanks and FinTech companies, traditional ban…

1
Plaid's Pay by Bank Revolution, CFPB Takes on Auto-Finance, and Credit Card Rate Hikes 4:48

7M ago4:48

4:48

In today's episode, we start with Plaid's new Pay by Bank for Bill Pay product, which simplifies and secures direct bank account payments for businesses, enhancing the user experience and reducing costs. The solution integrates smoothly into current payment processes and is already being used in sectors such as telecommunications. Plaid also collab…

1
Battles in Banking: JPMorgan Expands, Klarna Partners with Apple, and M&A Moves with Byline Bancorp 8:01

7M ago8:01

8:01

In today's episode of Banking on Disruption Daily, we explore the increasing competition between traditional banks and neobanks aiming to serve lower-income households. With digital banks capturing nearly half of new account openings, JPMorgan and others are expanding their reach in underserved areas, while neobanks like Dave and Chime focus on acc…

1
FDIC's Lending Insights & HSBC's Embedded Finance Push 5:31

8M ago5:31

5:31

First up the 2024 FDIC Small-Business Lending Survey, which highlights the ongoing importance of in-person interactions in the lending process despite technological advancements. Next, HSBC's new venture, SemFi, partners with Tradeshift to offer embedded finance solutions, addressing the growing demand despite application challenges. We then examin…

1
JPMorgan's New Branches, Impact of EU AI Regulation, & FIS's Digital Trading Leap 6:19

8M ago6:19

6:19

Banking on Disruption Daily - October 3rd, 2024 - JPMorgan Chase plans to open 100 branches in low-income areas, incorporating financial literacy and small business support. - U.S. private sector employment surged in September, adding 143,000 jobs, notably in leisure and hospitality. - FDIC Chairman emphasizes the significance of relationship-drive…

1
Citi Compliance Resolution, AI Regulation Push, and Mastercard's Subscription Move 6:27

8M ago6:27

6:27

Banking on Disruption Daily for Wednesday the 2nd of October, 2024 - Federal Reserve ends an 11-year-old enforcement action against Citigroup, marking improvements in their compliance controls. - Federal Reserve Governor Lisa Cook calls for a unified regulatory approach to mitigate AI risks in financial services. - Federal Housing Finance Agency pr…

1
TD Bank Spoofing Settlement, Banks Enter BNPL Space, and NCR Voyix Sells Digital Banking Unit 2:51

8M ago2:51

2:51

TD Bank has agreed to pay over $20 million to resolve a spoofing case involving fraudulent orders by a former trader. The settlement includes a three-year deferred prosecution agreement and significant penalties, plus enhancements to their compliance programs. Major banks are entering the buy now, pay later market by offering debit-based installmen…

1
Legal Hurdles for Wells Fargo, FDIC Conflict Concerns, and Payfare's DoorDash Setback 5:18

8M ago5:18

5:18

- Wells Fargo is embroiled in a new lawsuit over allegedly insufficient interest rates on uninvested cash in advisory and brokerage accounts, adding to their legal woes. - A recent FDIC Office of Inspector General report calls for stronger conflict of interest training for FDIC employees to bolster transparency and accountability. - Recent FDICenfo…

1
Chime Financial Picks Morgan Stanley for IPO, Janet Yellen Calls for Bank Regulation, Wells Fargo Submits Risk Review to Fed, Synchrony and Dick’s Extend Partnership, Fed Rate Cut and Small Business Impact ... 5:11

8M ago5:11

5:11

- Chime Financial has chosen Morgan Stanley to lead its IPO, aiming for a 2025 launch after a previous postponement in 2022. - Treasury Secretary Janet Yellen calls for stronger financial regulations to improve resilience against bank runs and other risks. - Wells Fargo submits a review to the Federal Reserve in hopes of lifting a cap on its assets…

Podcasts Worth a Listen

Fred E Cadena Podcasts

Podcasts Worth a Listen