Chief Legal Officer, Coinbase
Paul Grewal is the Chief Legal Officer of Coinbase Global, Inc., where he is responsible for Coinbase’s legal, compliance, global intelligence and government relations groups. Before joining Coinbase, Paul was Vice President and Deputy General Counsel at Facebook and served as United States Magistrate Judge for the United States District Court for the Northern District of California. Paul was previously a partner at Howrey LLP . He received his JD from the University of Chicago Law School and his SB from MIT.
Partner, Brown Rudnick LLP
Stephen Palley is a litigation partner and co-chair of Brown Rudnick’s Digital Commerce group. Stephen is a seasoned litigator with over 20 years of extensive courtroom experience litigating and trying complex commercial matters. He has deep technical and U.S. regulatory knowledge, particularly in the digital asset space, and assists clients working on the frontiers of technology, including on deal work for blockchain and other technology enterprises. He is also a fellow of the American College of Coverage Lawyers, and uses his insurance knowledge and experience to advise clients on insurance coverage matters related to technology and other risks. Stephen has written extensively and been quoted widely on legal issues arising from the use of Blockchain technology, with appearances in both print and television media. He is an editor of the International Journal of Blockchain Law (IJBL), a law journal launched in November 2021 to help non-legal communities better understand Blockchain applications and digital assets. Before joining Brown Rudnick, Stephen founded his prior law firm’s Technology, Media and Distributed Systems Practice Group in 2017, which he also chaired. He serves as an outside general counsel to technology and media startups and as a trusted advisor to established businesses across a range of industries, with a focus on securities and financial regulatory law.
Associate Professor of Law, Antonin Scalia Law School, George Mason University
Associate Professor of Law J.W. Verret joined the Antonin Scalia Law School, George Mason University faculty in 2008. In 2013, he took leave for two years to serve as the Chief Economist and Senior Counsel for the U.S. House Committee on Financial Services. He received his JD and MA in Public Policy from Harvard Law School and the Harvard Kennedy School of Government, respectively, in 2006. While in law school, Professor Verret served an Olin Fellowship in Law and Economics at the Harvard Program on Corporate Governance under the guidance of Prof. Lucian Bebchuk.
Professor Verret then served as a law clerk for Vice-Chancellor John W. Noble of the Delaware Court of Chancery. Prior to joining the faculty at Scalia Law, Professor Verret was an associate in the SEC Enforcement Defense Practice Group at Skadden, Arps in Washington, D.C. He has written extensively on corporate law topics, including Delaware's Guidance, co-written with Chief Justice Myron T. Steele of the Delaware Supreme Court. His academic work has been featured in the Yale Journal on Regulation, The Business Lawyer, the Delaware Journal of Corporate Law, the Stanford Law Review, the University of Pennsylvania Journal of Business Law, and the Virginia Law and Business Review. Professor Verret was selected by the Northwestern Law School Searle Center on Law, Regulation, and Economic Growth for a 2009-2010 Searle-Kaufmann Research Fellowship.
Professor Verret is also a Senior Scholar at the Mercatus Center Working Group on Financial Markets, where he regularly briefs Congressional staff, members of Congress, SEC Commissioners and other financial regulatory agencies on financial regulation topics. He also directs the Corporate Federalism Initiative, where he obtains research grants for a network of students and faculty scholars who study the division between states and the federal government as sources of corporate law. Professor Verret has been invited to testify before various House and Senate Committees four times during the financial crisis of 2009 regarding all of the central provisions of the Obama Administration's 2009 financial regulatory reform proposals. For a full list of Professor Verret's C-Span appearances, including testimony before the U.S. House of Representatives and the U.S. Senate, see http://www.c-spanvideo.org/jwverret.
Professor Verret has been an invited panelist for various television appearances, including an interview on The NewsHour with Jim Lehrer. Professor Verret has been quoted in various media on financial regulation and corporate law topics, including the New York Times, CNN Money, the CNN Political Ticker, CNBC, ABC News, Investor's Business Daily, ESPN.com, The American Banker, The American Lawyer, The Huffington Post, CBS.com, and AP News. Professor Verret's op-eds have been featured in Forbes, The Chicago Tribune, The Orange County Register, and The Wall Street Journal. Professor Verret is also a regular guest contributor to three of the most noted corporate law and financial regulation law blogs: the Harvard Law School Corporate Governance and Financial Regulation Forum, Deallawyers.com, and The Conglomerate.
Chairman, Secura/Isaac Group
William “Bill” Isaac served as Chairman of the FDIC during one of the most important and tumultuous periods in US banking history. Some 3,000 banks and thrifts failed during the 1980s, including Continental Illinois and nine of the ten largest banks in Texas. In addition to the failures of many of the largest regional banks throughout the US, most of the money center banks in the US were on the watch list due in large part to the enormous amount of loans on their books to less developed countries.
President Carter appointed Bill Isaac to the board of the FDIC in 1978. He was confirmed by the Senate at the age of 34. President Reagan named him Chairman of the FDIC two years later, making him the youngest FDIC board member and Chairman in history. Bill Isaac also served as Chairman of the Federal Financial Institutions Examination Council (1983-85), as a member of the Depository Institutions Deregulation Committee (1981–85), and on the Vice President’s Task Group on Regulation of Financial Services (1984).
Bill Isaac is currently Chairman and principal owner of three premier consulting firms, Secura/Isaac Consulting, Blue SaaS Solutions, and Secura/Isaac Talent Advisors. He is a member of the boards of directors of Emigrant Bank and New York Private Bank & Trust and serves as Chairman of Sarasota Private Trust and Cleveland Private Trust, all of which are owned by Howard Milstein and his family.
After completing his service as Chairman of the FDIC at the end of 1985, Bill Isaac founded The Secura Group, a leading consulting firm, which he sold in 2008. He served as Chairman of the Board of Fifth Third Bancorp, one of the nation’s leading banks, and worked as Senior Managing Director at FTI Consulting from 2011 to 2019. He then joined Howard Milstein in the financial services business. Bill Isaac is a former board member at TSYS, a leading payment processing company that today is part of Global Payments. He has served on the boards of Amex Bank, The Associates (a finance company formerly owned by Ford Motor Company), credit reporting company TransUnion, and staffing firm MPS Group.
Bill Isaac is involved extensively in thought leadership relating to the financial industry. He is the author of ‘Senseless Panic: How Washington Failed America’ with a foreword by legendary former Federal Reserve Chairman Paul Volcker. ‘Senseless Panic’ provides an inside account of the banking and savings and loans crises of the 1980s and compares that period to the financial crisis of 2008/2009. Bill Isaac’s articles appear in the Wall Street Journal, the Washington Post, the New York Times, The Hill, American Banker, Forbes, the Financial Times, the Washington Times, and other leading publications. He appears regularly on television and radio, testifies before Congress, and is a speaker before audiences throughout the world (www.WilliamIsaac.com).
Bill Isaac was formerly a senior partner at Arnold & Porter, which was a founding partner of The Secura Group. He left the law firm in 1993 when Secura purchased Arnold & Porter’s interest in Secura. Before his appointment to the FDIC, Bill Isaac served as vice president, general counsel and secretary of First Kentucky National Corporation and its subsidiaries, including First National Bank of Louisville and First Kentucky Trust Company. He began his career with Foley & Lardner in Milwaukee where he practiced general corporate law specializing in banking law.
Bill Isaac received a Distinguished Achievement Medal in 1995 from Miami University and a Distinguished Alumnus Award in 2013 from The Ohio State University. He is a Life member of both the Board of Directors of the Miami University Foundation and the Board of Directors of The Ohio State University Foundation. Bill co- founded in 2016, with his former classmate, the William Isaac & Michael Oxley Center for Business Leadership at Miami University.
Partner, Simpson Thacher
Mr. Noreika leads projects related to the U.S. banking industry, as well as clients that span beyond traditional banking including financial technology and cryptocurrency companies. He is the company’s focal point for C-suite advice on compliance and regulatory requirements at all levels, domestic and international.
Prior to joining Patomak, Mr. Noreika was a partner at Simpson Thacher & Bartlett LLP and was a lead lawyer in the firm’s financial institutions regulatory practice, focusing on banking regulation and related litigation. In that role, he advised domestic and international financial institutions on regulatory issues relating to mergers and acquisitions, minority investments, capital issuances, structuring and compliance activities, and litigation matters.
Mr. Noreika’s extensive experience includes advising regional and multinational banks on the structuring of their U.S. operations, compliance with the Volcker Rule, Consumer Financial Protection Bureau and other federal agency regulations, Bank Secrecy Act and anti-money laundering rules, as well as transactional matters and related regulatory applications. He has counseled numerous private equity funds with respect to investments in banking organizations.
In 2017, Mr. Noreika served as acting Comptroller of the Currency where he led the 4,000-person independent agency responsible for chartering, regulating, and supervising all national banks and federal savings associations as well as federal branches and agencies of foreign banks in the U.S. There, he worked to make regulation more accountable, improved the efficiency of chartering and licensing decisions, and sought the enhance the value of the national bank and federal thrift charters and their ability to meet the credit and banking needs of their communities. In this role, he also served as director of the Federal Deposit Insurance Corporation and member of the Financial Stability Oversight Council.
Mr. Noreika has been recognized as a leader in his field by Chambers USA in “Financial Services Regulation: Banking Compliance” since 2014. He received his law degree from Harvard Law School, where he was editor of the Harvard Law Review. He earned his B.S. in economics with a concentration in finance from The Wharton School of the University of Pennsylvania.
Senior Fellow, Mises Institute
Alex J. Pollock is a Senior Fellow with the Mises Institute, providing thought and policy leadership on financial issues and the study of financial systems. His work includes cycles of booms and busts, financial crises with their political responses, housing finance, government-sponsored enterprises, risk and uncertainty, central banking, banking and financial regulation, corporate governance, retirement finance, student loans, and the politics of finance.
He previously served as the Principal Deputy Director of the Office of Financial Research in the U.S. Treasury Department 2019-2021. He was a Distinguished Senior Fellow with the R Street Institute 2015-2019 and 2021, and a resident fellow at the American Enterprise Institute, 2004-2015. Among the many aspects of his AEI work, he developed the One Page Mortgage Form to give borrowers in clear form the key information they need in order to know what they are committing themselves to. He was President and CEO of the Federal Home Loan Bank of Chicago from 1991 to 2004. There he invented the Mortgage Partnership Finance program, which successfully created front-end mortgage credit risk sharing beginning in 1997. His decades of banking experience include being a Visiting Scholar at the Federal Reserve Bank of St. Louis, 1991.
Pollock was a director of the CME Group 2004-2019 and of Ascendium Education Group 1989-2019. He is a director and past-chairman of the Great Books Foundation and a past president of the International Union for Housing Finance.
He is the co-author of Surprised Again! - The COVID Crisis and the New Market Bubble (2022), and the author of Finance and Philosophy—Why We’re Always Surprised (2018) and Boom and Bust: Financial Cycles and Human Prosperity (2011), as well as numerous articles and Congressional testimony.
Pollock is a graduate of Williams College, the University of Chicago, and Princeton University.
His work is available on alexjpollock.com.
Robert Kavesh Professorship in Economics, Leonard N. Stern School of Business, New York University
Lawrence J. White has been with New York University Leonard N. Stern School of Business for more than 35 years. His primary research areas of interest include financial regulation, antitrust, network industries, international banking and applied microeconomics.
Professor White has published numerous articles in the Journal of Business, Journal of Economic Perspectives, Journal of Economic Literature, Journal of Political Economy, American Economic Review, Review of Economics and Statistics, Quarterly Journal of Economics, and other leading journals in economics, finance, and law. He is the author of The S&L Debacle: Public Policy Lessons for Bank and Thrift Regulation, among other books, and he is the co-editor (with John Kwoka) of the 6th of edition of The Antitrust Revolution. He contributed chapters to both of the NYU Stern books on the financial crisis - Restoring Financial Stability and Regulating Wall Street. He is the co-author (with Stern's Viral Acharya, Matthew Richardson, and Stijn Van Nieuwerburgh) of Guaranteed to Fail: Fannie Mae, Freddie Mac, and the Debacle of Mortgage Finance.
Partner, Latham & Watkins LLP
Gregory Garre is a partner in the Washington, D.C. office of Latham & Watkins and Global Chair of the firm's Supreme Court and Appellate Practice Group. He recently served as the 44th Solicitor General of the United States. As Solicitor General, he was the federal government's top lawyer before the Supreme Court and was responsible for overseeing the government's litigation in the federal appellate courts. Prior to his nomination by the President and unanimous confirmation as Solicitor General by the Senate, he served as Principal Deputy Solicitor General from 2005 to 2008, and then as Acting Solicitor General. In addition, he served as an Assistant to the Solicitor General from 2000 to 2004. He is the only person to have held all of those positions within the Office of the Solicitor General.
Mr. Garre has argued 29 cases before the Supreme Court, including two cases during the current term, and has served as counsel of record in hundreds of cases before the Court. During the past term, he won each of the cases he argued as Solicitor General, including the landmark case of Ashcroft v. Iqbal, which clarified the gateway requirements for civil litigation in the federal courts, as well as FCC v. Fox Television Stations, and Winter v. NRDC. He has also argued and briefed cases involving a wide array of other nationally important matters, including in the areas of administrative law, alien tort statute, antitrust, business and employment law, education, environmental law, First Amendment, intellectual property, international law, media and telecommunications, separation of powers and voting rights.
Mr. Garre has also successfully argued numerous cases before the federal courts of appeals, including some of the most significant cases heard by the appellate courts in recent years. And, as Acting Solicitor General, he successfully argued on behalf of the government in the first adversarial appeal heard by the Foreign Intelligence Surveillance Court of Review in its 30-year history.
Mr. Garre has received numerous awards for his public service, including the Attorney General's Medallion for his service as Solicitor General and the Navy's Distinguished Public Service Award-the Navy's highest civilian honor-for his successful argument in Winter v. NRDC, which secured a path-marking Supreme Court ruling overturning an order that restrained critically important naval exercises. He has also received the Attorney General's Distinguished Service Award, the Attorney General's Award for Excellence in Furthering Interests of US National Security, and additional honors from the Department of Justice for his work on nationally important litigation matters.
In November 2009, Mr. Garre was named to Washingtonian Magazine's list of top Supreme Court lawyers. In 2006, he was named to The American Lawyer's "Fab 50" list of top litigators under the age of 45 expected to be "leading the field for years to come." And in 2005, he was named to Chambers USA's list of leading appellate litigators in Washington, D.C.
Mr. Garre received his JD degree with high honors from the George Washington University Law School, where he served as editor-in-chief of the law review and was selected to Order of the Coif, and his BA degree cum laude from Dartmouth College, where he was a Rufus Choate Scholar. Following his graduation from law school, he served as a law clerk to Chief Justice William H. Rehnquist, and to Judge Anthony J. Scirica of the United States Court of Appeals for the Third Circuit.
Mr. Garre is a member of the advisory board of the Georgetown University Law School Supreme Court Institute and of the Edward Coke Appellate Inn of Court. He has taught constitutional law and Supreme Court practice for many years at the George Washington University Law School. He has testified before Congress and speaks frequently on issues related to the Supreme Court and appellate practice.
Lyle T. Alverson Professor of Law, George Washington University Law School
Professor Pierce is author of over twenty books and 130 articles on administrative law, government regulation, and the effects of various forms of government intervention on the performance of markets. His books and articles have been cited in hundreds of judicial opinions, including over a dozen opinions of the U.S. Supreme Court.
Judge, United States Court of Federal Claims
Judge Roumel was appointed to the United States Court of Federal Claims in 2020 and served as Chief Judge from 2020-2021. She serves as Chair of the court’s Advisory Council for Intellectual Property, is the Chair of the court’s Attorney Discipline Panel, serves on the court’s Pro Bono Policy Committee, and is the court’s Liaison Representative on the Administrative Conference of the United States. Judge Roumel previously served as the Deputy Counsel to Vice President Pence. Prior to her tenure at the White House, she served as Assistant General Counsel in the U.S. House of Representatives Office of General Counsel, where she advised and represented the U.S. House of Representatives, Members of Congress, and congressional staff in federal trial and appellate courts across the country.
Judge Roumel previously was a partner with Nelson Mullins Riley & Scarborough, LLP, in Charleston, South Carolina, and before that practiced at Wilmer Cutler Pickering Hale and Dorr, LLP and Skadden Arps Slate Meagher & Flom, LLP in New York City. She also was an adjunct professor at the Charleston School of Law, where she taught intellectual property law. Judge Roumel served as a law clerk to the Honorable William H. Pauley III, United States District Judge for the Southern District of New York.
She received her J.D., magna cum laude, from Tulane Law School, where she graduated Order of the Coif and was an editor of the Tulane Law Review. Judge Roumel also received her M.B.A. from Tulane University's A.B. Freeman School of Business. She earned her B.A., cum laude, from Wake Forest University.
Assistant Professor of Law, Columbus School of Law, Catholic University of America
Chad Squitieri is an Assistant Professor of Law at Catholic University of America’s Columbus School of Law. There he serves as the Director of the Separation of Powers Institute, and as a Managing Director of the Center for the Constitution and the Catholic Intellectual Tradition. Professor Squitieri’s scholarship addresses administrative law and constitutional law topics, including separation-of-powers principles. His scholarship has appeared in the Administrative Law Review, the Harvard Journal of Law and Public Policy, and the Baylor Law Review, among other publications.
Prior to joining the faculty at the Catholic University of America, Prof. Squitieri practiced law at Gibson, Dunn & Crutcher LLP as a member of the Appellate and Constitutional Law and Administrative Law and Regulatory practice groups. He also served as a Special Assistant to former United States Secretary of Labor Eugene Scalia, and as a law clerk to then-Chief Judge D. Brooks Smith of the United States Court of Appeals for the Third Circuit.
Partner, Latham & Watkins LLP
Gregory Garre is a partner in the Washington, D.C. office of Latham & Watkins and Global Chair of the firm's Supreme Court and Appellate Practice Group. He recently served as the 44th Solicitor General of the United States. As Solicitor General, he was the federal government's top lawyer before the Supreme Court and was responsible for overseeing the government's litigation in the federal appellate courts. Prior to his nomination by the President and unanimous confirmation as Solicitor General by the Senate, he served as Principal Deputy Solicitor General from 2005 to 2008, and then as Acting Solicitor General. In addition, he served as an Assistant to the Solicitor General from 2000 to 2004. He is the only person to have held all of those positions within the Office of the Solicitor General.
Mr. Garre has argued 29 cases before the Supreme Court, including two cases during the current term, and has served as counsel of record in hundreds of cases before the Court. During the past term, he won each of the cases he argued as Solicitor General, including the landmark case of Ashcroft v. Iqbal, which clarified the gateway requirements for civil litigation in the federal courts, as well as FCC v. Fox Television Stations, and Winter v. NRDC. He has also argued and briefed cases involving a wide array of other nationally important matters, including in the areas of administrative law, alien tort statute, antitrust, business and employment law, education, environmental law, First Amendment, intellectual property, international law, media and telecommunications, separation of powers and voting rights.
Mr. Garre has also successfully argued numerous cases before the federal courts of appeals, including some of the most significant cases heard by the appellate courts in recent years. And, as Acting Solicitor General, he successfully argued on behalf of the government in the first adversarial appeal heard by the Foreign Intelligence Surveillance Court of Review in its 30-year history.
Mr. Garre has received numerous awards for his public service, including the Attorney General's Medallion for his service as Solicitor General and the Navy's Distinguished Public Service Award-the Navy's highest civilian honor-for his successful argument in Winter v. NRDC, which secured a path-marking Supreme Court ruling overturning an order that restrained critically important naval exercises. He has also received the Attorney General's Distinguished Service Award, the Attorney General's Award for Excellence in Furthering Interests of US National Security, and additional honors from the Department of Justice for his work on nationally important litigation matters.
In November 2009, Mr. Garre was named to Washingtonian Magazine's list of top Supreme Court lawyers. In 2006, he was named to The American Lawyer's "Fab 50" list of top litigators under the age of 45 expected to be "leading the field for years to come." And in 2005, he was named to Chambers USA's list of leading appellate litigators in Washington, D.C.
Mr. Garre received his JD degree with high honors from the George Washington University Law School, where he served as editor-in-chief of the law review and was selected to Order of the Coif, and his BA degree cum laude from Dartmouth College, where he was a Rufus Choate Scholar. Following his graduation from law school, he served as a law clerk to Chief Justice William H. Rehnquist, and to Judge Anthony J. Scirica of the United States Court of Appeals for the Third Circuit.
Mr. Garre is a member of the advisory board of the Georgetown University Law School Supreme Court Institute and of the Edward Coke Appellate Inn of Court. He has taught constitutional law and Supreme Court practice for many years at the George Washington University Law School. He has testified before Congress and speaks frequently on issues related to the Supreme Court and appellate practice.
Lyle T. Alverson Professor of Law, George Washington University Law School
Professor Pierce is author of over twenty books and 130 articles on administrative law, government regulation, and the effects of various forms of government intervention on the performance of markets. His books and articles have been cited in hundreds of judicial opinions, including over a dozen opinions of the U.S. Supreme Court.
Judge, United States Court of Federal Claims
Judge Roumel was appointed to the United States Court of Federal Claims in 2020 and served as Chief Judge from 2020-2021. She serves as Chair of the court’s Advisory Council for Intellectual Property, is the Chair of the court’s Attorney Discipline Panel, serves on the court’s Pro Bono Policy Committee, and is the court’s Liaison Representative on the Administrative Conference of the United States. Judge Roumel previously served as the Deputy Counsel to Vice President Pence. Prior to her tenure at the White House, she served as Assistant General Counsel in the U.S. House of Representatives Office of General Counsel, where she advised and represented the U.S. House of Representatives, Members of Congress, and congressional staff in federal trial and appellate courts across the country.
Judge Roumel previously was a partner with Nelson Mullins Riley & Scarborough, LLP, in Charleston, South Carolina, and before that practiced at Wilmer Cutler Pickering Hale and Dorr, LLP and Skadden Arps Slate Meagher & Flom, LLP in New York City. She also was an adjunct professor at the Charleston School of Law, where she taught intellectual property law. Judge Roumel served as a law clerk to the Honorable William H. Pauley III, United States District Judge for the Southern District of New York.
She received her J.D., magna cum laude, from Tulane Law School, where she graduated Order of the Coif and was an editor of the Tulane Law Review. Judge Roumel also received her M.B.A. from Tulane University's A.B. Freeman School of Business. She earned her B.A., cum laude, from Wake Forest University.
Assistant Professor of Law, Columbus School of Law, Catholic University of America
Chad Squitieri is an Assistant Professor of Law at Catholic University of America’s Columbus School of Law. There he serves as the Director of the Separation of Powers Institute, and as a Managing Director of the Center for the Constitution and the Catholic Intellectual Tradition. Professor Squitieri’s scholarship addresses administrative law and constitutional law topics, including separation-of-powers principles. His scholarship has appeared in the Administrative Law Review, the Harvard Journal of Law and Public Policy, and the Baylor Law Review, among other publications.
Prior to joining the faculty at the Catholic University of America, Prof. Squitieri practiced law at Gibson, Dunn & Crutcher LLP as a member of the Appellate and Constitutional Law and Administrative Law and Regulatory practice groups. He also served as a Special Assistant to former United States Secretary of Labor Eugene Scalia, and as a law clerk to then-Chief Judge D. Brooks Smith of the United States Court of Appeals for the Third Circuit.
Head of U.S. Policy and Strategic Advocacy, Electric Coin Company
Paul Brigner is the Head of U.S. Policy and Strategic Advocacy at the Electric Coin Company. He has served in senior level technology policy and government relations roles for the last eighteen years with another ten years of hands-on technical experience at the beginning his career after serving in the United States Army.
He holds an MBA from the McDonough School of Business at Georgetown University and a JD from the Georgetown University Law Center. He received a Bachelors degree from Stephen F. Austin State University where he was named the Outstanding Computer Science Graduate.
Congressman, U.S. House of Representatives
Congressman Tom Emmer was sworn in for his first term in the U.S. House of Representatives on January 6, 2015. He is currently serving his fifth term.
After serving as the Chairman of the National Republican Congressional Committee for the 116th Congress and again for the 117th Congress, Tom was elected by his fellow Republican colleagues to be the House Majority Whip. Currently, he sits on the House Financial Services Committee.
Born in 1961, Tom grew up in Minnesota and attended St. Thomas Academy. He received his BA in Political Science from the University of Alaska-Fairbanks and his JD from William Mitchell College of Law.
After practicing law for several years, he opened his own law firm. The next 20 years were spent balancing family, business, coaching hockey, and serving on the city councils in Independence and Delano.
Before coming to Congress, he served in the Minnesota House of Representatives from 2004-2008.
He and his wife Jacquie have been married for over 30 years and have seven children. They reside in Delano.
Nonresident Senior Fellow, American Enterprise Institute
Jim Harper is a nonresident senior fellow at the American Enterprise Institute (AEI), where he focuses on privacy issues, and select legal and constitutional law issues.
A lawyer by training, Mr. Harper has served as counsel for the Subcommittee on Commercial, and Administrative Law of the US House Committee on the Judiciary and as counsel for the Senate Committee on Government Affairs. More recently, he worked at the Competitive Enterprise Institute and the Cato Institute, where he wrote on the intersection of business, technology, and public policy, including privacy, surveillance, data security, telecommunications, and cryptocurrencies. He also served as global policy counsel for the Bitcoin Foundation. Mr. Harper was a founding member of the Department of Homeland Security’s Data Privacy and Integrity Advisory Committee. Early in his post-Hill career, he represented companies such as PayPal and Verisign before Congress.
Mr. Harper is the co-editor of “Terrorizing Ourselves: Why U.S. Counterterrorism Policy Is Failing and How to Fix It” (Cato Institute, 2010) and the author of “Identity Crisis: How Identification Is Overused and Misunderstood” (Cato Institute, 2006). He has written several amicus briefs in Fourth Amendment cases before the U.S. Supreme Court and has published scholarly articles in a variety of law journals. In the popular press, Mr. Harper has been published in The New York Times and The Wall Street Journal, among many other publications.
Mr. Harper has a law degree from the U.C. Hastings College of the Law, where he was editor-in-chief of the Hastings Constitutional Law Quarterly, and a BA from the University of California, Santa Barbara.
General Counsel, Espresso Systems
Michael Mosier is General Counsel at Espresso Systems, which is developing configurable privacy for digital assets with decentralized private computation. He served as Acting Director, Deputy Director, and the first Digital Innovation Officer of the U.S. Treasury’s Financial Crimes Enforcement Network (FinCEN). He also was Counselor (for Cybersecurity & Emerging Technology) to the Deputy Secretary of the Treasury.
Previously, Michael was Chief Technical Counsel at Chainalysis; an Associate Director of Treasury’s Office of Foreign Assets Control; a Deputy Chief at the Department of Justice’s Money Laundering Section; and White House National Security Council Director for Transnational Organized Crime. He began his public service with the Manhattan District Attorney’s Office and has been an adjunct professor at Georgetown University Law Center.
Senior Counsel and Director of Global Regulatory Matters, ConsenSys Software
Bill Hughes is senior counsel and director of global regulatory matters for ConsenSys Software, the leading Ethereum blockchain software company. Bill focuses on the diverse and ever evolving crypto global regulatory landscape, and the legal and public policy issues with which ConsenSys and the broader crypto ecosystem is grappling.
Bill joined ConsenSys after serving as an Associate Deputy Attorney General at the Department of Justice, where he managed, among other things, the Department’s work on prospective regulations, legislative proposals, and policies across a broad spectrum of legal and operational issues. He worked closely with the White House and other federal agencies on regulatory and policy initiatives and coordinated DOJ’s law enforcement response to COVID-19-related consumer fraud and money laundering. Bill also has served at the White House, where he oversaw various operational components. Bill began his career by clerking for a federal judge in New York and litigating with the firm of Sullivan & Cromwell LLP. Bill received his JD from the University of Virginia School of Law and his BA from Vanderbilt University.
Associate Professor of Law, Antonin Scalia Law School, George Mason University
Associate Professor of Law J.W. Verret joined the Antonin Scalia Law School, George Mason University faculty in 2008. In 2013, he took leave for two years to serve as the Chief Economist and Senior Counsel for the U.S. House Committee on Financial Services. He received his JD and MA in Public Policy from Harvard Law School and the Harvard Kennedy School of Government, respectively, in 2006. While in law school, Professor Verret served an Olin Fellowship in Law and Economics at the Harvard Program on Corporate Governance under the guidance of Prof. Lucian Bebchuk.
Professor Verret then served as a law clerk for Vice-Chancellor John W. Noble of the Delaware Court of Chancery. Prior to joining the faculty at Scalia Law, Professor Verret was an associate in the SEC Enforcement Defense Practice Group at Skadden, Arps in Washington, D.C. He has written extensively on corporate law topics, including Delaware's Guidance, co-written with Chief Justice Myron T. Steele of the Delaware Supreme Court. His academic work has been featured in the Yale Journal on Regulation, The Business Lawyer, the Delaware Journal of Corporate Law, the Stanford Law Review, the University of Pennsylvania Journal of Business Law, and the Virginia Law and Business Review. Professor Verret was selected by the Northwestern Law School Searle Center on Law, Regulation, and Economic Growth for a 2009-2010 Searle-Kaufmann Research Fellowship.
Professor Verret is also a Senior Scholar at the Mercatus Center Working Group on Financial Markets, where he regularly briefs Congressional staff, members of Congress, SEC Commissioners and other financial regulatory agencies on financial regulation topics. He also directs the Corporate Federalism Initiative, where he obtains research grants for a network of students and faculty scholars who study the division between states and the federal government as sources of corporate law. Professor Verret has been invited to testify before various House and Senate Committees four times during the financial crisis of 2009 regarding all of the central provisions of the Obama Administration's 2009 financial regulatory reform proposals. For a full list of Professor Verret's C-Span appearances, including testimony before the U.S. House of Representatives and the U.S. Senate, see http://www.c-spanvideo.org/jwverret.
Professor Verret has been an invited panelist for various television appearances, including an interview on The NewsHour with Jim Lehrer. Professor Verret has been quoted in various media on financial regulation and corporate law topics, including the New York Times, CNN Money, the CNN Political Ticker, CNBC, ABC News, Investor's Business Daily, ESPN.com, The American Banker, The American Lawyer, The Huffington Post, CBS.com, and AP News. Professor Verret's op-eds have been featured in Forbes, The Chicago Tribune, The Orange County Register, and The Wall Street Journal. Professor Verret is also a regular guest contributor to three of the most noted corporate law and financial regulation law blogs: the Harvard Law School Corporate Governance and Financial Regulation Forum, Deallawyers.com, and The Conglomerate.
Head of U.S. Policy and Strategic Advocacy, Electric Coin Company
Paul Brigner is the Head of U.S. Policy and Strategic Advocacy at the Electric Coin Company. He has served in senior level technology policy and government relations roles for the last eighteen years with another ten years of hands-on technical experience at the beginning his career after serving in the United States Army.
He holds an MBA from the McDonough School of Business at Georgetown University and a JD from the Georgetown University Law Center. He received a Bachelors degree from Stephen F. Austin State University where he was named the Outstanding Computer Science Graduate.
Congressman, U.S. House of Representatives
Congressman Tom Emmer was sworn in for his first term in the U.S. House of Representatives on January 6, 2015. He is currently serving his fifth term.
After serving as the Chairman of the National Republican Congressional Committee for the 116th Congress and again for the 117th Congress, Tom was elected by his fellow Republican colleagues to be the House Majority Whip. Currently, he sits on the House Financial Services Committee.
Born in 1961, Tom grew up in Minnesota and attended St. Thomas Academy. He received his BA in Political Science from the University of Alaska-Fairbanks and his JD from William Mitchell College of Law.
After practicing law for several years, he opened his own law firm. The next 20 years were spent balancing family, business, coaching hockey, and serving on the city councils in Independence and Delano.
Before coming to Congress, he served in the Minnesota House of Representatives from 2004-2008.
He and his wife Jacquie have been married for over 30 years and have seven children. They reside in Delano.
Nonresident Senior Fellow, American Enterprise Institute
Jim Harper is a nonresident senior fellow at the American Enterprise Institute (AEI), where he focuses on privacy issues, and select legal and constitutional law issues.
A lawyer by training, Mr. Harper has served as counsel for the Subcommittee on Commercial, and Administrative Law of the US House Committee on the Judiciary and as counsel for the Senate Committee on Government Affairs. More recently, he worked at the Competitive Enterprise Institute and the Cato Institute, where he wrote on the intersection of business, technology, and public policy, including privacy, surveillance, data security, telecommunications, and cryptocurrencies. He also served as global policy counsel for the Bitcoin Foundation. Mr. Harper was a founding member of the Department of Homeland Security’s Data Privacy and Integrity Advisory Committee. Early in his post-Hill career, he represented companies such as PayPal and Verisign before Congress.
Mr. Harper is the co-editor of “Terrorizing Ourselves: Why U.S. Counterterrorism Policy Is Failing and How to Fix It” (Cato Institute, 2010) and the author of “Identity Crisis: How Identification Is Overused and Misunderstood” (Cato Institute, 2006). He has written several amicus briefs in Fourth Amendment cases before the U.S. Supreme Court and has published scholarly articles in a variety of law journals. In the popular press, Mr. Harper has been published in The New York Times and The Wall Street Journal, among many other publications.
Mr. Harper has a law degree from the U.C. Hastings College of the Law, where he was editor-in-chief of the Hastings Constitutional Law Quarterly, and a BA from the University of California, Santa Barbara.
General Counsel, Espresso Systems
Michael Mosier is General Counsel at Espresso Systems, which is developing configurable privacy for digital assets with decentralized private computation. He served as Acting Director, Deputy Director, and the first Digital Innovation Officer of the U.S. Treasury’s Financial Crimes Enforcement Network (FinCEN). He also was Counselor (for Cybersecurity & Emerging Technology) to the Deputy Secretary of the Treasury.
Previously, Michael was Chief Technical Counsel at Chainalysis; an Associate Director of Treasury’s Office of Foreign Assets Control; a Deputy Chief at the Department of Justice’s Money Laundering Section; and White House National Security Council Director for Transnational Organized Crime. He began his public service with the Manhattan District Attorney’s Office and has been an adjunct professor at Georgetown University Law Center.
Senior Counsel and Director of Global Regulatory Matters, ConsenSys Software
Bill Hughes is senior counsel and director of global regulatory matters for ConsenSys Software, the leading Ethereum blockchain software company. Bill focuses on the diverse and ever evolving crypto global regulatory landscape, and the legal and public policy issues with which ConsenSys and the broader crypto ecosystem is grappling.
Bill joined ConsenSys after serving as an Associate Deputy Attorney General at the Department of Justice, where he managed, among other things, the Department’s work on prospective regulations, legislative proposals, and policies across a broad spectrum of legal and operational issues. He worked closely with the White House and other federal agencies on regulatory and policy initiatives and coordinated DOJ’s law enforcement response to COVID-19-related consumer fraud and money laundering. Bill also has served at the White House, where he oversaw various operational components. Bill began his career by clerking for a federal judge in New York and litigating with the firm of Sullivan & Cromwell LLP. Bill received his JD from the University of Virginia School of Law and his BA from Vanderbilt University.
Associate Professor of Law, Antonin Scalia Law School, George Mason University
Associate Professor of Law J.W. Verret joined the Antonin Scalia Law School, George Mason University faculty in 2008. In 2013, he took leave for two years to serve as the Chief Economist and Senior Counsel for the U.S. House Committee on Financial Services. He received his JD and MA in Public Policy from Harvard Law School and the Harvard Kennedy School of Government, respectively, in 2006. While in law school, Professor Verret served an Olin Fellowship in Law and Economics at the Harvard Program on Corporate Governance under the guidance of Prof. Lucian Bebchuk.
Professor Verret then served as a law clerk for Vice-Chancellor John W. Noble of the Delaware Court of Chancery. Prior to joining the faculty at Scalia Law, Professor Verret was an associate in the SEC Enforcement Defense Practice Group at Skadden, Arps in Washington, D.C. He has written extensively on corporate law topics, including Delaware's Guidance, co-written with Chief Justice Myron T. Steele of the Delaware Supreme Court. His academic work has been featured in the Yale Journal on Regulation, The Business Lawyer, the Delaware Journal of Corporate Law, the Stanford Law Review, the University of Pennsylvania Journal of Business Law, and the Virginia Law and Business Review. Professor Verret was selected by the Northwestern Law School Searle Center on Law, Regulation, and Economic Growth for a 2009-2010 Searle-Kaufmann Research Fellowship.
Professor Verret is also a Senior Scholar at the Mercatus Center Working Group on Financial Markets, where he regularly briefs Congressional staff, members of Congress, SEC Commissioners and other financial regulatory agencies on financial regulation topics. He also directs the Corporate Federalism Initiative, where he obtains research grants for a network of students and faculty scholars who study the division between states and the federal government as sources of corporate law. Professor Verret has been invited to testify before various House and Senate Committees four times during the financial crisis of 2009 regarding all of the central provisions of the Obama Administration's 2009 financial regulatory reform proposals. For a full list of Professor Verret's C-Span appearances, including testimony before the U.S. House of Representatives and the U.S. Senate, see http://www.c-spanvideo.org/jwverret.
Professor Verret has been an invited panelist for various television appearances, including an interview on The NewsHour with Jim Lehrer. Professor Verret has been quoted in various media on financial regulation and corporate law topics, including the New York Times, CNN Money, the CNN Political Ticker, CNBC, ABC News, Investor's Business Daily, ESPN.com, The American Banker, The American Lawyer, The Huffington Post, CBS.com, and AP News. Professor Verret's op-eds have been featured in Forbes, The Chicago Tribune, The Orange County Register, and The Wall Street Journal. Professor Verret is also a regular guest contributor to three of the most noted corporate law and financial regulation law blogs: the Harvard Law School Corporate Governance and Financial Regulation Forum, Deallawyers.com, and The Conglomerate.
Senior Fellow, Mises Institute
Alex J. Pollock is a Senior Fellow with the Mises Institute, providing thought and policy leadership on financial issues and the study of financial systems. His work includes cycles of booms and busts, financial crises with their political responses, housing finance, government-sponsored enterprises, risk and uncertainty, central banking, banking and financial regulation, corporate governance, retirement finance, student loans, and the politics of finance.
He previously served as the Principal Deputy Director of the Office of Financial Research in the U.S. Treasury Department 2019-2021. He was a Distinguished Senior Fellow with the R Street Institute 2015-2019 and 2021, and a resident fellow at the American Enterprise Institute, 2004-2015. Among the many aspects of his AEI work, he developed the One Page Mortgage Form to give borrowers in clear form the key information they need in order to know what they are committing themselves to. He was President and CEO of the Federal Home Loan Bank of Chicago from 1991 to 2004. There he invented the Mortgage Partnership Finance program, which successfully created front-end mortgage credit risk sharing beginning in 1997. His decades of banking experience include being a Visiting Scholar at the Federal Reserve Bank of St. Louis, 1991.
Pollock was a director of the CME Group 2004-2019 and of Ascendium Education Group 1989-2019. He is a director and past-chairman of the Great Books Foundation and a past president of the International Union for Housing Finance.
He is the co-author of Surprised Again! - The COVID Crisis and the New Market Bubble (2022), and the author of Finance and Philosophy—Why We’re Always Surprised (2018) and Boom and Bust: Financial Cycles and Human Prosperity (2011), as well as numerous articles and Congressional testimony.
Pollock is a graduate of Williams College, the University of Chicago, and Princeton University.
His work is available on alexjpollock.com.
Partner, Manatt, Phelps & Phillips, LLP
Bryan Schneider is partner in Manatt’s Chicago office and a member of the firm’s industry-leading consumer financial services practice, where he focuses on advising clients through the gamut of consumer financial services regulatory and enforcement matters, particularly as it relates to supervision, enforcement and fair lending.
Prior to joining the firm, Bryan served as Associate Director for the Division of Supervision, Enforcement and Fair Lending at the Consumer Financial Protection Bureau (CFPB). In this role, he was tasked with overseeing issues related to student loan origination and servicing, mortgage origination/services, auto finance, credit card account management, debt collection, and payday and other small dollar lending. He was also a member of key interagency governing organizations including the Task Force of Supervision of the Federal Financial Institutions Examination Council.
Bryan’s experience also includes serving as Secretary of the Illinois Department of Financial and Professional Regulation, a cabinet-level agency, under Governor Bruce Rauner. During this time, Bryan led numerous initiatives to place the state at the forefront of innovation in the financial services industry, including leading the conversion to the first-ever online, paperless process for professional licensure and achieving the first credit union section accreditation by the National Association of State Credit Union Supervisors. He also led the creation of the Illinois Blockchain Initiative, where he advised organizations on how they can leverage blockchain technology to create more efficient, integrated and trusted services.
Before his tenure in government, Bryan held health care-related leadership positions at the largest retail, infusion and specialty pharmacy provider in the United States. While in this role, he helped develop policies concerning health care services and reimbursement, and provided regulatory and transactional support for joint ventures with hospitals, health systems and 340B programs. Bryan also served on Corporate Compliance and Disclosure Committees responsible for ensuring compliance with applicable health care and SEC securities requirements.
Bryan has served on the Executive Committee of the Conference of State Bank Supervisors (CSBS) and chaired its Non-Depository Supervisory Committee. He also served on the committee that was responsible for the administration of the Nationwide Multistate Licensing System & Registry (NMLS). Additionally, Bryan served on the Executive Committee of the National Association of State Credit Union Supervisors (NASCUS).
George Mason University Foundation Professor of Law, Antonin Scalia Law School, George Mason University
TODD J. ZYWICKI is George Mason University Foundation Professor of Law at Antonin Scalia Law School at George Mason University and Research Fellow of the George Mason Law and Economics Center. During the Fall 2023 semester he served as the Visiting Scholar in Conservative Thought and Policy for the Bruce Benson Center for the Study of Western Civilization at the University of Colorado-Boulder. From 2020-2021 he was Chair of the Consumer Financial Protection Bureau Taskforce on Federal Consumer Financial Law. In 2021 he was inducted to the American College of Consumer Financial Services Lawyers. He is also a Senior Fellow of the F.A. Hayek Program for the Advanced Study of Politics, Philosophy, and Economics at George Mason University and a former Senior Fellow of the Cato Institute. From 2015-2017 he was Executive Director of the George Mason Law and Economics Center. He served as Co-Editor of the Supreme Court Economic Review from 2006-2017. From 2003-2004, Professor Zywicki served as the Director of the Office of Policy Planning at the Federal Trade Commission. He has also taught at Vanderbilt University Law School, Georgetown University Law Center, Boston College Law School, Mississippi College School of Law, and China University of Political Science and Law.
Professor Zywicki clerked for Judge Jerry E. Smith of the U.S. Court of Appeals for the Fifth Circuit and worked as an associate at Alston & Bird in Atlanta, Georgia, where he practiced bankruptcy and commercial law. He received his J.D. from the University of Virginia, where he was executive editor of the Virginia Tax Review and John M. Olin Scholar in Law and Economics. Professor Zywicki also received an M.A. in Economics from Clemson University and an A.B. cum Laude with high honors in his major from Dartmouth College.
Professor Zywicki is also a Lone Mountain Fellow of the Property and Environment Research Center, a Fellow of the International Centre for Economic Research in Turin, Italy, and a former Senior Fellow of the Goldwater Institute. During the Fall 2008 Semester Professor Zywicki was the Searle Fellow of the George Mason University School of Law and was a 2008-09 W. Glenn Campbell and Rita Ricardo-Campbell National Fellow and the Arch W. Shaw National Fellow at the Hoover Institution on War, Revolution and Peace. He has lectured and consulted with government officials around the world, including Iceland, Italy, Japan, and Guatemala. In 2006 Professor Zywicki served as a Member of the United States Department of Justice Study Group on “Identifying Fraud, Abuse and Errors in the United States Bankruptcy System.”
Professor Zywicki is the author of more than 130 articles in leading law reviews and peer-reviewed economics journals. He is one of the Top 10 most-cited law professors in the field of Commercial Law and one of the Top 25 law professors on Twitter as measured by engagement levels. He is one of the Top 50 Most Downloaded Law Authors at the Social Science Research Network. He has testified multiple times before Congress on issues of consumer bankruptcy law and consumer credit and is a frequent commentator on legal issues in the print and broadcast media, including the Wall Street Journal, New York Times, The Washington Post, The Washington Times, Nightline, The Newshour with Jim Lehrer, Neil Cavuto Show, Fox & Friends, Smerconish, Fox News @ Night with Shannon Bream, Fox Business, CNN, CNBC, Bloomberg News, BBC, The Diane Rehm Show, Lou Dobbs Show, Jerry Doyle Show, and The Laura Ingraham Show.
Professor Zywicki is former Chairman and a current member of the Board of Directors of the Competitive Enterprise Institute, and is a member of the Board of Directors of the Institute for Humane Studies, Bill of Rights Institute, the Executive Committee for the Federalist Society's Financial Institutions and E-Commerce Practice Group, the Board of Trustees of the Foundation for Research on Economics and the Environment. He formerly served on the Governing Board and the Advisory Council for the Financial Services Research Program at George Washington University School of Business. He is currently the Chair of the Academic Advisory Council for the following organizations: The Bill of Rights Institute, the film “We the People in IMAX,” and the McCormick-Tribune Foundation “Freedom Museum” in Chicago, Illinois. He is a member of the Board of Visitors of Ralston College and was a member of the Board of Trustees of Yorktown University. From 2005-2009 he served as an elected Alumni Trustee of the Dartmouth College Board of Trustees.
Managing Director, Banking Supervision and Regulation Group, Patomak Global Partners
Brian Johnson is Managing Director in the Banking Supervision and Regulation Group at Patomak Global Partners.
In this role, Mr. Johnson spearheads projects related to the regulation of consumer financial products under Keith Noreika, Executive Vice President and Chairman of the Banking Supervision and Regulation Group and former acting Comptroller of the Currency.
Prior to joining Patomak, Mr. Johnson was a partner in Alston & Bird LLP’s financial services and products group. There, he advised financial institutions on consumer finance regulatory issues relating to product compliance, examination, enforcement investigations, and compliance management systems, and on strategic engagement with independent federal regulatory agencies and with Congress.
Mr. Johnson previously served as Deputy Director of the Consumer Financial Protection Bureau (CFPB), where he oversaw the agency’s rulemaking, supervision, and enforcement activities. He conceived and led the creation of high-profile agency initiatives, including the Office of Innovation, Taskforce on Federal Consumer Financial Law, policy symposia series, and Start Small, Save Up emergency savings program. He also served as the CFPB representative to the Financial Stability Oversight Council Deputies’ Committee and advised on interagency matters involving the Federal Deposit Insurance Corporation and the Federal Financial Institutions Examination Council.
Mr. Johnson held various positions on Capitol Hill, including policy director and chief financial institutions counsel on the House Committee on Financial Services, where his portfolio covered consumer protection and credit, mortgage origination, credit reporting, banking, and data security. His efforts on the committee involved drafting legislation to provide regulatory relief to bank, credit union, and nondepository financial institutions, as well as conducting oversight of the activities of the CFPB, Financial Stability Oversight Council, Federal Deposit Insurance Corporation, Office of Financial Research, Office of the Comptroller of the Currency, Federal Reserve System, and National Credit Union Administration.
Mr. Johnson received his juris doctorate from the University of Virginia School of Law and his bachelor’s in economics from the University of Virginia.
Examining the SEC's Approach Towards Crypto
Paul Grewal, Stephen Palley, J.W. Verret
A Regulatory Transparency Project Webinar
Join us for an in-depth exploration into the SEC's recent lawsuit against Coinbase – a...
The 2023 Bank Runs and Failures: What Do They Mean Going Forward?
William M. Isaac, Keith Noreika, Alex J. Pollock, Lawrence J. White
A Regulatory Transparency Project Webinar
This year's sudden collapse of First Republic, Silicon Valley, and Signature banks were the second,...
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Crypto King Cites Recent SCOTUS Ruling in Effort to Dismiss Charges
Everyone deserves their day in court. Disgraced former crypto king and FTX founder Sam Bankman-Fried...
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Gregory G. Garre, Richard J. Pierce, Eleni M. Roumel, Chad C. Squitieri
EBRXI
The Supreme Court continues to accept for review cases that challenge agency authority on separation...
The Administrative State on Trial?
Gregory G. Garre, Richard J. Pierce, Eleni M. Roumel, Chad C. Squitieri
EBRXI
The Supreme Court continues to accept for review cases that challenge agency authority on separation...
A Discussion on Central Bank Digital Currencies and the Future of Financial Privacy
Paul Brigner, Tom Emmer, Jim Harper, Michael Mosier, William C. Hughes, J.W. Verret
A Regulatory Transparency Project Webinar
This webinar will explore central bank digital currencies (CBDCs) and the ongoing debates over financial...
A Discussion on Central Bank Digital Currencies and the Future of Financial Privacy
Paul Brigner, Tom Emmer, Jim Harper, Michael Mosier, William C. Hughes, J.W. Verret
A Regulatory Transparency Project Webinar
This webinar will explore central bank digital currencies (CBDCs) and the ongoing debates over financial...
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Alex J. Pollock
The Federalist Society’s Financial Services & E-Commerce Practice Group, Student Division & University of Pennsylvania...
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A Few Questions About Crypto Asset Regulation for SEC Chair Gensler
This post is an expanded version of comments delivered by the author during a webinar...
Deep Dive Episode 250 - Examining the CFPB’s Targeting of Discrimination in Consumer Finance Through UDAAP
Bryan Schneider, Todd J. Zywicki, Brian C. Johnson
Regulatory Transparency Project's Fourth Branch Podcast
Under the Biden Administration, Consumer Financial Protection Bureau Director Rohit Chopra has dramatically increased the...