Executive Director, Wyoming Stable Token Commission
Anthony Apollo is the Exeuctive Director of the Wyoming Stable Token Commission, which is responsible for developing and issuing the first publicly-issued, fully-reserved stablecoin in the United States, the Wyoming Stable Token (WYST). The WYST is backed by U.S. Treasury securities and cash, and is designed to be redeemable for U.S. dollars.
Beth and Marc Goldberg Professor of Law, Cornell Law School
Dan Awrey is the Beth and Marc Goldberg Professor of Law at Cornell Law School. Dan’s teaching and research interests reside in the field of financial regulation, including the regulation of banks, investment funds, derivatives markets, payment systems, and financial market infrastructure. Dan has undertaken research and provided advice at the request of organizations including the Bank for International Settlements, U.S. Treasury Department, Federal Reserve Board, the President’s Working Group on Financial Markets, Her Majesty’s Treasury, UK Financial Conduct Authority, Commonwealth Secretariat, Canadian Department of Finance, and European Securities and Markets Authority. His research has been featured in publications including the Yale Law Journal, New York University Law Review, Georgetown Law Journal, Duke Law Journal, Cornell Law Review, Yale Journal on Regulation, Harvard Business Law Review, and the Journal of Comparative Economics. Dan is a co-author of one of the leading textbooks on financial regulation, Principles of Financial Regulation, published by Oxford University Press. He is also a founding co-managing editor of the Journal of Financial Regulation. His latest book, Beyond Banks: Technology, Regulation, and the Future of Money was published by Princeton University Press in October 2024.
Partner, Cahill Gordon & Reindel LLP; Special Professor of Law, Maurice A. Dean School of Law, Hofstra University
Gary E. Kalbaugh is a nationally recognized leader in commodities, futures, and derivatives law.
Gary is a partner in the New York office of Cahill Gordon & Reindel LLP as well as a Special Professor of Law at the Maurice A. Deane School of Law at Hofstra University, where he teaches derivatives law and banking law.
A preeminent authority in the derivatives field, Gary is the author of the principal treatise Derivatives Law and Regulation (3rd ed. 2021) and serves as Editor-in-Chief of the Futures and Derivatives Law Report, the foremost industry publication. He is a past chair of the New York City Bar Association’s Committee on the Regulation of Futures and Derivatives and has over 15 years of experience as a professor teaching derivatives and banking law.
Gary is the leading derivatives lawyer in the digital assets space, and one of few to truly understand the technical side of emerging financial technology. He serves on the CFTC’s Future of Finance Subcommittee, reflecting his recognized leadership at the intersection of financial regulation and emerging technologies. A frequent speaker, writer, and commentator on derivatives, banking law, artificial intelligence, and digital assets regulation, he has served as conference co-chair for the American Bar Association’s “Artificial Intelligence and Derivatives Market” conference and regularly speaks at major industry conferences on cutting-edge issues in financial regulation and technology. Gary is sought after as a thought leader on the evolving landscape of digital asset regulation and the regulatory implications of AI in financial markets.
At ING, Gary served as Deputy General Counsel and Director, where he chaired swap dealer and security-based swap dealer regulatory committees and provided strategic leadership on U.S., European, and other regulations impacting the organization. He had global responsibility for U.S. derivatives regulatory issues and maintained strong relationships with regulators. Gary also co-developed ING legal’s global artificial intelligence training program and was responsible for U.S. regulatory issues relating to ING’s blockchain-based pilot programs and crypto initiatives.
Previously, Gary served as a lecturer-in-law at Columbia Law School and held senior roles at WestLB, where he was executive director, counsel, and chief U.S. data protection officer and chaired the global Dodd-Frank and underwriting committees. He began his career as an associate at a notable international firm.
Head of Legal for Blockchain, Crypto and Digital Currencies, Paypal Inc.
Jerome Roche is an experienced legal professional specializing in blockchain, cryptocurrency, and digital currencies, currently serving as the Head of Legal at PayPal. Previously, Jerome held partner positions at Linklaters and Mayer Brown, and served as Associate General Counsel at TIAA-CREF, along with an associate role at WilmerHale. Jerome earned a Juris Doctor from the University of Michigan Law School (1994-1997) and a Bachelor of Science in Mathematics from Purdue University (1988-1992)
General Counsel and Corporate Secretary, Circle
Sarah is responsible for leading Circle’s legal function to progress the company’s vision and priorities across commercial and M&A transactions, regulatory and product initiatives, corporate governance, and litigation. Sarah honed her corporate legal practice at Sullivan & Cromwell LLP before transitioning in-house, most recently serving as the Chief Legal Officer of a PE-backed company.
Professor of Law, UC Irvine School of Law
Mehrsa Baradaran is a Professor of Law at UC Irvine School of Law.
Previously, she was the Robert Cotten Alston Chair in Corporate Law and Associate Dean for strategic initiatives with a focus on diversity and inclusion efforts and national and international faculty scholarship recognition at the University of Georgia School of Law.
Baradaran writes about banking law, financial inclusion, inequality, and the racial wealth gap. Her scholarship includes the books How the Other Half Banks and The Color of Money: Black Banks and the Racial Wealth Gap, both published by the Harvard University Press. The Color of Money: Black Banks and the Racial Wealth Gap was awarded the Best Book of the Year by the Urban Affairs Association, the PROSE Award Honorable Mention in the Business, Finance & Management category. Baradaran was also selected as a finalist at the 2018 Georgia Author of the Year Awards for the book in the category of history/biography.
Baradaran has also published articles including "Jim Crow Credit" in the Irvine Law Review, "Regulation by Hypothetical" in the Vanderbilt Law Review, "It's Time for Postal Banking" in the Harvard Law Review Forum, "Banking and the Social Contract" in the Notre Dame Law Review, "How the Poor Got Cut Out of Banking" in the Emory Law Journal, "Reconsidering the Separation of Banking and Commerce" in the George Washington Law Review and "The ILC and the Reconstruction of U.S. Banking" in the SMU Law Review. Of note, her article "The New Deal with Black America" was selected for presentation at the 2017 Stanford/Harvard/Yale Junior Faculty Forum.
Baradaran and her books have received significant national and international media coverage and have been featured in the New York Times, the Atlantic, Slate, American Banker, the Wall Street Journal and Financial Times; on National Public Radio’s “Marketplace,” C-SPAN’s “Washington Journal” and Public Broadcasting Service’s “NewsHour;” and as part of TEDxUGA. She has advised U.S. Senators and Congressmen on policy, testified before the U.S. Congress, and spoken at national and international forums like the U.S. Treasury and the World Bank.
She earned her bachelor's degree cum laude from Brigham Young University and her law degree cum laude from NYU, where she served as a member of the New York University Law Review.
Executive Director, Government Affairs, Goldman Sachs
Diego Zuluaga serves as Executive Director, Government Affairs at Goldman Sachs.
Previously Zuluaga served as a Principal at Fingleton. Prior to joining Fingleton, Zuluaga was an associate director of financial regulation studies at the Cato Institute’s Center for Monetary and Financial Alternatives, where he covered financial technology and consumer credit. Before joining Cato, Zuluaga was Head of Financial Services and Tech Policy at the Institute of Economic Affairs in London. While at the IEA, he wrote on international capital mobility, multi-sided platform regulation, and price controls on consumer credit, among other subjects.
Zuluaga is the author of “Should Cryptocurrencies Be Regulated like Securities?” and “The Community Reinvestment Act in the Age of Fintech and Bank Competition.” He has previously testified on the impact of restrictions on short-term lending before the House Subcommittee on Consumer Protection and Financial Institutions. Zuluaga's work has featured in print and broadcast media, such as Politico, the Wall Street Journal, Newsweek, American Banker, the London Times, and the Daily Telegraph. Zuluaga is a prolific public speaker as well as a former lecturer in economics at the University of Buckingham.
Originally from Bilbao in northern Spain, Zuluaga holds a BA in economics and history from McGill University, and an MSc in financial economics from the University of Oxford.
Assistant Attorney General, Office of Legal Counsel, U.S. Department of Justice
T. Elliot Gaiser is the Office of Legal Counsel’s 27th Assistant Attorney General. He was nominated by President Donald Trump on April 29, 2025, confirmed by the United States Senate on July 30, 2025, and sworn in as AAG by Attorney General Pam Bondi on August 4, 2025.
Prior to joining the Office of Legal Counsel, Mr. Gaiser served as the 11th Solicitor General of Ohio. In that role, he represented his home state and its agencies before the Supreme Court of the United States, the United States Court of Appeals for the Sixth Circuit, the Supreme Court of Ohio, and other state and federal courts. He also advised Ohio Attorney General Dave Yost on significant legal and constitutional matters important to the people of Ohio.
Mr. Gaiser clerked for Justice Samuel A. Alito, Jr. of the Supreme Court of the United States, Judge Neomi Rao of the United States Court of Appeals for the D.C. Circuit, and Judge Edith H. Jones of the United States Court of Appeals for the Fifth Circuit. In the private sector, Mr. Gaiser worked at the law firms Jones Day, Boyden Gray, and Gibson Dunn. He graduated from the University of Chicago Law School and Hillsdale College. He is also a husband and father.
President and Chief Executive Officer, Conference of State Bank Supervisors
John Ryan is the president and chief executive officer of the Conference of State Bank Supervisors, the national organization of financial regulators from all 50 states and U.S. territories. Since becoming president and CEO in 2011, Mr. Ryan has provided strategic leadership in advancing the system of state financial supervision.
Mr. Ryan previously served as CSBS’s Executive Vice President, and Assistant Vice President of Legislative Affairs. Mr. Ryan also led the financial services consulting practice at a public affairs firm, and worked on the U.S. House Banking, Finance and Urban Affairs committee. He has a B.A. in political science and economics from the University of California at Berkeley.
Senior Counsel, Corporate Engagement Team, Alliance Defending Freedom
Brian Knight serves as senior counsel on the Corporate Engagement Team. His work focuses on issues of financial access, debanking, and preventing the power of the private sector from being weaponized against people of faith by both public and private actors.
Prior to joining ADF, Knight spent almost nine years at the Mercatus Center at George Mason University, as both a senior research fellow and as a program director. In addition to managing a team of scholars, Knight’s research focused on financial regulation and the politicization of financial services. His research helped inform legislation and regulation at the federal and state level. He was also the lead author for two amicus briefs submitted to the U.S. Supreme Court in the case of National Rifle Association v. Vullo.
Before joining Mercatus, Knight worked at the Milken Institute, where he focused on financial technology. He was also an entrepreneur, co-founding a firm focused on compliance for crowdfunding.
Knight earned a Juris Doctor from the University of Virginia School of Law and a Bachelor of Arts from the College of William and Mary.
Wayne A. Abernathy, Wild Bells
Wayne A. Abernathy is a former U.S. Treasury Assistant Secretary for Financial Institutions under President George W. Bush, receiving the Alexander Hamilton Award in recognition of his service. In that office he was also a member of the Board of Directors of the Securities Investor Protection Corporation. Prior to his work at the Treasury, Mr. Abernathy served as Staff Director of the Senate Banking Committee, under Chairman Phil Gramm.
Following his service at the Treasury, Mr. Abernathy worked for 15 years on the staff of the American Bankers Association, as Executive Vice President for Financial Institutions Policy and Regulatory Affairs.
Previous experience with the Senate Banking Committee includes serving as Staff Director of the Subcommittee on Securities during 1995-1998. From 1989 until 1994, Mr. Abernathy was a Republican economist for the committee. He previously worked as a senior legislative assistant for Senator Gramm during 1987-1989 and as an economist for the Banking Committee’s Subcommittee on International Finance and Monetary Policy during 1981-1986, under Chairman Jake Garn.
Mr. Abernathy earned his bachelor’s degree in International Studies from The Johns Hopkins University in 1978. In 1980, he received a master’s degree in International Studies from the School of Advanced International Studies of The Johns Hopkins University.
Senior Counsel, Becket Fund for Religious Liberty
William J. Haun is Senior Counsel at the Becket Fund for Religious Liberty and a Nonresident Fellow at the American Enterprise Institute (AEI). At Becket, Will litigates nationwide in defense of religious liberty for all faith traditions, particularly before the U.S. Supreme Court and in other federal and state appellate courts. His litigation includes being a member of the U.S. Supreme Court team that prevailed 9-0 for Catholic Social Services in Fulton v. City of Philadelphia, arguing before multiple federal appellate courts, federal district courts, and the Supreme Court of Texas. At AEI, Will writes and researches on constitutionalism and self-government’s prerequisites, especially the role of religion in securing and preserving freedom.
Before joining Becket and AEI, Will practiced appellate and antitrust law at two international law firms—Shearman & Sterling and Hunton & Williams. He also served as a law clerk to Judge Janice Rogers Brown of the U.S. Court of Appeals for the D.C. Circuit and Judge Claude Hilton of the U.S. District Court for the Eastern District of Virginia. Will often writes on constitutional law issues, including in the Harvard Journal of Law & Public Policy, the Catholic University Law Review, National Affairs, Law & Liberty, National Review Online, the Wall Street Journal, and the Washington Post. He also speaks on these topics, including at the Catholic University of America, Columbus School of Law, Princeton University, the University of Virginia School of Law, and the University of Chicago Law School. He received his J.D. from the Catholic University of America, cum laude, where he was a published member of the Law Review. He received his B.A. from American University in political science, cum laude. He lives in Maryland with his wife and children, where they enjoy sailing, cheering on their favorite baseball teams, and discovering the great traditions of their Catholic faith.
Associate Chief Counsel for Litigation, U.S. Chamber Of Commerce
Warren Postman is Associate Chief Counsel for Litigation for the U.S. Chamber Litigation Center, the litigation arm of the U.S. Chamber of Commerce. Mr. Postman has extensive experience handling appellate, trial, and regulatory matters on behalf of American businesses.
Before joining the Chamber, Mr. Postman practiced law with the international law firm of Jones Day. His practice focused on high impact litigation and regulatory counseling, with a particular focus on representing companies in disputes with the federal government.
During the 2008 Term of the Supreme Court of the United States, Mr. Postman clerked for Associate Justice David Souter. He also clerked for Judge William A. Fletcher of the United States Court of Appeals for the Ninth Circuit.
He graduated magna cum laude from Harvard Law School, where he was a member of the Law Review, and also graduated magna cum laude from Brandeis University, where he was a member of Phi Beta Kappa. Born and raised in Vermont, Mr. Postman now lives in Virginia with his wife and two children.
Partner, Mayer Brown
Andrew Olmem is a partner in Mayer Brown’s Washington DC office and a member of its Public Policy, Regulatory & Government Affairs, and Financial Services Regulatory & Enforcement practices. His practice focuses on complex financial services regulatory and public policy matters.
Andrew previously served as the Deputy Assistant to the President for Economic Policy and Deputy Director of the National Economic Council (NEC), where he oversaw the development and coordination of the administrations’ domestic economic policies, including for financial services, technology, telecom, energy, and infrastructure.
Earlier, he also served as the Republican Chief Counsel and Deputy Staff Director at the U.S. Senate Committee on Banking, Housing and Urban Affairs. Andrew began his legal career practicing corporate and securities law at Mayer Brown in New York City. Prior to attending law school, he served as an Assistant Economist at the Federal Reserve Bank of Richmond.
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.
Graduate Research Fellow, Mercatus Center, George Mason University
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Deep Dive Episode 110 – Community Reinvestment Act: Remedy or Relic?
Mehrsa Baradaran, Diego Zuluaga, T. Elliot Gaiser
Congress passed the Community Reinvestment Act in 1977, intending to encourage depository institutions to help...
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