Executive Director, Consumers’ Research
Will Hild is the Executive Director of Consumers’ Research. Will has a decade of non-profit, legal and public policy experience. Prior to joining CR, Will served as the Deputy Director of the Regulatory Transparency Project. Before that, he worked at the Philanthropy Roundtable as the Director of External Affairs for the Culture of Freedom Initiative, and as the Chief Operating Officer of that Initiative when it grew to become a separate organization. He helped co-found the public interest law firm, Cause of Action, and served as the firm’s acting communications director for nearly a year.
Will received his J.D. from Georgetown University Law Center, and a B.A. in Political Science from the University of Florida. He is licensed to practice law in the Commonwealth of Virginia.
Will resides in Bethesda, MD, with his wife Cheryl, a practicing OB/GYN, and their son Liam.
Partner, Fusion Law, PLLC
Paul is the founding partner of Fusion Law, PLLC. He has extensive experience with state, federal, and global regulators building coalitions and implementing policies to promote innovation in financial services. He is responsible for designing and implementing the first state (Arizona) and federal (CFPB) FinTech sandboxes in the United States. He also designed the CFPB no-action letter and trial disclosure policies. He helped found the first global regulatory innovation coalition (Global Financial Innovation Network) and led the founding of the first U.S. regulatory innovation coalition (American Consumer Financial Innovation Network). He served on the Financial Stability Oversight Council subcommittee on digital assets. He also has drafted state-level laws on blockchain and utility tokens.
Paul also has significant enforcement and litigation experience. He led many multi-state consumer protection enforcement matters as Civil Litigation Division Chief at the Arizona Attorney General’s Office.
Prior to his government service, Paul practiced law in the areas of securities litigation and transactional work for approximately six years at two well-known law firms. He also clerked on the U.S. Court of Appeals for the Fourth Circuit.
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.
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.
Executive Vice President, General Counsel & Chief Operations Officer, Bank Policy Institute
John Court is Executive Vice President, General Counsel and Chief Operations Officer at the Bank Policy Institute, where he manages the Regulatory Affairs Department and is responsible for overseeing all of BPI’s legal and regulatory advocacy initiatives.
Previously, Mr. Court served as Managing Director and Deputy General Counsel for The Clearing House Association, a predecessor organization to BPI. Prior to joining The Clearing House in 2012, Mr. Court spent 10 years in private practice advising clients on various financial regulatory and enforcement matters, most recently as a member of the Financial Institutions Regulatory and Enforcement group at Skadden, Arps, Slate, Meagher & Flom LLP. Mr. Court holds a B.A. from Cornell University and J.D. from George Washington University School of Law. Since 2015, he has served as co-chair of the Legislation & Regulation Subcommittee of the American Bar Association’s Banking Law Committee.
Executive Director, Consumers’ Research
Will Hild is the Executive Director of Consumers’ Research. Will has a decade of non-profit, legal and public policy experience. Prior to joining CR, Will served as the Deputy Director of the Regulatory Transparency Project. Before that, he worked at the Philanthropy Roundtable as the Director of External Affairs for the Culture of Freedom Initiative, and as the Chief Operating Officer of that Initiative when it grew to become a separate organization. He helped co-found the public interest law firm, Cause of Action, and served as the firm’s acting communications director for nearly a year.
Will received his J.D. from Georgetown University Law Center, and a B.A. in Political Science from the University of Florida. He is licensed to practice law in the Commonwealth of Virginia.
Will resides in Bethesda, MD, with his wife Cheryl, a practicing OB/GYN, and their son Liam.
Judge, United States Court of Appeals, Ninth Circuit
Judge Nelson was confirmed to the Ninth Circuit in October 2018, as the youngest Circuit Judge to serve from Idaho and he has chambers in his hometown of Idaho Falls. Prior to his confirmation, Judge Nelson served for nine years as General Counsel of Idaho Falls-based Melaleuca, Inc., a consumer goods company. He previously worked in Washington, DC, where he served in all three branches of the federal government, including as Special Counsel for Supreme Court nominations to the Ranking Member of the Senate Judiciary Committee; Deputy General Counsel to the White House Office of Management and Budget; Deputy Assistant Attorney General in the Environment and Natural Resources Division of the United States Department of Justice; and a law clerk to Judge Henderson of the United States Court of Appeals for the D.C. Circuit. He has argued in most of the federal courts of appeals and worked on dozens of Supreme Court briefs. He started in the Washington, DC office of Sidley Austin as an appellate lawyer, after clerking for Judges Mosk and Brower of the Iran-U.S. Claims Tribunal at The Hague, and for now-Judge Tom Griffith, then-Senate Legal Counsel, during the impeachment trial of President Clinton. Judge Nelson earned his B.A. from Brigham Young University and his J.D., with honors, from BYU Law School. Judge Nelson has been a member of the Federalist Society since 1998.
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.
Deputy Attorney General, Civil Litigation, Texas Attorney General
James Lloyd is the Deputy Attorney General for Civil Litigation for the Texas Attorney General. He serves alongside over 600 lawyers and staff across eleven practice groups handling more than 35,000 cases involving the State of Texas. James also serves as Chief of the Antitrust Division, leading the enforcement of state and federal antitrust laws and representing the interests of Texas in national antitrust matters alongside federal enforcers.
James previously practiced at global law firms Sidley Austin LLP and Mayer Brown LLP, managing a range of high-profile matters for public and private companies. He began his legal career as a law clerk to Justice David Medina on the Texas Supreme Court.
James has served in a variety of roles in public service. He is currently an Intelligence Officer in the U.S. Navy Reserve, assigned to the Commander of the U.S. Pacific Fleet. James served on the Presidential Transition Team for President Donald Trump, where he advised on financial regulatory policy and led the transition of the U.S. Securities and Exchange Commission. James previously served at the White House as Senior Writer to President George W. Bush. He was also a member of the national security staff, coordinating policymaking and oversight with senior officials among the Cabinet departments and agencies.
James received his J.D. from The University of Texas School of Law, where he was Articles Editor for the Texas Law Review and a teaching assistant to Admiral Bobby Inman. He earned his bachelor’s degree from Rice University, where he was student body president and received the Joseph Cooper Prize in Public Policy.
A seventh-generation Texan, James comes from a family of litigators, including his mother, his sister, and his father who has served over 18 years on the Texas judiciary. James is Chair of the State Bar of Texas Antitrust and Business Litigation Section and serves on the Executive Committee of The Federalist Society’s Corporations, Securities, and Antitrust Practice Group.
James has spent over a decade as a volunteer attorney for veterans legal clinics in Houston and Austin. He is also a member of the Legal Affairs Roundtable for the Intelligence and National Security Alliance (INSA) and is also a longtime supporter of the Houston Livestock Show and Rodeo, serving on the Mutton Bustin' Committee.
Levin, Mabie & Levin Professor of Law, University of Florida Levin College of Law
Professor Lynn M. LoPucki comes to UF in August 2022 from the UCLA School of Law where he taught Secured Transactions and Business Associations for twenty-two years. His Stakeholder Takeover Project is an effort to provide corporate stakeholders with the information they need to control corporations through markets. For example, the Project website ranks the S&P 500 companies by their greenhouse gas emissions. The UC Davis Law Review published the first Project article, Repurposing the Corporation Through Stakeholder Markets, in February 2022 and will publish the second, Corporate Greenhouse Gas Disclosures, in November.
Professor LoPucki has published more than seventy-five articles in highly regarded law reviews, including the Yale Law Journal, Stanford Law Review, University of Chicago Law Review, University of Michigan Law Review, University of Pennsylvania Law Review, Virginia Law Review, Cornell Law Review, Duke Law Journal, and Northwestern University Law Review. He co-authors three Aspen Casebooks: Business Associations: A Systems Approach (2020) (with Andrew Verstein); Secured Transactions: A Systems Approach (9th edition with Elizabeth Warren and Robert M. Lawless), and Commercial Transactions: A Systems Approach (7th edition with Elizabeth Warren, Daniel L. Keating, Ronald Mann, and Robert M. Lawless).
Since 1994, the Florida-UCLA-LoPucki Bankruptcy Research Database has collected large, public company bankruptcy data and disseminated it to the public and to bankruptcy researchers throughout the world. Those data provided the foundation for Professor LoPucki’s books, Courting Failure: How Competition for Big Cases is Corrupting the Bankruptcy Courts (University of Michigan Press 2005) and Professional Fees in Corporate Bankruptcies: Data, Analysis, and Evaluation (Oxford University Press, 2011) (with Joseph Doherty).
Partner, Fusion Law, PLLC
Paul is the founding partner of Fusion Law, PLLC. He has extensive experience with state, federal, and global regulators building coalitions and implementing policies to promote innovation in financial services. He is responsible for designing and implementing the first state (Arizona) and federal (CFPB) FinTech sandboxes in the United States. He also designed the CFPB no-action letter and trial disclosure policies. He helped found the first global regulatory innovation coalition (Global Financial Innovation Network) and led the founding of the first U.S. regulatory innovation coalition (American Consumer Financial Innovation Network). He served on the Financial Stability Oversight Council subcommittee on digital assets. He also has drafted state-level laws on blockchain and utility tokens.
Paul also has significant enforcement and litigation experience. He led many multi-state consumer protection enforcement matters as Civil Litigation Division Chief at the Arizona Attorney General’s Office.
Prior to his government service, Paul practiced law in the areas of securities litigation and transactional work for approximately six years at two well-known law firms. He also clerked on the U.S. Court of Appeals for the Fourth Circuit.
Head of Corporate Governance, Strive Asset Management
Justin Danhof is the Head of Corporate Governance at Strive Asset Management. Previously, he served as General Counsel for the National Center for Public Policy Research, as well as Director of the Center’s Free Enterprise Project. He also worked in the Miami-Dade State’s Attorney’s Office in the Economic Crimes and Cybercrimes Division, for the Massachusetts Alliance for Economic Development and at the U.S. Securities and Exchange Commission.
Mr. Danhof’s work has been widely published and quoted in major newspapers, including the Wall Street Journal, the New York Times, Politico, USA Today, the Los Angeles Times, the San Francisco Chronicle, the Boston Globe, the Christian Science Monitor, and the Washington Post. He has also appeared on the Fox News Channel, One America News Network, and the Fox Business Channel, among others.
Mr. Danhof is a member of the Federalist Society and Christian Legal Society.
Mr. Danhof is a graduate of Bentley University (Waltham, MA), where he received a Bachelor of Science in economics and finance and pitched for three seasons on the school’s NCAA Division II baseball team. Mr. Danhof completed his graduate studies at the University of Miami School of Law where he received his Juris Doctor and Master of Laws in Taxation.
Mr. Danhof is licensed to practice law in New York and Washington, D.C.
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.
Executive in Residence, Wake Forest University School of Business
John Allison is an Executive in Residence at the Wake Forest School of Business. He is a member of the Cato Institute’s Board of Directors and Chairman of the Executive Advisory Council of the Cato Institute’s Center for Monetary and Financial Alternatives. Allison was president and CEO of the Cato Institute from October 2012 to April 2015. Prior to joining Cato, Allison was chairman and CEO of BB&T Corporation, the 10th-largest financial services holding company headquartered in the United States. During his tenure as CEO from 1989 to 2008, BB&T grew from $4.5 billion to $152 billion in assets. He was recognized by theHarvard Business Reviewas one of the top 100 most successful CEOs in the world over the last decade.
Allison has received the Corning Award for Distinguished Leadership, been inducted into the North Carolina Business Hall of Fame, and received the Lifetime Achievement Award from theAmerican Banker. He is the author of The Financial Crisis and the Free Market Cure: Why Pure Capitalism Is the World Economy’s Only Hope and The Leadership Crisis and the Free Market Cure: Why the Future of Business Depends on the Return to Life, Liberty, and the Pursuit of Happiness. In addition, he is a former Distinguished Professor of Practice at Wake Forest University School of Business, and serves on the Board of Visitors at the business schools at Wake Forest, Duke, and the University of North Carolina–Chapel Hill.
Allison is a Phi Beta Kappa graduate of the University of North Carolina–Chapel Hill. He received his master’s degree in management from Duke University and is also a graduate of the Stonier Graduate School of Banking. Allison is the recipient of six honorary doctorate degrees.
Maurice and Hilda Friedman Professor of Law, Columbia Law School; CEO, New Civil Liberties Alliance
Philip Hamburger is the Maurice and Hilda Friedman Professor of Law at Columbia Law School, and Chief Executive Officer at the New Civil Liberties Alliance. Before coming to Columbia, he was the John P. Wilson Professor at the University of Chicago Law School.
He writes on constitutional law and its history—with particular emphasis on religious liberty, freedom of speech and the press, judicial office, administrative power, and unconstitutional conditions.
His books are Separation of Church and State (Harvard 2002), Law and Judicial Duty (Harvard 2008), Is Administrative Law Unlawful? (Chicago 2014), The Administrative Threat (Encounter 2017), and Liberal Suppression: Section 501(c)(3) and the Taxation of Speech (Chicago 2018). A forthcoming book is Purchasing Submission: Conditions, Power, and Freedom (Harvard 2021).
He is a member of the American Academy of Arts and Sciences, and he has served on the board of directors of the American Society for Legal History. He has twice received the Sutherland Prize for the most significant contribution to English legal history, and has been awarded the Henry Paolucci - Walter Bagehot Book Award, the Hayek Book Prize, and the Bradley Prize.
Former CEO, Vascular Solutions
Howard Root is the recently-retired Chief Executive Officer of Vascular Solutions, Inc., a company he founded in 1997, took public in 2000, and grew into a worldwide medical device company that he sold to Teleflex for $1 billion in February 2017. Over the company’s 20 years, Howard led Vascular Solutions in inventing, developing and launching over 100 new medical devices that are used daily to improve the lives of patients suffering from cardiovascular disease. In 2014, Vascular Solutions and Howard were indicted on felony charges alleging the company’s salespeople had promoted off-label an FDA-cleared medical device that made up only 0.1% of the company’s sales and never harmed a single patient. After surviving an arduous legal process, with 121 attorneys charging $25 million in legal fees, in February 2016 the jury returned a verdict of not guilty on all charges, even though the defense didn’t call a single witness to testify in the four-week trial.
Counsel to Commissioner Hester M. Peirce, U.S. Securities and Exchange Commission
Thaya Brook Knight was associate director of financial regulation studies at the Cato Institute. She is an attorney with extensive experience in securities regulation, small business capital access, and capital markets. Before joining Cato, she co-founded and served as general counsel of CrowdCheck, a company providing due diligence and disclosure services in the online investing market. Following the recent financial crisis, she served as investigative counsel for the congressional oversight panel charged with overseeing the expenditure of Troubled Asset Relief Program funds. She also spent several years with the Washington office of the law firm WilmerHale, where her practice focused on securities litigation, securities enforcement defense, and corporate investigations.
She holds a BA from Middlebury College and a JD from the University of Michigan Law School.
General Counsel - International, Willis Towers Watson
Todd F. Braunstein is General Counsel - International as well as Head of Global Investigations at Willis Towers Watson, an insurance broking and consulting firm with $9 billion in revenues, 45,000 employees, and business in 140+ countries. He previously worked as a federal prosecutor, at two DC law firms, and in the White House.
A.B., Harvard College; J.D., Harvard Law School
Director and Associate General Counsel, Cybersecurity & Investigations, Meta
Hayley Chang serves as Director and Associate General Counsel for Cybersecurity and Investigations at Meta (formerly Facebook), where she leads the legal team focused on protecting the company and its 3.6 billion users from malicious activity in cyberspace.
Prior to transitioning to the tech industry, Ms. Chang held several senior roles in government – all focused on law enforcement, national security, and cybersecurity. Most recently, she served as Deputy General Counsel of the FBI, where she oversaw the 9/11 litigation and contributed significantly to the investigation of the 2019 Pensacola terrorist attack.
Ms. Chang previously served as Deputy General Counsel for Cyber and Technology at the U.S. Department of Homeland Security, where she led the Department’s successful effort to obtain passage of the Preventing Emerging Threats Act of 2018. Ms. Chang testified before Congress in support of the new law, which enables federal law enforcement to use advanced technology to counter emerging threats from drones. She also led the Department’s legal strategy to leverage new cyber authorities to mitigate a Russia-based cybersecurity threat. This initiative resulted in a complete ban of all Kaspersky products across the federal government. The Department prevailed against subsequent legal challenges at the district court and appellate levels. These and other cutting-edge efforts culminated in the successful creation of the Cybersecurity and Infrastructure Security Agency (CISA).
Ms. Chang’s government service also includes six years as a federal prosecutor, where she won the Distinguished Service Award and the Director’s Award for her successes in complex trials. Additionally, in two separate rounds of government service, Ms. Chang played critical roles in efforts to enhance CFIUS authorities, with the successful passage of the Foreign Investment and National Security Act (FINSA) in 2007 and the Foreign Investment Risk Review Modernization Act (FIRRMA) over a decade later.
Ms. Chang’s private practice experience includes litigation, appeals, and government investigations, and she was the General Counsel for a financial technology company designed to serve U.S. veterans.
Ms. Chang is a graduate of Cornell Law School, where she served as an editor of the Cornell Law Review. She received her bachelor’s degree from Hillsdale College. Following law school, she clerked for Chief Judge Timothy Tymkovich on the United States Court of Appeals for the Tenth Circuit.
General Counsel and Corporate Secretary, Citigroup
Brent McIntosh joined Citi as General Counsel and Corporate Secretary in October 2021. Brent leads Citi's global legal team, including Citi security and investigative services, and oversees Citi’s independent compliance risk management function.
Brent served as Under Secretary of the Treasury for International Affairs from 2019 to 2021. He led the Treasury Department’s engagement in the G7 and G20, represented the United States on the Financial Stability Board, and managed U.S. participation at the IMF and World Bank. He oversaw Treasury’s international economic and financial policy work, including significant engagements on investment security and regulation of digital currencies. During 2020, he coordinated initiatives to alleviate the COVID-19 pandemic’s economic consequences.
From 2017 to 2019, Brent served as Treasury’s General Counsel, leading the department’s approximately 2,000 lawyers and spearheading its regulatory reform efforts. Prior to that, he was a partner in the law firm of Sullivan & Cromwell, where his practice focused on complex disputes involving financial institutions and multinational corporations.
Brent served in the White House from 2006 until 2009, first as Associate Counsel to the President and then as Deputy Assistant to the President and Deputy Staff Secretary. Before that, he was a Deputy Assistant Attorney General at the Justice Department, where his work focused on national security matters.
A Michigan native, Brent holds an A.B. in economics and political science from the University of Michigan and a J.D. from Yale Law School. Following law school, he was a law clerk to two federal appellate judges, Dennis Jacobs of the Second Circuit and Laurence H. Silberman of the D.C. Circuit. Brent serves on the Board of Directors of the Alexander Hamilton Society, the Board of Advisors for the National Security Institute at George Mason University’s Antonin Scalia Law School, and the Advisory Council of the Official Monetary and Financial Institutions Forum. He is a member of the Council on Foreign Relations, where he previously served as an Adjunct Senior Fellow for International Economics and Finance, as well as the Bretton Woods Committee and the International Institute for Strategic Studies.
General Counsel, TRM Labs
Sujit Raman joined Sidley Austin after nearly a dozen years as a federal prosecutor, culminating in his service as Associate Deputy Attorney General at the U.S. Department of Justice (DOJ). In that role, he personally advised the Attorney General and Deputy Attorney General in their oversight of the nation’s cyber-related criminal and national security investigations and prosecutions. Sujit also led DOJ’s policy formulation in a number of critical areas, including cybersecurity, cross-border data transfers and protection, 5G/supply chain security, and emerging technologies such as facial recognition, cryptocurrency, and encryption. He brings clients a deep understanding of substantive and procedural issues involved in white collar defense, corporate internal investigations, cyber/data protection, and national security matters.
Sujit was a lead U.S. representative in high-profile international data-sharing negotiations with the United Kingdom, Australia, and the European Union. He also coordinated DOJ’s response to the Schrems II decision of the EU Court of Justice and, from 2018–2020, chaired the Attorney General’s Cyber-Digital Task Force, leading formulation of DOJ’s policy and operational response to transnational cybercrime, nation-state-sponsored malign cyber activity, and online foreign influence operations. Sujit was instrumental in drafting the legislation for the Clarifying Lawful Overseas Use of Data (CLOUD) Act and led the team that worked with industry and Capitol Hill to secure the legislation’s bipartisan passage.
In addition to his extensive experience in cybersecurity, data protection, and national security issues, Sujit served for over eight years as an Assistant United States Attorney in Maryland where he led numerous complex white collar fraud and public corruption investigations, and tried six cases to jury verdict. He also served as the office’s chief of appeals, supervising the appellate work of over 80 federal prosecutors across the spectrum of federal criminal law, arguing 20 cases in the federal court of appeals, and personally litigating matters of first impression in areas as diverse as export control and economic sanctions compliance; the RICO statute; the border search doctrine and the third-party doctrine as they apply to electronic evidence; and other leading issues at the intersection of law, technology, and privacy.
Sujit is a sought-after speaker and thinker on international regulatory and geopolitical issues and has appeared in national media and testified before the U.S. Senate on these topics. His professional achievements and service to the legal community have earned him public recognition, including the “Attorney General’s Award for Distinguished Service” (2018), the National Asian Pacific American Bar Association “Best Lawyers Under 40” Award (2015), the National South Asian Bar Association “Cornerstone Award” (2015), and the U.S. Secret Service “Director’s Award” (2013).
A term member of the Council on Foreign Relations, Sujit is a graduate of Harvard College, Harvard Law School, and the University of Bristol (UK), where he studied as a Marshall Scholar and served as head coach of the women’s varsity rowing program.
Chief Legal Advisor & Partner, Bridgewater Associates
Rick Sharma joined Bridgewater in 2012. As Chief Legal Advisor, he is responsible for key legal, regulatory, and risk management initiatives. He is also a member of the firm’s Commercial and Business Strategy Committee. Rick is an industry veteran who previously served on the Management Committee of Plural Investments, LLC, and as the Director of Legal and Compliance at Drake Management, LLC. Prior to that, he was an attorney at the law firm of Stroock & Stroock & Lavan LLP, a Special Assistant U.S. Attorney for the US Department of Justice and a member of the US Army’s Judge Advocate General (JAG) Corps.
Rick graduated from The Johns Hopkins University in 1995 with degrees in Economics and Political Science and from the Fordham University School of Law in 1998. He is a former Army officer and paratrooper and during his military service was awarded the Meritorious Service Medal and the NY State Conspicuous Service Cross, among other recognitions. He currently serves in committee leadership roles at the Managed Funds Association. He is admitted to practice law in New York, California, Massachusetts, and as Authorized In-House Counsel in Connecticut.
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