Principal, Dennis R. Adams Consulting; former CEO, American Share Insurance
Dennis R. Adams is currently the Principal of Dennis R. Adams Consulting, assisting credit unions, financial organizations, and businesses around the country. He is also the former President and CEO American Share Insurance. During the 1990s and early 2000s, Dennis was an adjunct instructor of finance with undergraduates at Franklin University,Ashland University, and Capital University’s MBA programs in his hometown of Columbus, Ohio.
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).
Partner, Davis Polk & Wardwell LLP
Meg is head of Davis Polk's Financial Institutions practice and a member of its Fintech team. She provides strategic bank and financial regulatory advice to many of the largest U.S. and non-U.S. financial institutions, regional banks, fintechs, cryptocurrency exchanges and other digital assets companies.
In 2023, she led teams representing the Signature and Silicon Valley bridge banks and advised JPMorgan on its acquisition of First Republic. This work built on years of representing more than two dozen clients on living wills.
She has been involved in several regional bank combinations. She also advises on corporate governance, consent order remediation, bank chartering, payment systems, fintech partnerships, bank powers and activities, cryptocurrencies, digital assets, securities disclosure, capital and liquidity and the Federal Reserve’s liquidity programs.
Meg is a member of the FDIC’s Systemic Resolution Advisory Committee. She co-authored Financial Regulation: Law and Policy, a leading textbook, and FinTech Law: The Case Studies.
In 2023, she was named a Law360 “Banking MVP” and an NYLJ “Dealmaker of the Year.”
Principal, Ely & Company, Inc.
Bert Ely has specialized in deposit insurance and banking structure issues since 1981. In 1986, he became an early predictor of the S&L crisis and a taxpayer bailout of the FSLIC. In 1991, he was the first person to correctly predict the non-crisis in commercial banking; in 1992, he predicted an eventual taxpayer bailout of the Japanese banking system.
Bert continuously monitors conditions in the banking and S&L industries, monetary policy, and the growing federalization of credit risk. He has helped to draft legislation to enact the cross-guarantee concept for privatizing banking regulation and its related deposit insurance and systemic risks. He has testified on numerous occasions before congressional committees on banking issues and he often speaks on these matters to bankers and others.
Bert first established his consulting practice in 1972. Before that, he was the chief financial officer of a public company, a consultant with Touche, Ross & Company, and an auditor with Ernst & Ernst. He received his MBA from the Harvard Business School in 1968 and his Bachelor's degree in economics in 1964 from Case Western Reserve University.
The Future of Deposit Insurance and Opposing Costs
Dennis R. Adams, Bryan Schneider, Margaret E. Tahyar
Currently, the FDIC and NCUA—apart from a limited number of state credit unions—maintain a government-enforced...
TBTF and Economic Moral Hazard
R KemperI
Remarks made at the St. Louis Banking conference by R. Crosby Kemper III*My remarks are...
Regulatory Moral Hazard and Cross-Guarantee Contracts
Bert Ely
Remarks made at the St. Louis Banking Conference by Mr. Bert Ely *I want to...
The Myth of Systemic Risk
George Kaufman
Remarks made at the St. Louis Banking Conference by Professor George Kaufman*I am modifying my...