Senior Fellow and Director of Finance Policy, Competitive Enterprise Institute
John Berlau is a senior fellow and Director of Finance Policy at the Competitive Enterprise Institute. His work focuses on how public policy affects access to capital, entrepreneurship, and investments made by the public and business community alike. In recent years, he has studied the consequences of financial reform efforts passed by Congress like the Sarbanes-Oxley Act, the government’s response to the 2008 financial crisis including the Dodd-Frank Act, the placement of Fannie Mae and Freddie Mac into conservatorship, and the rise of cryptocurrency.
He is also the author of the book George Washington: Entrepreneur: How Our Founding Father’s Private Business Pursuits Changed America and the World. The book received rave reviews in the Wall Street Journal and other forums, and was endorsed by eminent historians and scholars such as Richard Brookhiser, Amity Shlaes, and Craig Shirley.
Berlau is a contributing writer for Forbes. His work has been published and cited in The Wall Street Journal, The New York Times, The Washington Post, Financial Times, Bloomberg News, The Atlantic, Politico, Daily Caller, Washington Examiner, Investor’s Business Daily, National Journal, National Review, American Spectator, Reason Magazine, and more. He is a frequent guest on radio and television programs, including CNBC’s “The Call,” “Power Lunch” and “Closing Bell,” Fox News’ “Fox & Friends” and “Your World with Neil Cavuto,” and Fox Business’ “Cavuto.”
He has testified on the impact of financial regulation before the House Committee on Financial Services and the House Committee on Energy and Commerce. A recognized expert on the phenomenon of crowdfunding, Berlau has spoken at prominent conferences such as South by Southwest Interactive in Austin, Money 20/20 in Las Vegas, the FinTech Global Expo in San Diego, the CFGE Crowdfund Banking and Lending Summit in San Francisco and the Crowdfund Intermediary Regulatory Advocates (CFIRA) Summit in Washington, D.C. He is also author of the widely cited paper “Declaration of Crowdfunding Independence: Finance of the People, by the People, and for the People.”
Berlau is an award-winning financial and political journalist. He served as Washington correspondent for Investor’s Business Daily and as a staff writer for Insight magazine, published by The Washington Times. In 2002, he received the Sandy Hume Memorial Award for Excellence in Political Journalism from Washington’s National Press Club. He was a media fellow at the Hoover Institution in 2003. He graduated from the University of Missouri-Columbia in 1994 with degrees in journalism and economics.
Principal Attorney, Jossey PLLC
Paul H. Jossey is principal attorney at Jossey PLLC. He has practiced law for six years representing clients in both state and federal court in Florida, Georgia, Virginia, and Washington, DC.
His wide-ranging practice has included everything from simple contract disputes to First Amendment litigation to international terrorism. Paul has specialized in campaign finance and election law for the past three years. He has now expanded into business startup and capitalization focusing on the crowdfunding provisions of Title III of the JOBS Act of 2012, whose regulations went live on May 16, 2016.
In addition to managing his own firm, Paul is an Adjunct Fellow at the Center for Competitive Politics where he researches and writes commentary about campaign finance issues. His work has been published in the New York Post, The Hill, The Federalist, The Daily Caller among others.
Prior to starting his own firm, he worked for law firms in Washington, DC and Alexandria, Virginia. After graduating law school he litigated cases for a nonprofit in Atlanta, Georgia.
He is licensed to practice in Georgia, Virginia, and Washington, DC. He holds a Juris Doctor from Case Western Reserve University School of Law and a Bachelor of Science from the University of Southern Mississippi.
Research Fellow, Harvard Kennedy School
Timothy Massad is currently a Research Fellow at the Kennedy School of Government at Harvard University, an Adjunct Professor of Law at Georgetown Law School and a consultant on financial regulatory and fintech issues.
Mr. Massad served as Chairman of the U.S. Commodity Futures Trading Commission from 2014-2017. Under his leadership, the agency implemented the Dodd Frank reforms of the over-the-counter swaps market and harmonized many aspects of cross-border regulation, including reaching a landmark agreement with the European Union on clearinghouse oversight. The agency also declared virtual currencies to be commodities, introduced reforms to address automated trading and strengthened cybersecurity protections.
Previously, Mr. Massad served as the Assistant Secretary for Financial Stability of the U.S. Department of the Treasury. In that capacity, he oversaw the Troubled Asset Relief Program (TARP), the principal U.S. governmental response to the 2008 financial crisis. During his tenure, Treasury recovered more on all the crisis investments than was disbursed. Mr. Massad was with the Treasury from 2009 to 2014 and also served as a counselor to the Treasury Secretary.
Prior to his government service, Mr. Massad was a partner in the law firm of Cravath, Swaine & Moore, LLP. His practice included corporate finance, derivatives and advising boards of directors. He managed the firm’s Hong Kong office from 1998 to 2002 and represented governments and corporations on transactions throughout Asia. Mr. Massad was also one of a small group of lawyers who drafted the original ISDA standard agreements for swaps.
Senior Fellow and Director of Finance Policy, Competitive Enterprise Institute
John Berlau is a senior fellow and Director of Finance Policy at the Competitive Enterprise Institute. His work focuses on how public policy affects access to capital, entrepreneurship, and investments made by the public and business community alike. In recent years, he has studied the consequences of financial reform efforts passed by Congress like the Sarbanes-Oxley Act, the government’s response to the 2008 financial crisis including the Dodd-Frank Act, the placement of Fannie Mae and Freddie Mac into conservatorship, and the rise of cryptocurrency.
He is also the author of the book George Washington: Entrepreneur: How Our Founding Father’s Private Business Pursuits Changed America and the World. The book received rave reviews in the Wall Street Journal and other forums, and was endorsed by eminent historians and scholars such as Richard Brookhiser, Amity Shlaes, and Craig Shirley.
Berlau is a contributing writer for Forbes. His work has been published and cited in The Wall Street Journal, The New York Times, The Washington Post, Financial Times, Bloomberg News, The Atlantic, Politico, Daily Caller, Washington Examiner, Investor’s Business Daily, National Journal, National Review, American Spectator, Reason Magazine, and more. He is a frequent guest on radio and television programs, including CNBC’s “The Call,” “Power Lunch” and “Closing Bell,” Fox News’ “Fox & Friends” and “Your World with Neil Cavuto,” and Fox Business’ “Cavuto.”
He has testified on the impact of financial regulation before the House Committee on Financial Services and the House Committee on Energy and Commerce. A recognized expert on the phenomenon of crowdfunding, Berlau has spoken at prominent conferences such as South by Southwest Interactive in Austin, Money 20/20 in Las Vegas, the FinTech Global Expo in San Diego, the CFGE Crowdfund Banking and Lending Summit in San Francisco and the Crowdfund Intermediary Regulatory Advocates (CFIRA) Summit in Washington, D.C. He is also author of the widely cited paper “Declaration of Crowdfunding Independence: Finance of the People, by the People, and for the People.”
Berlau is an award-winning financial and political journalist. He served as Washington correspondent for Investor’s Business Daily and as a staff writer for Insight magazine, published by The Washington Times. In 2002, he received the Sandy Hume Memorial Award for Excellence in Political Journalism from Washington’s National Press Club. He was a media fellow at the Hoover Institution in 2003. He graduated from the University of Missouri-Columbia in 1994 with degrees in journalism and economics.
Principal Attorney, Jossey PLLC
Paul H. Jossey is principal attorney at Jossey PLLC. He has practiced law for six years representing clients in both state and federal court in Florida, Georgia, Virginia, and Washington, DC.
His wide-ranging practice has included everything from simple contract disputes to First Amendment litigation to international terrorism. Paul has specialized in campaign finance and election law for the past three years. He has now expanded into business startup and capitalization focusing on the crowdfunding provisions of Title III of the JOBS Act of 2012, whose regulations went live on May 16, 2016.
In addition to managing his own firm, Paul is an Adjunct Fellow at the Center for Competitive Politics where he researches and writes commentary about campaign finance issues. His work has been published in the New York Post, The Hill, The Federalist, The Daily Caller among others.
Prior to starting his own firm, he worked for law firms in Washington, DC and Alexandria, Virginia. After graduating law school he litigated cases for a nonprofit in Atlanta, Georgia.
He is licensed to practice in Georgia, Virginia, and Washington, DC. He holds a Juris Doctor from Case Western Reserve University School of Law and a Bachelor of Science from the University of Southern Mississippi.
Research Fellow, Harvard Kennedy School
Timothy Massad is currently a Research Fellow at the Kennedy School of Government at Harvard University, an Adjunct Professor of Law at Georgetown Law School and a consultant on financial regulatory and fintech issues.
Mr. Massad served as Chairman of the U.S. Commodity Futures Trading Commission from 2014-2017. Under his leadership, the agency implemented the Dodd Frank reforms of the over-the-counter swaps market and harmonized many aspects of cross-border regulation, including reaching a landmark agreement with the European Union on clearinghouse oversight. The agency also declared virtual currencies to be commodities, introduced reforms to address automated trading and strengthened cybersecurity protections.
Previously, Mr. Massad served as the Assistant Secretary for Financial Stability of the U.S. Department of the Treasury. In that capacity, he oversaw the Troubled Asset Relief Program (TARP), the principal U.S. governmental response to the 2008 financial crisis. During his tenure, Treasury recovered more on all the crisis investments than was disbursed. Mr. Massad was with the Treasury from 2009 to 2014 and also served as a counselor to the Treasury Secretary.
Prior to his government service, Mr. Massad was a partner in the law firm of Cravath, Swaine & Moore, LLP. His practice included corporate finance, derivatives and advising boards of directors. He managed the firm’s Hong Kong office from 1998 to 2002 and represented governments and corporations on transactions throughout Asia. Mr. Massad was also one of a small group of lawyers who drafted the original ISDA standard agreements for swaps.
United States Senator, Texas
Ted Cruz represents 28 million Texans in the U.S. Senate as a passionate fighter for limited government and economic growth. He has authored 39 legislative measures signed into law. Recent victories include expanding 529 college savings accounts to allow parents to save for K–12 public, private, and religious education, leading the effort to repeal Obamacare’s individual mandate, imposing sanctions on terrorists who use civilians as human shields, designating North Korea as a state sponsor of terrorism, reauthorizing and reforming NASA, ensuring the availability of additional records to help solve civil rights cold cases, supporting thousands of Texas jobs, and leading the fight to confirm principled constitutionalists to our courts.
Senator Cruz is a graduate of Princeton University and Harvard Law School, a former law clerk to Chief Justice William Rehnquist, and former solicitor general of Texas. He has argued nine cases before the Supreme Court. In November of 2018, he was re-elected to the Senate by the people of Texas.
Senior Legal Fellow, The Future of Free Speech, Vanderbilt University
Ashkhen Kazaryan is a renowned expert in First Amendment law and technology policy, specializing in digital free speech, artificial intelligence, and the intersection of constitutional rights with emerging technologies. As a Senior Legal Fellow at the Future of Free Speech at Vanderbilt University, she leads initiatives to protect free expression and shape policies that uphold the First Amendment in the digital age.
Previously, Ashkhen was the lead for North and Latin America on the content regulation team at Meta, where she also served as the company’s policy lead on Section 230. She has also been a Senior Fellow at Stand Together and the Director of Civil Liberties at TechFreedom, where she worked extensively on platform liability, free speech, and internet governance. She is currently Fellow for the First Amendment at the Freedom Forum.
Ashkhen earned her specialist in law degree summa cum laude from Lomonosov Moscow State University in 2012 and later received a master of law degree from Yale Law School in 2016. During her time at Yale, she contributed as an articles editor for the Yale Journal of Law and Feminism, a senior editor for the Yale Law and Policy Review, and an editor for the Yale Journal of Law and Technology, while also serving as co-chair of the Public Interest Fellowship.
Senior Director of Policy, Conservative Partnership Institute
Rachel Bovard has over a decade of experience fighting for conservative policies in Washington. Beginning in 2006, she served in both the House and Senate in various roles including as legislative director for Senator Rand Paul.
Rachel went on to serve as policy director for the Senate Steering Committee under the successive chairmanships of Senator Pat Toomey (R-PA) and Senator Mike Lee (R-UT), where she advised Committee members on strategy related to floor procedure and policy matters. In the House, she worked as senior legislative assistant to Congressman Donald Manzullo (R-IL), and Congressman Ted Poe (R-TX). She also served as director of policy services for The Heritage Foundation.
Born and raised in Dansville, NY, she received her bachelor’s degree, summa cum laude from Grove City College in 2006. She also holds a master’s degree from the Graduate School of Political Management at George Washington University.
Assistant Professor of Cybersecurity Law, The United States Naval Academy
Jeff Kosseff is an Assistant Professor of Cybersecurity Law at the United States Naval Academy. He is the author of Cybersecurity Law (Wiley), the first comprehensive textbook on U.S. cybersecurity laws and regulations, and in spring 2019 he published The Twenty-Six Words that Created the Internet (Cornell University Press), a nonfiction narrative history of Section 230 of the Communications Decency Act. He currently is writing a third book, also for Cornell University Press, tentatively titled United States of Anonymous, about the history of the First Amendment right to anonymous speech in the United States, from the Federalist Papers to online postings. He received a 2019 Andrew Carnegie Fellowship to research and write the book.
His articles about cybersecurity and Internet law have appeared in Iowa Law Review, Wake Forest Law Review, IEEE Security & Privacy, Computer Law and Security Review, Columbia Science and Technology Law Review, and other publications. In October 2017, he testified about online sex trafficking and Section 230 before the House Judiciary Committee's Subcommittee on Crime, Terrorism, Homeland Security, and Investigations. In March 2017, he testified about Section 702 of the Foreign Intelligence Surveillance Act before the House Judiciary Committee.
Jeff has practiced cybersecurity and privacy law, and clerked for Judge Milan D. Smith, Jr. of the U.S. Court of Appeals for the Ninth Circuit and for Judge Leonie M. Brinkema of the U.S. District Court for the Eastern District of Virginia. He is a graduate of Georgetown University Law Center and the University of Michigan. Before becoming a lawyer, he was a journalist for The Oregonian and was a finalist for the Pulitzer Prize for national reporting.
Former Representative, United States House of Representatives, California
Chris Cox serves on the boards of privately held companies in the health care, real estate, regulatory compliance, and technology industries. In 2020 he retired as president of Morgan Lewis Consulting LLC and as partner at the international law firm of Morgan, Lewis & Bockius LLP. His 21-year career in private legal practice also included partnerships at Latham & Watkins LLP and Bingham McCutchen LLP.
During a 23-year Washington career, Chris was a White House counsel to President Ronald Reagan, chairman of the US Securities and Exchange Commission, chairman of the Homeland Security Committee in the US House of Representatives, and the fifth-ranking elected leader in the House. Prior to his Washington service he was a member of the faculty at Harvard Business School.
Chris has recently been recognized by Thomson Reuters as a 2019 "Super Lawyer," by Los Angeles Magazine as one of the "Top Attorneys in Southern California," and by The Best Lawyers in America in the areas of Corporate Governance and Corporate Law, as well as being named Orange County "Corporate Lawyer of the Year" for 2016 and "Corporate Governance Lawyer of the Year" for 2014. He has led numerous corporate governance programs and from 2011 - 2015 served as Chairman of the Forum for Corporate Directors.
In Congress, in addition to his role as chairman of the Committee on Homeland Security, Chris was chairman of the Select Committee on US National Security and a senior member of the Energy and Commerce Committee and the Financial Services Committee. For 10 years he served as chairman of the House Policy Committee. In each of these capacities he was responsible for significant legislation, including the Internet Tax Freedom Act, the Securities Litigation Reform Act, and the Support for Eastern European Democracy Act.
Senior Fellow and Director of Finance Policy, Competitive Enterprise Institute
John Berlau is a senior fellow and Director of Finance Policy at the Competitive Enterprise Institute. His work focuses on how public policy affects access to capital, entrepreneurship, and investments made by the public and business community alike. In recent years, he has studied the consequences of financial reform efforts passed by Congress like the Sarbanes-Oxley Act, the government’s response to the 2008 financial crisis including the Dodd-Frank Act, the placement of Fannie Mae and Freddie Mac into conservatorship, and the rise of cryptocurrency.
He is also the author of the book George Washington: Entrepreneur: How Our Founding Father’s Private Business Pursuits Changed America and the World. The book received rave reviews in the Wall Street Journal and other forums, and was endorsed by eminent historians and scholars such as Richard Brookhiser, Amity Shlaes, and Craig Shirley.
Berlau is a contributing writer for Forbes. His work has been published and cited in The Wall Street Journal, The New York Times, The Washington Post, Financial Times, Bloomberg News, The Atlantic, Politico, Daily Caller, Washington Examiner, Investor’s Business Daily, National Journal, National Review, American Spectator, Reason Magazine, and more. He is a frequent guest on radio and television programs, including CNBC’s “The Call,” “Power Lunch” and “Closing Bell,” Fox News’ “Fox & Friends” and “Your World with Neil Cavuto,” and Fox Business’ “Cavuto.”
He has testified on the impact of financial regulation before the House Committee on Financial Services and the House Committee on Energy and Commerce. A recognized expert on the phenomenon of crowdfunding, Berlau has spoken at prominent conferences such as South by Southwest Interactive in Austin, Money 20/20 in Las Vegas, the FinTech Global Expo in San Diego, the CFGE Crowdfund Banking and Lending Summit in San Francisco and the Crowdfund Intermediary Regulatory Advocates (CFIRA) Summit in Washington, D.C. He is also author of the widely cited paper “Declaration of Crowdfunding Independence: Finance of the People, by the People, and for the People.”
Berlau is an award-winning financial and political journalist. He served as Washington correspondent for Investor’s Business Daily and as a staff writer for Insight magazine, published by The Washington Times. In 2002, he received the Sandy Hume Memorial Award for Excellence in Political Journalism from Washington’s National Press Club. He was a media fellow at the Hoover Institution in 2003. He graduated from the University of Missouri-Columbia in 1994 with degrees in journalism and economics.
Principal Attorney, Jossey PLLC
Paul H. Jossey is principal attorney at Jossey PLLC. He has practiced law for six years representing clients in both state and federal court in Florida, Georgia, Virginia, and Washington, DC.
His wide-ranging practice has included everything from simple contract disputes to First Amendment litigation to international terrorism. Paul has specialized in campaign finance and election law for the past three years. He has now expanded into business startup and capitalization focusing on the crowdfunding provisions of Title III of the JOBS Act of 2012, whose regulations went live on May 16, 2016.
In addition to managing his own firm, Paul is an Adjunct Fellow at the Center for Competitive Politics where he researches and writes commentary about campaign finance issues. His work has been published in the New York Post, The Hill, The Federalist, The Daily Caller among others.
Prior to starting his own firm, he worked for law firms in Washington, DC and Alexandria, Virginia. After graduating law school he litigated cases for a nonprofit in Atlanta, Georgia.
He is licensed to practice in Georgia, Virginia, and Washington, DC. He holds a Juris Doctor from Case Western Reserve University School of Law and a Bachelor of Science from the University of Southern Mississippi.
Research Fellow, Harvard Kennedy School
Timothy Massad is currently a Research Fellow at the Kennedy School of Government at Harvard University, an Adjunct Professor of Law at Georgetown Law School and a consultant on financial regulatory and fintech issues.
Mr. Massad served as Chairman of the U.S. Commodity Futures Trading Commission from 2014-2017. Under his leadership, the agency implemented the Dodd Frank reforms of the over-the-counter swaps market and harmonized many aspects of cross-border regulation, including reaching a landmark agreement with the European Union on clearinghouse oversight. The agency also declared virtual currencies to be commodities, introduced reforms to address automated trading and strengthened cybersecurity protections.
Previously, Mr. Massad served as the Assistant Secretary for Financial Stability of the U.S. Department of the Treasury. In that capacity, he oversaw the Troubled Asset Relief Program (TARP), the principal U.S. governmental response to the 2008 financial crisis. During his tenure, Treasury recovered more on all the crisis investments than was disbursed. Mr. Massad was with the Treasury from 2009 to 2014 and also served as a counselor to the Treasury Secretary.
Prior to his government service, Mr. Massad was a partner in the law firm of Cravath, Swaine & Moore, LLP. His practice included corporate finance, derivatives and advising boards of directors. He managed the firm’s Hong Kong office from 1998 to 2002 and represented governments and corporations on transactions throughout Asia. Mr. Massad was also one of a small group of lawyers who drafted the original ISDA standard agreements for swaps.
Syndicated Columnist
New York political commentor Deroy Murdock is a Fox News Contributor, a Contributing Editor with National Review Online, an emeritus Media Fellow with the Hoover Institution on War, Revolution and Peace at Stanford University; and a Senior Fellow with the Atlas Network, which supports and connects some 500 free-market think tanks in the USA and some 95 countries world-wide. Mr. Murdock’s weekly column — “This Opinion Just In…” — appears in the New York Post, the Washington Times, the New Hampshire Union-Leader, and other newspapers across America. He has appeared on radio shows across America and presents commentaries on Fox News Radio’s podcast, The Rundown. He is a veteran of the 1980 and 1984 Reagan for President campaigns and Steve Forbes’ 2000 White House bid.
As a popular public speaker, he has lectured or debated at the Cato Institute, the Council on Foreign Relations; Harvard Medical School, the Heritage Foundation; the National Academy of Sciences; Dartmouth, Stanford, and Tulane universities; and various fora, from Bogotá to Buenos Aires to Budapest. He is a native of Los Angeles, a graduate of Georgetown University, and a resident of Manhattan, where he earned an MBA from New York University. His program included a semester of study at the Chinese University of Hong Kong.
Deroy Murdock hopes that someday the free society will bring him — and every American — more leisure time to experience fine dining, motion pictures, skiing, live music, and the priceless joys of family, friends, and loved ones.
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