Retired, Winston & Strawn LLP
Jerry Loeser is of counsel in the Chicago office of Winston & Strawn, and his practice focuses on banking regulation. He has extensive experience in counseling financial services clients on, among other things, bank acquisitions, privacy, financial modernization, the USA PATRIOT Act, Basel II and III, lending limits, capital, trust, affiliate transactions, and Federal Reserve, OCC, FDIC, and CFPB regulations.
Prior to working at large corporate law firms, Jerry was chief regulatory and compliance counsel for Comerica Bank, where he also served as senior vice president and deputy general counsel and as general counsel of its retail bank division. Before that, he served as chief regulatory in-house counsel at Wells Fargo & Co. Jerry began his legal career advising the Board of Governors of the Federal Reserve System in Washington, D.C.
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.
Former CEO, Wells Fargo
Mr. Richard M. Kovacevich, also known as Dick, serves as Vice President at San Francisco Symphony. Mr. Kovacevich serves as the Chief Executive Officer at Hudson Executive Capital LP. He served as the Chief Executive Officer at Wells Fargo & Company from November 1998 to June 2007 and also served as its President from November 1998 to August 1, 2005. Mr. Kovacevich served as the Chief Executive Officer of Norwest Corp. from January 1993 to November 1998 and as its Chief Operating Officer since 1989. He joined Norwest in March 1986, as Vice Chairman, Chief Operating Officer and Head of Norwest Banking Group. Mr. Kovacevich served as the President of Norwest Corporation from January 1993 to January 1997. Prior to Norwest, he served as a Group Executive of the Policy Committee of CitiCorp. and Division General Manager at General Mills. Mr. Kovacevich served as the President of The Financial Services Roundtable and serves as its Co-Chairman of Commission to Enhance Competitiveness. He served as the Chairman of the Board at Wells Fargo Bank Minnesota, National Association. Mr. Kovacevich served as the Chairman of Wells Fargo Bank, National Association. He served as the Chairman of the Board of Wells Fargo & Company from August 2005 to December 30, 2009. Mr. Kovacevich served as the Chairman of Norwest Corp. from May 1995 to November 1998. He serves as Vice Chairman of the San Francisco Museum of Modern Art. Mr. Kovacevich served as the Vice Chairman of the American Bankers Council. He has been a Director of Norwest Corporation since 1986. He has been Director of Theranos, Inc. since May 12, 2016 and previously served as Director of Theranos, Inc. since July 29, 2013. He serves as an Independent Director of Cargill, Incorporated. Mr. Kovacevich serves as a Director of The Clearing House LLC. He served as a Director at Cisco Systems, Inc. since January 19, 2005 until November 19, 2013. Mr. Kovacevich served as a Director of Wells Fargo & Company from 1986 to December 30, 2009. He served as an Independent Director of Target Corp. from 1996 to December 31, 2010. Mr. Kovacevich serves as a Member of The Federal Reserve's Federal Advisory Council, California Business Roundtable and Governor Arnold Schwarzenegger's California Commission for Jobs and Economic Growth. He graduated from Stanford University where he earned his MBA and his Bachelors and Masters degrees in Industrial Engineering.
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.
Of Counsel, Covington & Burling LLP
The Honorable Paul J. Ray is currently Of Counsel at Covington & Burling LLP where he advises clients on regulatory opportunities and challenges and helps them formulate and execute advocacy strategies for their regulatory policy priorities before the executive branch and Congress.
During the first Trump Administration, Paul held various senior positions at the Office of Information and Regulatory Affairs (OIRA) within the White House’s Office of Management and Budget, including as acting, and then Senate-confirmed, head of the office. As OIRA Administrator (the "regulations czar"), Paul supervised the review of hundreds of regulations from across the government, drafted numerous executive orders governing the regulatory process, and led the Administration’s regulatory reform effort. As a result of this experience, Paul is well-positioned to help clients understand and achieve regulatory policy priorities in the context of the government’s regulatory agenda and ongoing reform efforts.
Most recently, Paul was also the Director of the Roe Institute for Economic Policy Studies at The Heritage Foundation. In that role, he supervised the formulation of the Foundation’s economic and regulatory policy recommendations and provided technical assistance to congressional committees and staff regarding legislative changes to the regulatory process. In addition to his role at The Heritage Foundation, Paul also served as a Senior Advisor at a strategic advisory firm. Before his time in government, Paul practiced law at a law firm in Washington, specializing in administrative law matters.
Prior to his role at the White House, Paul was Counselor to the Secretary at the U.S. Department of Labor. There he led departmental efforts in high-profile rulemakings and helped formulate the Department’s legal positions and strategy.
Paul served as a law clerk to Supreme Court Justice Samuel Alito and as a law clerk to the Honorable Debra Livingston of the U.S. Court of Appeals for the Second Circuit.
Paul is a thought leader in the conservative legal movement and is a frequent commentator and speaker on regulatory policy and reform matters, including at law schools, professional gatherings, and other venues. He is the Chairman of Innovations in Peacebuilding International and the Regulatory Process Working Group of the Federalist Society’s Regulatory Transparency Project and a public member of the Administrative Conference of the United States. Paul is also an adjunct lecturer at the Hillsdale College School of Government.
Howard Adler, Nome
Howard B. Adler is a retired partner at the international law firm Gibson, Dunn and Crutcher LLP. From 2019-21, he served as Deputy Assistant Secretary of the Treasury for the Financial Stability Oversight Council. He is the co-author of Surprised Again! The COVID Crisis and the New Market Bubble (2023).
Partner, O’Melveny & Myers
Brian P. Brooks is the Managing Partner of Valor Capital Group. He has served as CEO of the Bitfury Group and CEO of digital asset exchange and marketplace Binance.US.
Mr. Brooks became Acting Comptroller of the Currency upon the resignation of the 31st Comptroller of the Currency Joseph M. Otting as a result of his designation as First Deputy Comptroller by Treasury Secretary Steven T. Mnuchin pursuant to his authority under 12 USC § 4.
As Acting Comptroller of the Currency, Mr. Brooks was the administrator of the federal banking system and chief officer of the Office of the Comptroller of the Currency (OCC). The OCC supervises nearly 1,200 national banks, federal savings associations, and federal branches and agencies of foreign banks that conduct approximately 70% of all banking business in the United States. The mission of the OCC is to ensure that national banks and federal savings associations operate in a safe and sound manner, provide fair access to financial services, treat customers fairly, and comply with applicable laws and regulations.
The Comptroller also serves as a director of the Federal Deposit Insurance Corporation and a member of the Financial Stability Oversight Council and the Federal Financial Institutions Examination Council.
Prior to becoming Acting Comptroller, Mr. Brooks served as Senior Deputy Comptroller and Chief Operating Officer. In this role, he oversaw OCC bank supervision, bank supervision policy, economics, supervisory system and analytical support, systemic risk identification support and specialty supervision, and innovation. He also served as a member of the OCC's Executive Committee and was the Chair of the Technology and Systems Subcommittee, since joining the agency in April 2020.
Prior to joining the OCC, Mr. Brooks served as Chief Legal Officer of Coinbase Global, Inc., where he headed the legal, compliance, audit, investigations, and government relations functions for the company, which served 20 million customers. He held this position since September 2018.
From 2014-2018, Mr. Brooks served as Executive Vice President, General Counsel, and Corporate Secretary of the $3.2 trillion Fannie Mae. Prior to joining Fannie Mae, he served as a Vice Chairman of OneWest Bank, N.A., from 2011 to 2014. Prior to joining OneWest, he served managing partner of the Washington, D.C. office of the global law firm O'Melveny & Myers LLP, where he also served as chair of the firm's financial services practice group. Prior to joining the OCC, Mr. Brooks also served on the Boards of Directors of Avant, Inc. and Fannie Mae, and also served as an advisor to a number of technology startups.
Mr. Brooks holds a bachelor’s degree from Harvard University in government and a law degree from the University of Chicago.
Agnes Williams Sesquicentennial Professor of Financial Technology, Georgetown Law
Chris Brummer is the Agnes Williams Sesquicentennial Professor of Financial Technology at Georgetown University Law Center and the Faculty Director of Georgetown’s Institute of International Economic Law. As a professor, advisor, board member and advocate, Chris has lent his expertise to policymakers, founders, startups, and nonprofits around the world grappling with some of the most challenging puzzles facing innovation, regulation, and inclusion. His work has been featured in The New York Times, CNN, Marketwatch, Fast Company, The Wall Street Journal, Bloomberg, Yahoo Money, Roll Call, Cointelegraph, and Coin Desk, among others.
Chris’s public service and volunteer work extend across government. In addition to serving as a member of the Commodity Futures Trading Commission’s Subcommittee on Virtual Currencies and the Consultative Working Group for the European Securities and Markets Authority’s Financial Innovation Standing Committee, Chris has served as a member of the National Adjudicatory Council of FINRA. Most recently, he served as a member of the Biden-Harris Transition team, assisting in leading work streams relating to financial technology, racial equity and systemic risk for the Treasury ART. He is currently the Co-Chair of CNAS Task Force on FinTech, Crypto, and National Security.
A frequent speaker and lecturer, Chris was asked to deliver the keynote speech for the SEC’s Black History celebration in 2021, FinCEN’s Black History celebration in 2022, and the Office of the Comptroller of the Currency’s celebration in 2023.
Chris graduated summa cum laude from Washington University in St. Louis, holds a J.D. with honors from Columbia Law School and a Ph.D. from the University of Chicago. He is the author or editor of several books, including Cryptoassets: Legal, Regulatory and Monetary Perspectives and Fintech Law in a Nutshell.
Chris is the host of CQ Roll Call’s Fintech Beat podcast, and founder of Washington DC’s Fintech Week, an annual free event for the public.
Judge, United States Court of Appeals, Ninth Circuit
Patrick J. Bumatay was confirmed as a U.S. Circuit Judge for the U.S. Court of Appeals for the Ninth Circuit in December 2019. He is based in San Diego, California.
Prior to his appointment, Judge Bumatay served as an Assistant United States Attorney in the U.S. Attorney’s Office for the Southern District of California, where he was a member of the Appellate and Narcotics Sections. He also served as a Counselor to the Attorney General on criminal law issues, including on national opioid strategy and combating transnational organized crime. Judge Bumatay has also worked in the Office of the Deputy Attorney General, the Office of the Associate Attorney General, and the Office of Legal Policy at the U.S. Department of Justice. Judge Bumatay has twice received the Attorney General’s Distinguished Service Award.
Judge Bumatay previously worked as an associate at Morvillo, Abramowitz, Grand, Iason, and Bohrer in New York, New York. Judge Bumatay clerked for the Honorable Timothy M. Tymkovich of the U.S. Court of Appeals for the Tenth Circuit and the Honorable Sandra L. Townes of the U.S. District Court for the Eastern District of New York. Judge Bumatay earned his B.A., cum laude, from Yale University and his J.D. from Harvard Law School.
John J. Flynn Endowed Professor of Law, University of Utah S.J. Quinney College of Law
Christopher Peterson is the John J. Flynn Endowed Professor of Law at the University of Utah's S.J. Quinney College of Law. He previously served as a Special Advisor in the Office of the Director at the United States Consumer Financial Protection Bureau, as a Special Advisor in the Office of Legal Policy for Personnel and Readiness in the United States Department of Defense, and as Senior Counsel for Enforcement Policy and Strategy in the Consumer Financial Protection Bureau's Office of Enforcement. Professor Peterson has written dozens of scholarly articles and published three books on consumer finance. He has frequently testified in Congressional hearings and has presented his research to the Federal Deposit Insurance Corporation, the Federal Reserve Board of Governors, and at the White House in both Democratic and Republican administrations. He is a fellow of the American College of Consumer Financial Services Lawyers, the American Bar Association's Consumer Financial Services Committee, and serves on the community advisory board of the American Fintech Council. Professor Peterson is a recipient of the National Association of Consumer Agency Administrators’ Consumer Advocate of the Year award and the Pentagon’s Office of the Secretary of Defense Award for Excellence.
Partner, O’Melveny & Myers
Brian P. Brooks is the Managing Partner of Valor Capital Group. He has served as CEO of the Bitfury Group and CEO of digital asset exchange and marketplace Binance.US.
Mr. Brooks became Acting Comptroller of the Currency upon the resignation of the 31st Comptroller of the Currency Joseph M. Otting as a result of his designation as First Deputy Comptroller by Treasury Secretary Steven T. Mnuchin pursuant to his authority under 12 USC § 4.
As Acting Comptroller of the Currency, Mr. Brooks was the administrator of the federal banking system and chief officer of the Office of the Comptroller of the Currency (OCC). The OCC supervises nearly 1,200 national banks, federal savings associations, and federal branches and agencies of foreign banks that conduct approximately 70% of all banking business in the United States. The mission of the OCC is to ensure that national banks and federal savings associations operate in a safe and sound manner, provide fair access to financial services, treat customers fairly, and comply with applicable laws and regulations.
The Comptroller also serves as a director of the Federal Deposit Insurance Corporation and a member of the Financial Stability Oversight Council and the Federal Financial Institutions Examination Council.
Prior to becoming Acting Comptroller, Mr. Brooks served as Senior Deputy Comptroller and Chief Operating Officer. In this role, he oversaw OCC bank supervision, bank supervision policy, economics, supervisory system and analytical support, systemic risk identification support and specialty supervision, and innovation. He also served as a member of the OCC's Executive Committee and was the Chair of the Technology and Systems Subcommittee, since joining the agency in April 2020.
Prior to joining the OCC, Mr. Brooks served as Chief Legal Officer of Coinbase Global, Inc., where he headed the legal, compliance, audit, investigations, and government relations functions for the company, which served 20 million customers. He held this position since September 2018.
From 2014-2018, Mr. Brooks served as Executive Vice President, General Counsel, and Corporate Secretary of the $3.2 trillion Fannie Mae. Prior to joining Fannie Mae, he served as a Vice Chairman of OneWest Bank, N.A., from 2011 to 2014. Prior to joining OneWest, he served managing partner of the Washington, D.C. office of the global law firm O'Melveny & Myers LLP, where he also served as chair of the firm's financial services practice group. Prior to joining the OCC, Mr. Brooks also served on the Boards of Directors of Avant, Inc. and Fannie Mae, and also served as an advisor to a number of technology startups.
Mr. Brooks holds a bachelor’s degree from Harvard University in government and a law degree from the University of Chicago.
Agnes Williams Sesquicentennial Professor of Financial Technology, Georgetown Law
Chris Brummer is the Agnes Williams Sesquicentennial Professor of Financial Technology at Georgetown University Law Center and the Faculty Director of Georgetown’s Institute of International Economic Law. As a professor, advisor, board member and advocate, Chris has lent his expertise to policymakers, founders, startups, and nonprofits around the world grappling with some of the most challenging puzzles facing innovation, regulation, and inclusion. His work has been featured in The New York Times, CNN, Marketwatch, Fast Company, The Wall Street Journal, Bloomberg, Yahoo Money, Roll Call, Cointelegraph, and Coin Desk, among others.
Chris’s public service and volunteer work extend across government. In addition to serving as a member of the Commodity Futures Trading Commission’s Subcommittee on Virtual Currencies and the Consultative Working Group for the European Securities and Markets Authority’s Financial Innovation Standing Committee, Chris has served as a member of the National Adjudicatory Council of FINRA. Most recently, he served as a member of the Biden-Harris Transition team, assisting in leading work streams relating to financial technology, racial equity and systemic risk for the Treasury ART. He is currently the Co-Chair of CNAS Task Force on FinTech, Crypto, and National Security.
A frequent speaker and lecturer, Chris was asked to deliver the keynote speech for the SEC’s Black History celebration in 2021, FinCEN’s Black History celebration in 2022, and the Office of the Comptroller of the Currency’s celebration in 2023.
Chris graduated summa cum laude from Washington University in St. Louis, holds a J.D. with honors from Columbia Law School and a Ph.D. from the University of Chicago. He is the author or editor of several books, including Cryptoassets: Legal, Regulatory and Monetary Perspectives and Fintech Law in a Nutshell.
Chris is the host of CQ Roll Call’s Fintech Beat podcast, and founder of Washington DC’s Fintech Week, an annual free event for the public.
Judge, United States Court of Appeals, Ninth Circuit
Patrick J. Bumatay was confirmed as a U.S. Circuit Judge for the U.S. Court of Appeals for the Ninth Circuit in December 2019. He is based in San Diego, California.
Prior to his appointment, Judge Bumatay served as an Assistant United States Attorney in the U.S. Attorney’s Office for the Southern District of California, where he was a member of the Appellate and Narcotics Sections. He also served as a Counselor to the Attorney General on criminal law issues, including on national opioid strategy and combating transnational organized crime. Judge Bumatay has also worked in the Office of the Deputy Attorney General, the Office of the Associate Attorney General, and the Office of Legal Policy at the U.S. Department of Justice. Judge Bumatay has twice received the Attorney General’s Distinguished Service Award.
Judge Bumatay previously worked as an associate at Morvillo, Abramowitz, Grand, Iason, and Bohrer in New York, New York. Judge Bumatay clerked for the Honorable Timothy M. Tymkovich of the U.S. Court of Appeals for the Tenth Circuit and the Honorable Sandra L. Townes of the U.S. District Court for the Eastern District of New York. Judge Bumatay earned his B.A., cum laude, from Yale University and his J.D. from Harvard Law School.
John J. Flynn Endowed Professor of Law, University of Utah S.J. Quinney College of Law
Christopher Peterson is the John J. Flynn Endowed Professor of Law at the University of Utah's S.J. Quinney College of Law. He previously served as a Special Advisor in the Office of the Director at the United States Consumer Financial Protection Bureau, as a Special Advisor in the Office of Legal Policy for Personnel and Readiness in the United States Department of Defense, and as Senior Counsel for Enforcement Policy and Strategy in the Consumer Financial Protection Bureau's Office of Enforcement. Professor Peterson has written dozens of scholarly articles and published three books on consumer finance. He has frequently testified in Congressional hearings and has presented his research to the Federal Deposit Insurance Corporation, the Federal Reserve Board of Governors, and at the White House in both Democratic and Republican administrations. He is a fellow of the American College of Consumer Financial Services Lawyers, the American Bar Association's Consumer Financial Services Committee, and serves on the community advisory board of the American Fintech Council. Professor Peterson is a recipient of the National Association of Consumer Agency Administrators’ Consumer Advocate of the Year award and the Pentagon’s Office of the Secretary of Defense Award for Excellence.
Partner, Cravath, Swaine & Moore LLP
Jeffrey T. Dinwoodie is a member of the Financial Institutions Group at Cravath, Swaine & Moore LLP. Mr. Dinwoodie previously served as Chief Counsel to the Chairman of the Securities and Exchange Commission (SEC) and as Head of the Office of Financial Institutions at the U.S. Department of the Treasury.
Mr. Dinwoodie has broad experience advising financial institutions, companies and investors, as well as government officials, across multiple disciplines. His practice focuses on advising clients on financial regulation and compliance, enforcement and examinations, and M&A and other corporate transactions. Mr. Dinwoodie’s practice also covers policy and regulatory strategy matters. Mr. Dinwoodie’s clients include established institutions, emerging companies and entrepreneurs—and his work spans both traditional finance and innovation‑related and crypto asset issues.
Principal, Public Policy, Apollo Global Management, Inc.
Craig joined Apollo in 2022 as a Principal in Public Policy where he handles political and regulatory issues and advises portfolio companies on a range of public policy matters. Prior to joining Apollo, Craig held positions at the U.S. Department of the Treasury, including Deputy Chief of Staff to Secretary Janet Yellen and Principal Deputy Assistant Secretary in the Office of Legislative Affairs. Prior to joining Treasury, Craig served as Senior Counsel to U.S. Senator Mark Warner, advising the Senator on a range of economic policy issues, including financial services and tax related matters before the Senate Banking Committee and Senate Finance Committee. Craig holds a BA from Bucknell University and a JD from the University of Pittsburgh School of Law.
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