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TitreDateDurée
Preparing for 2025 Compliance Challenges and Regulatory Changes31 Jan 202500:22:50

In this episode, I sit down with industry experts Doreen Ghusar, a governance & regulatory advisor with 20+ years experience at leading lenders, and Chris Hilliard, a seasoned compliance professional with 20+ years experience at major financial institutions and lenders, to talk about expectations for compliance in 2025 and best practices to mitigate risk.

We discuss:

  • The importance of proactively tracking and reviewing supervisory highlights, guidances, circulars and enforcement actions
  • Leveraging compliance tools and alerts to remain informed about regulatory updates and risks
  • Investing in compliance resources early to avoid greater costs in the future
  • Anticipating changes in 2025, including new regulations for AI and digital innovation


Show Notes:

Compliance Expert Interview with Courtney Schwoebel17 Jan 202500:21:29

The Expert Interview Series is a segment of the COMPLY Podcast where we shine a spotlight on the industry leaders who are truly making a difference in the marketing compliance landscape. These boots-on-the-ground professionals work tirelessly to protect consumers while navigating the complex regulatory environment.

We’ll chat with these compliance experts as they share their real-world experiences, expertise, and practical insights. By hearing from those who are actively engaged in compliance, you'll gain valuable perspectives and actionable strategies to apply in your own work.

In this episode, I sat down with compliance veteran, Courtney Schwoebel, where we discussed how her humble beginnings in fraud and banking gave her the skills needed to build out robust Compliance Management Systems.

Listen in as we discuss:

  • How working in operations gave her the skills she needed to become an effective compliance subject matter expert
  • Her love of protecting consumers and ensuring brand protection
  • The importance of connecting with other compliance professionals to share best practices
  • Her thoughts about compliance in 2025 and her “superpower”!

Show Notes

Expert Insights on UDAAP and Deceptive Advertising Pt. 212 Jul 202400:29:34

This COMPLY Podcast episode is part 2 of a discussion between John Zanzarella, PerformLine’s SVP of Sales, Jonathan Pompan, Partner at Venable LLP, and Brian Serafin, Counsel at Weiner Brodsky Kider, as they take a deep dive into recent regulatory activity around UDAAP and deceptive advertising and best practices for getting ahead of risk.

They discuss:

  • Problematic terms in marketing materials, such as “instant,” “free,” and “affordable”
  • The FDIC’s updated advertising rule and how it impacts both banks and non-banks
  • Best practices for ensuring transparent communication in marketing


Show Notes:

Expert Insights on UDAAP and Deceptive Advertising Pt. 128 Jun 202400:35:16

This COMPLY Podcast episode is part 1 of a discussion between John Zanzarella, PerformLine’s SVP of Sales, Jonathan Pompan, Partner at Venable LLP, and Brian Serafin, Counsel at Weiner Brodsky Kider, as they take a deep dive into recent regulatory activity around UDAAP and deceptive advertising and best practices for getting ahead of risk.

They discuss:

  • Recent activity from the CFPB and FTC around UDAAP and deceptive advertising
  • Expectations for the impact of the Supreme Court’s ruling to uphold the CFPB’s constitutionality
  • Why product, marketing, and compliance teams need to collaborate for success

Show Notes:

Mortgage Compliance Roundtable Rundown and Takeaways Q2 202431 May 202400:25:26

In this episode of the COMPLY Podcast, I sit down with my co-host Rhonda McGill to discuss the latest trends and challenges shaping the mortgage compliance landscape, drawing from our most recent mortgage industry roundtable with compliance leaders.

We’ll cover:

  • State licensing disclosures in marketing and advertising materials
  • Compliance considerations for QR codes that point consumers to loan information or to directly apply
  • The frequency and intensity of regulatory examinations
  • How companies adapting their business practices to stay compliant and competitive
  • How the Supreme Court’s ruling on the CFPB’s constitutionality could affect compliance practices within the mortgage industry

Show Notes:

Strengthening Bank-Fintech Partnerships with Compliance03 May 202400:35:54

2023 was a year of increased regulatory scrutiny for bank-fintech partnerships. This, coupled with a challenging macroeconomic environment and an election year, means there’s a lot on the horizon for the compliance space for the industry in 2024.

In this podcast, we’re joined by industry experts Elizabeth Gorz, Chief Strategy Officer & Head of Legislative Affairs at American Fintech Council, and Ed Greene, BSA Officer at Middlesex Federal Savings, to discuss:

  • How banks can establish and maintain compliance over their fintech program after a challenging year of budget cuts and being asked to do more with less
  • Best practices for fintechs to better prepare themselves for a cohesive and compliant partnership with banks
  • How banks can ensure accurate communication to consumers when that communication comes from fintechs and their partners

Show Notes:

A Look Back as the COMPLY Podcast Turns Two19 Apr 202400:11:16

COMPLY is turning 2! To celebrate, we have pulled together a compilation of some of our favorite moments from the last couple of years so that we could highlight some of the many great speakers that we have had on the show.

In today’s podcast, our guests will share their insights on the following:

  • How taking a look at past enforcement actions can help you shore up your compliance program.
  • What the growth of the CFPB means for future enforcements.
  • Why training and ongoing discussions with your team matter when building a culture of compliance.
  • The importance of organizations proactively taking extra steps to protect consumers.
  • The importance of having an automated RegTech solution in place to ensure both compliance and brand protection.

Show Notes

BaaS Partnerships and Fintech Meetup Insights15 Mar 202400:30:50

Fintech Meetup provides an opportunity for the fintech industry to connect and collaborate to shape the future of fintech. PerformLine and FS Vector were both in attendance and had a birds-eye view of this event and were able to glean some great takeaways for us to share with our listeners.

In today’s COMPLY Podcast episode, I am joined by Ethan Singleton, Principal at FS Vector, and Alex Morris, Sr. Account Executive at PerformLine, where we will chat about:

  • BaaS partnerships—is there light at the end of the tunnel?
  • The growing fintech community and the blooming collaborations
  • Compliance still matters!
  • Regulators support innovation while warning about consumer protection

Show Notes:

Sneak Peek of the 2024 State of Marketing Compliance Report01 Mar 202400:14:02

Each year, PerformLine conducts a survey of marketing compliance professionals throughout the consumer finance industry to provide insights into the current state of marketing compliance in various organizations, their challenges, and future expectations. It aims to help organizations benchmark their compliance practices and identify areas for improvement.

In this sneak peek, we discuss:

  • Key data points and takeaways from the report
  • The most consistent and inconsistent data points year over year
  • Insights on how marketing and compliance teams are collaborating


Show Notes:

Building, Evolving, and Automating Fintech Marketing Compliance16 Feb 202400:27:43

There has been a shift in how regulators are approaching regulation of BaaS and FinTech’s.  As enforcement actions continue to increase, having a well prepared compliance program in place is important now more than ever.

In today’s COMPLY Podcast episode, I am joined by Ethan Singleton, Principal at FS Vector where we will chat about:

  • Regulation in a new age of fintechs
  • How banks and fintechs can apply what they have learned from regulatory actions
  • How to know when the time is right to get out of spreadsheets and into a technology solution
  • The cost of not having a monitoring process in place (and it's not just monetary)

Show Notes:

Beyond the Booths: Marketing Compliance Conference Insights02 Feb 202400:21:19

In today's dynamic compliance landscape, marketing compliance remains an overlooked realm within banks and fintechs. The potential solution? Increased collaboration and representation at industry conferences, along with more fintech participation.

In this COMPLY Podcast episode, I'm joined by Alex Morris, Senior Account Executive at PerformLine, where we chat about:

  • The need for more marketing compliance resources and content at consumer finance industry conferences
  • Challenges faced by compliance teams who need to do more with less
  • The crucial role technology plays in scaling consumer finance offerings
  • Heightened enforcement actions and higher standards in marketing compliance education in 2024

Show Notes:

Recent CFPB Rulemaking Activity & Looking Ahead for 202419 Jan 202400:26:45

2024 is already shaping up to be an unprecedented year that will continue to be filled with regulatory and compliance pressures including increased rulemaking, examinations and enforcement. As we enter what is sure to be yet another busy year in the regulatory space, regulators are gearing up to ensure that consumer protection continues to be the focus of their ever-growing agenda.

Today's episode is part 2 of a discussion featuring CFPB alumni Gary Stein and Melissa Baal Guidorizzi, where they discuss:

  • Recent CFPB Rulemaking Activity
  • Steps you can take now to get ahead of regulatory scrutiny
  • Looking ahead at rulemaking for 2024
  • Will the upcoming election impact operations at the CFPB?

Show Notes

Compliance Expert Interview with Colin Darke03 Jan 202500:30:26

Description

The Expert Interview Series is a segment of the COMPLY Podcast where we shine a spotlight on the industry leaders who are truly making a difference in the marketing compliance landscape. These boots-on-the-ground professionals work tirelessly to protect consumers while navigating the complex regulatory environment.

We’ll chat with these compliance experts as they share their real-world experiences, expertise, and practical insights. By hearing from those who are actively engaged in compliance, you'll gain valuable perspectives and actionable strategies to apply in your own work.

In this episode, I sat down with Colin Darke, CEO of CompliSun, where we talked about how his career journey took him from practicing law to serving as General Counsel and Chief Compliance Officer of Rocket Loans to becoming Founder and CEO of CompliSun, which is an AI-enhanced compliance management system.

Discussion topics include:

  • The importance of compliance and legal working together to build out organized systems so that they can tell their compliance story.
  • Why tech resources for compliance should be a priority and not a reactive response to a problem.
  • Preventing credibility issues with regulators by proactively building strong compliance programs that are not dependent on the knowledge of only a handful of individuals.
  • Colin shares his predictions for Fintech and compliance in 2025 and reveals his amazing "superpower"!

Show Notes

CFPB Complaints, Enforcements, & Navigating New Compliance Challenges05 Jan 202400:26:37

Facing another record-breaking year of consumer complaints in 2023, the consumer finance industry faces a pivotal crossroads. This surge, along with intensified rulemaking and enforcement activities from the CFPB, signals unprecedented regulatory and compliance pressures.

Today's episode is part one of a discussion featuring CFPB alumni Gary Stein and Melissa Baal Guidorizzi, where they discuss:

  • Consumer complaint trends in 2023 and factors that led to the record volume
  • Leveraging consumer complaint data for internal compliance processes
  • Recent enforcement action numbers and the impact they have for the CFPB
  • How CCOs can navigate new challenges in 2024

Show Notes:

Banking on Efficiency: Unveiling the Future of Compliance and Risk with Industry Experts15 Dec 202300:16:49

If you missed our session at Money20/20 this year on The New Era of Banking Efficiencies, you’re in luck. Today’s episode is the second part of that discussion featuring PerformLine’s CEO and Founder Alex Baydin, Harsha Ragunath, Head of Product Compliance at Stripe, and Babette Reynolds, Head of the Enterprise Compliance Program Office at Truist.

During today’s episode, they discuss:

  • The prevailing industry theme of prioritizing efficient and profitable growth over growth at any cost, and the crucial role technology plays in achieving more with less.
  • The significance of leveraging advanced technology, such as PerformLine, to enhance the efficiency of compliance teams, and how this strategic use of technology facilitates the transition of top performers from task-oriented roles to thought leaders within the organization.
  • And finally, the discussion ends with the guests sharing their predictions regarding the future of technology in the compliance and risk sector.

Show Notes:

Risk Management and Fintech Collaboration: Lessons from Stripe and Truist01 Dec 202300:21:41

If you missed our session at Money20/20 this year on The New Era of Banking Efficiencies, you’re in luck. Today’s episode is the first part of that discussion featuring PerformLine’s CEO and Founder Alex Baydin, Harsha Ragunath, Head of Product Compliance at Stripe, and Babette Reynolds, Head of the Enterprise Compliance Program Office at Truist.

During today’s episode, they discuss:

  • The role of fintechs in compliance & collaboration, and how Stripe's compliance team collaborates cross-functionally to ensure compliance in product design and development; and acts as a communication bridge to facilitate discussions between fintech features and partner banks' compliance.
  • The current transformation that Truist, and many other large banks, are undergoing right now to automate a lot of the risk and compliance functions, especially as they pertain to their fintech partnerships.
  • And finally, the group speaks to the issued guidance earlier this year from the Fed, FDIC, and the OCC, which noted that banks are accountable for the risk management of third-party providers and how both fintechs and partner banks can go about vetting potential partners to align on compliance requirements.

Show Notes:

Enforcement Expectations and Marketing Compliance Best Practices17 Nov 202300:17:27

This COMPLY Podcast episode is part three of a discussion between Rhonda McGill, PerformLine's Senior Director of Client Success, and Kimberly Monty Holzel and Courtney Hayden from Goodwin as they take a deep dive into recent marketing compliance enforcement actions and share their advice for getting ahead of regulatory scrutiny.

Listen as they discuss:

  • Why public CFPB enforcement actions are down in recent years
  • Enforcement action expectations on both the federal and state level for the rest of 2023 + 2024
  • Marketing compliance best practices and takeaways


Show Notes:

Dark Patterns, Enforcements, and Best Practices for Compliance03 Nov 202300:20:08

This COMPLY Podcast episode is part 2 of a discussion between Rhonda McGill, PerformLine's Senior Director of Client Success, and Kimberly Monty Holzel and Courtney Hayden from Goodwin as they take a deep dive into recent marketing compliance enforcement actions and share their advice for getting ahead of regulatory scrutiny. Listen as they discuss:

  • What dark patterns are and some examples
  • A notable enforcement action against a large organization for engaging in dark patterns
  • Tips for avoiding dark pattern compliance issues

Show Notes

Fair Lending and FDIC Insurance Enforcement Trends20 Oct 202300:23:22

This COMPLY Podcast episode is part one of a discussion between Rhonda McGill, PerformLine's Senior Director of Client Success, and Kimberly Monty Holzel and Courtney Hayden from Goodwin, as they take a deep dive into recent marketing compliance enforcement actions and share their advice for getting ahead of regulatory scrutiny.

Listen as they discuss several enforcement actions and trends, including:

  • Fair lending and redlining in mortgage and beyond
  • FDIC misrepresentation by fintechs

Show Notes:



Navigating BaaS Partnerships: Regulatory Insights with Christina Tetreault of the California DFPI06 Oct 202300:13:22

This week I sat down with a special guest, Christina Tetreault, with the California DFPI, to discuss: 

  • How partnerships between traditional banks and BaaS providers benefit both parties
  • The measures these institutions can take to ensure they meet regulatory requirements when offering banking services through a third-party provider
  • And how the California DFPI is taking a proactive approach focused on understanding your business to address potential challenges in the financial sector

Show Notes: 

[Sneak Peek] 2023 CFPB Consumer Complaint Trends & Insights22 Sep 202300:17:50

This week, I sat down with our Content Marketing Manager here at PerformLine, Gianna Barrere, to discuss our annual Complaint Risk Signal Report. 

Listen as Gianna and I discuss:

  • The background of the report, the importance of consumer complaints, and how they are used by the CFPB to regulate financial institutions
  • Key topics and a few interesting takeaways the report covers this year
  • Guidance on how organizations can establish a process for monitoring these complaints in the database system
  • Best practices for how to implement monitoring of marketing communications for compliance with regulations effectively
  • Finally, we share how you can access the report and give a rundown of the additional content pieces coming out this quarter that you can look forward to


Show Notes:


Benefits of Automating Your Marketing Compliance Processes08 Sep 202300:26:47

This week I sat down with our SVP of Sales here at PerformLine, John Zanzarella, to discuss the Benefits of Automating your Marketing Compliance Processes. 

Listen as John and I discuss:

  • Some of the key concerns that keep marketing compliance professionals up at night
  • The specific industry trends and regulatory changes that have heightened these concerns in recent times
  • How automation can play a role in addressing these compliance challenges
  • Some real-world success stories of organizations that have benefited from automating their marketing compliance processes


Show Notes: 

The State of Mortgage Compliance, August 202325 Aug 202300:26:28

This week I sat down with our Senior Director of Client Success here at PerformLine, Rhonda McGill, to discuss the state of mortgage marketing compliance. This month we hosted our quarterly roundtable with compliance leaders in this space, and during today's episode Rhonda and I sat down to discuss some key takeaways from that event, including: 

  • The ongoing complications with manual compliance review of loan officers
  • The increased risk of loan officers seeking additional revenue from affiliate partnerships due to the interest rate market, and what compliance teams can do to mitigate this risk
  • Compliance Concerns with Loan officers adopting group names (or “team names”) for branding and how to address the regulatory scrutiny around these
  • The ever-popular topic of monitoring loan officers across social media, specifically the new platform Threads
  • And finally, remote work policy requirements that are being issued by states and how compliance teams can proactively address these.


Show Notes


Compliance Expert Interview with Andrew Grant06 Dec 202400:22:30

The Expert Interview Series is a segment of the COMPLY Podcast where we shine a spotlight on the industry leaders who are truly making a difference in the marketing compliance landscape. These boots-on-the-ground professionals work tirelessly to protect consumers while navigating the complex regulatory environment.

We’ll chat with these compliance experts as they share their real-world experiences, expertise, and practical insights. By hearing from those who are actively engaged in compliance, you’ll gain valuable perspectives and actionable strategies to apply in your own work.

In this episode, I sat down with Andrew Grant, Partner at Runway LLP, where we talked about his extensive experience in financial services law and how companies can operationalize compliance effectively. We explored Andrew’s unique insights from his 15-year career, particularly in the evolving fintech landscape and its regulatory challenges.

Discussion topics include:

  • How compliance teams can shift from being seen as “the team that says no” to being problem solvers who help businesses succeed
  • Why strong compliance programs can help companies stand out and win partnerships with banks and other financial players
  • The importance of gaining compliance buy-in from leadership and other departments (and tips on how to get it)
  • Predictions for 2025 amidst a new administration, including steady enforcement from the CFPB, a decrease in new federal regulations, and increased state-level activity to address gaps in financial oversight


Show Notes:


Building a Culture of Compliance with Faraz Rana04 Aug 202300:23:22

This week’s podcast features a special guest, Faraz Rana, Founding Team Member and Former Chief Legal Officer at Bread and current Co-Founder and CEO of Affinity. During today's episode, we sit down with Faraz to discuss building a culture of compliance, including:

  • What the compliance team and processes looked like during his time at Bread
  • How he prioritized what needed to be done to build this true culture of compliance
  • How technology can be an integral part of the compliance process, especially as it pertains to automating and scaling this function
  • And finally, some top tips for fintech listeners as it pertains to their compliance programs and readying them for bank partnerships


Show Notes:

Sandhya Brown of the FTC14 Jul 202300:19:26

This week’s podcast features a very special guest, Sandhya Brown, Assistant Director in the Division of Financial Practices at the FTC. This past year, the FTC issued their staff report on dark patterns (“Bringing Dark Patterns to Light”) and also brought a number of cases involving dark patterns: Credit Karma, Epic Games (Fortnite), and Vonage, to name a few. 

They’ve also initiated rulemakings in a few areas related to dark patterns – in particular, junk fees and click-to-cancel. 

Listen as she talks about the staff report, key aspects of the cases they brought, the rulemaking proposals, and tips for compliance.

Show Notes:

UDAAP Compliance Trends and Best Practices Pt. 2 09 Jun 202300:32:34

This week’s podcast is the second part of a conversation between four industry experts—James Kim from Troutman Pepper, Brian Serafin from Weiner Brodsky Kider PC, Pia Thompson from lawesomeGC,  and Rhonda McGill from PerformLine.

 Today they continue their discussion on  UDAAP. Topics on today's episode include:

  • How to avoid common UDAAP pitfalls
  • Mitigating UDAAP compliance risk in marketing materials
  • Developing effective UDAAP compliance programs


Show Notes:


UDAAP Compliance Trends and Best Practices Pt. 126 May 202300:26:00

This week’s podcast is the first part of a conversation between four industry experts—James Kim from Troutman Pepper, Brian Serafin from Weiner Brodsky Kider PC, Pia Thompson from lawesomeGC, and Rhonda McGill from PerfomLine. 

Today they discuss their unique insights on compliance with Unfair, Deceptive, or Abusive Acts or Practices (UDAAP). Listen as they discuss: 

  • Background on UDAAP
  • Compliance risks to be aware of as it pertains to UDAAP
  • Their takes on the CFPB's policy statement on abusive acts and practices

Show Notes:

Navigating Marketing Compliance Challenges Pt. 212 May 202300:25:20

This week’s podcast is part two of a conversation between our SVP of Sales John Zanzarella, and two heavy hitters in marketing compliance - Alexandra Megaris, Partner at Venable LLP, and John Henson, General Counsel at ConsumerAffairs. 

If you haven’t listened to the first part of their conversation, we recommend you do that first, and then head back here to see how they wrap up their conversation with these topics: 

  • How to mitigate risk across marketing channels
  • How to prioritize communication methods for compliance
  • Regulatory hot topics and expectations for 2023
  • How to share regulatory updates that affect the business with the appropriate teams

Show Notes:



Navigating Marketing Compliance Challenges Pt. 128 Apr 202300:28:27

In this week’s podcast our SVP of Sales John Zanzarella, sits down with two heavy hitters in marketing compliance - Alexandra Megaris, Partner at Venable LLP, and John Henson, General Counsel at ConsumerAffairs - as they discuss how organizations are facing a unique set of marketing compliance challenges in 2023. Their discussion topics include: 

  • How small compliance teams can keep up with increasing demands
  • Effectively prioritizing and allocating compliance budgets
  • The risks of not prioritizing training and development
  • How organizations can make the most of their relationship with consultants and outside counsel

Show Notes:

The Top UDAAP Compliance Issues Across Published Content14 Apr 202300:28:46

On this week’s podcast we sit down with two PerformLine colleagues - Gianna Barrere, our Content Manager and Mike Gibney, our Client Solutions Manager and we discuss all things UDAAP (or Unfair, Deceptive, Abusive Acts or Practices). 

First we chat with Gianna about her newly released report: The Top UDAAP Compliance Issues Across Published Content, the methodology behind the report, and some of the key takeaways. 

And then we chat with Mike about PerformLine’s rules engine, rulebooks - specifically those that help with UDAAP, and why it’s critical to take a proactive approach to marketing compliance.

Show Notes: 


BaaS: Compliance as a Competitive Advantage Pt. 231 Mar 202300:21:55

This week’s podcast is part two of a conversation all about BaaS or banking-as-a-service. If you haven’t listened to our previous podcast it contains part one of this conversation, so we recommend that you go back and listen if you haven’t yet. This week though we are rejoined by Paul Wilmore, PerformLIne’s COO, Tanner Mayo, President of FedFis and the BaaS association, and Amanda Swoverland, Chief Compliance officer at Unit, as they discuss:

  • The inconsistency in the regulatory climate in this industry, and thoughts on what’s to come.
  • How players in this space can use compliance as a competitive advantage.
  • How using a scalable platform to automate your compliance process can increase your number of fintech partnerships and thus growth.
  • And what the next 6-10 months might look like in this space.

Show Notes:

BaaS: Compliance as a Competitive Advantage Pt. 117 Mar 202300:19:17

This week’s podcast is part one of a conversation all about BaaS (banking-as-a-service). Paul Wilmore, PerformLine’s COO, sits down with Tanner Mayo, President of FedFis and the BaaS association, and Amanda Swoverland, Chief Compliance officer at Unit to discuss:

  • The current state of this rapidly growing industry
  • How Fintechs are building trust with consumers as we see more a shift to the less traditional banking model
  • Their stance on who is responsible for regulatory compliance and consumer protection in this space - the bank, the fintechs, or both.
  • The expertise in compliance that banks can offer these fintechs given their history of regulatory oversight.

Show Notes:

The State of Mortgage Marketing Compliance17 Feb 202300:22:26

This week I sat down with our Senior Director of Client Success here at PerformLine, Rhonda McGill, to discuss the state of mortgage marketing compliance. Last week we hosted a quarterly roundtable with compliance leaders in this space and today Rhonda and I discuss some key take aways from that event. 

This includes doing a lot more - such as examinations and compliance reviews, with a lot less - as we see market trends impacting these teams.  As well as the ongoing need for monitoring for non-compliant posts and brand mentions across loan officer’s social media channels. We discuss these key themes and some helpful takeaways for folks in this industry to start thinking about and implementing today. 

Show Notes:


Creating A Culture of Compliance with Kristina Sacco Pt. 225 Oct 202400:27:21

In this episode of the COMPLY Podcast, I sat down for part 2 of a discussion with my special guest Kristina Sacco about building a strong culture of compliance.  In this episode, Kristina shares some additional bits of wisdom and best practices for making sure that everyone understands the importance of compliance.

Topics include:

  • The important task of training and continuing education of yourself and your organization
  • Why it is important for the message of compliance to be communicated from the top down.
  • How compliance can work with the business to inspire change
  • Advice for those new to compliance

Show Notes


The State of Marketing Compliance03 Feb 202300:13:33

This week I sat down with our content manager here at PerformLine, Gianna Barrere, to discuss the release of our upcoming State of Marketing Compliance Report. 

This is our second annual release of this report, which is a comprehensive overview of the data we collected in Q4 of 2022 , when we surveyed compliance professionals across a wide variety of industries on their marketing compliance practices, concerns, and challenges. 

During today’s podcast Gianna and I discuss: 

  • Key insights from the report
  • The most consistent and inconsistent data points year-over-year
  • A few key takeaways for the mortgage, buy now, pay later, fintech, and partner bank industries
  • And a sneak peek at our upcoming webinar with compliance professionals to dig into these insights


Show Notes: 

CFPB Compliant Risk Signal Report Pt. 220 Jan 202300:16:12

This week’s episode is part two of a conversation about one of our top annual content pieces - the CFPB Compliant Risk Signal Report. Every year we analyze the consumer complaints submitted to the Consumer Financial Protection Bureau and the compliance risk signals they present to financial institutions. 

Today’s podcast is a continuation of a conversation between experts at PerformLine as they continue to talk through compliance risk signals from the CFPB's consumer complaint database, including: 

  • Enforcement trends over the past year and expectations in 2023
  • Prioritization of enforcement over consumer education
  • Increased scrutiny of UDAAP
  • The States' role in enforcement and consumer protection
  • Key takeaways to mitigate compliance risk

Show Notes:

CFPB Complaint Risk Signal Report Pt. 106 Jan 202300:19:26

We’re starting this season of our COMPLY podcast discussing one of our top annual content pieces - the CFPB Compliant Risk Signal Report. Every year we analyze the consumer complaints submitted to the Consumer Financial Protection Bureau and the compliance risk signals they present to financial institutions.

The CFPB uses this consumer complaint data to guide its supervisory and enforcement activities and today’s discussion focuses on:

  • Big-picture complaint trends over the past year
  • Increased complaints submitted by special groups
  • Continued regulatory scrutiny on fair lending
  • The latest happenings in the BNPL industry and expectations for this year
  • Bank-fintech partnerships and the increasing importance of compliance

Show notes:

BNPL Market Trends and Consumer Impacts Pt. 216 Dec 202200:26:16

Our episode this week is part two of a conversation on the current and future regulation of the buy now, pay later industry featuring Alan Kaplinsky and Lisa Lanham, two thought leaders from Ballard Spahr, and PerformLine’s own SVP John Zanzarella. 

Their conversation focuses on the CFPB’s latest report on Buy Now, Pay Later: Market trends and consumer impacts, as they specifically discuss the three main areas of concern for consumer protection risks for BNPL products as outlined by the CFPB, from both the federal and state perspective, including the lack of standardized disclosures for these products, the lack of process around dispute resolution, and the issue of compulsory payments, or “auto-pay” as the bureau refers to it. 

Show Notes:

BNPL Market Trends and Consumer Impacts Pt.1 02 Dec 202200:16:44

Our episode this week revolves around the current state of the buy now, pay later industry. The conversation features Alan Kaplinsky, Senior Counsel at Ballard Spahr, Lisa Lanham, Partner at Ballard Spahr, and John Zanzarella, SVP at PerformLine. 

In addition to discussing where this industry stands today, they also discuss the possible future of this industry over the next few years given the current headwinds it faces - which include a decrease in consumer spending, rising inflation and existing loan quality and cost of funding becoming constrained as interest rates continue to rise.

Show Notes:

The Evolution of Bank-Fintech Partnerships and BaaS Providers18 Nov 202200:19:35

We’re super excited for this week’s podcast with Paul Wilmore. Paul spent 19 years at Barclays in US Consumer Business in a number of roles, last of which was Chief Marketing Officer. From there Paul become the CMO at Cardtronics, the world's largest ATM operator, and is now the Chief Operations Officer here at PerformLine.

During today’s episode Paul and I discuss:

  •  The evolution of the fintech, partner bank, and banking as a service (BaaS) ecosystem
  • The opportunities and challenges of these new partnerships
  • The importance of collaboration between these parties as it pertains to compliance

Show notes: 

The Compliance Fortune Teller: 2022 Results + 2023 Predictions21 Oct 202200:27:40

We’re super excited for this week’s podcast with Rhonda McGill. You may know Rhonda as our SVP of Client Solutions here at PerformLine, but what you may not know is that she is also our resident compliance fortune teller.  

During today’s episode, Rhonda and I walk through the compliance predictions she made for 2022, where things landed in the world of regulation, and her predictions for what we can expect to see in 2023.

Show Notes:

Compliance Issues Report Pt. 207 Oct 202200:17:27

Today's podcast is part two of a discussion between experts at PerformLine as they continue to talk through the top marketing compliance issues thus far in 2022 which we’ve uncovered using the PeformLine platform. Topics include:

  • The multiple compliance concerns with using language like "fast approval" or "instant approval" on marketing materials
  • Avoiding black-box models for decision-making and preventing ECOA compliance issues
  • And best practices for compliance monitoring and consumer protection across marketing channels and partners


Show Notes:

Compliance Issues Report Pt. 123 Sep 202200:23:49

Today's podcast is part one of a discussion between experts at PerformLine as they take a deep dive into the top marketing compliance issues thus far in 2022. Topics include:

  • How we uncovered these findings using PerformLine’s proprietary Rulebooks and technology
  • The all-too-common issue of third parties deceiving consumers through brand infringement (and these instances going unnoticed by the brand they're infringing upon)
  • The importance of substantiation when using subjecting language in marketing materials to protect both consumers and your organization

Show Notes:

Consumer Protection at the FTC featuring Sandy Brown12 Aug 202200:14:59

Today’s podcast features Sandy Brown, Assistant Director, Bureau of Consumer Protection's Division of Financial Practices at the Federal Trade Commission.  This excerpt from Sandy reviews a broad range of consumer protection issues organizations are facing today and shares what's on the FTC's radar in her role supervising enforcement and policy work.

Creating A Culture of Compliance with Kristina Sacco Pt. 111 Oct 202400:21:12

In this episode of the COMPLY Podcast, I sat down with my special guest Kristina Socco to talk about what it takes to build a strong culture of compliance.  Kristina shares some of her thoughts and best practices for getting everyone on board to partner together to make sure that the lines of communication are open and that everyone feels like they have some ownership in the process.

Discussion topics include:

  • Compliance departments as the gatekeepers of the organization
  • How the compliance team can help the organization shine
  • The importance of networking with other compliance professionals

Show Notes


The Road Ahead for Buy Now, Pay Later Compliance Professionals Pt 2. 29 Jul 202200:25:46

Today’s episode is part two of a the conversation had between John Zanzarella, VP of Sales here at PerformLine and Gary Stein, US Chief Product & Compliance Officer at Opy.  

Gary previously led policy-making efforts and a team of subject matter experts for the CFPB - covering consumer deposits, emerging and legacy payment systems, consumer-authorized data sharing/aggregation, small-dollar, and other consumer lending products. 

John and Gary’s discussion revolves around key topics such as:

  • When it comes to protecting the consumer - what do you think the future holds in terms of regulation in this space?
  • What can buy now, pay later firms do today to get ahead of this regulation to come?
  • Gary’s process for handling merchant monitoring and his advice for others in the space to ensure merchants’ behavior aligns with company brand parameters.
  • The difference in US regulations of BNPL firms versus those authorities abroad.
  • Some of the separators for those buy now, pay later companies who will continue to grow and evolve and those who will not. 
The Road Ahead for Buy Now, Pay Later Compliance Professionals Pt. 115 Jul 202200:19:45

On today’s episode we hear from John Zanzarella, VP of Sales here at PerformLine as he chats with Gary Stein, US Chief Product & Compliance Officer at Opy. Prior to joining Opy, Gary previously led policy-making efforts and a team of subject matter experts for the CFPB - covering consumer deposits, emerging and legacy payment systems, consumer-authorized data sharing/aggregation, small-dollar, and other consumer lending products.

Their discussion today revolves around key topics such as:

  • Gary’s experience as a former regulator moving into the private sector, and what specifically caught his attention about Opy
  • His initiatives when joining Opy from a compliance standpoint, having the history of coming from the Bureau
  • The difference between being proactive versus reactive when it comes to leading with compliance
  • And thoughts on where the industry lies today and the dichotomy in growth we’re seeing between various BNPL firms.
UDAAP Compliance Under CFPB Director Chopra. Pt. 2 01 Jul 202200:23:09

 Today’s podcast is part two of a discussion had between Rhonda McGill, Sr. Director of Client Solutions at PerformLine and Tony Alexis, Partner at Goodwin Law and former Assistant Director and Head of the Office of Enforcement at the CFPB, where he developed and managed the CFPB’s enforcement strategy, consumer financial investigations and litigation. On today’s show Rhonda and Tony continue their discussion of UDAAP Compliance Under CFPB Director Chopra, specifically:

  • The CFPB's updated procedural rules that provide them with the authority to carry out enforcement actions in-house
  • Expectations on the States' enforcement of UDAAP
  • The role of a strong Compliance Management System (CMS) in UDAAP compliance
UDAAP Compliance Under CFPB Director Chopra Pt. 114 Jun 202200:16:52

Today’s podcast is a discussion between Rhonda McGill, Sr. Director of Client Solutions at PerformLine and Tony Alexis, Partner at Goodwin Law and former Assistant Director and Head of the Office of Enforcement at the CFPB, where he developed and managed the CFPB’s enforcement strategy, consumer financial investigations and litigation. During today’s podcast they discuss UDAAP compliance under CFPB Director Chopra, specifically:

  • The recision of the CFPB's guidance on Abusiveness Standard in 2020 and how it impacts organizations today
  • The recent update to the UDAAP examination manual to include discrimination under "unfair"
  • The recent notable UDAAP enforcement actions
  • And the CFPB's crackdown on repeat offenders and how that ties into UDAAP
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