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Simply Stated - All Things Finance

Business & Economics Podcasts

Financial Regulation can be complicated. Join us for interviews with state financial regulators, commissioners, policymakers, and CSBS staff to gain further insight on how banks, money transmitters, check cashers, and all forms of financial services are supervised and supported by our regulatory system.

Location:

United States

Description:

Financial Regulation can be complicated. Join us for interviews with state financial regulators, commissioners, policymakers, and CSBS staff to gain further insight on how banks, money transmitters, check cashers, and all forms of financial services are supervised and supported by our regulatory system.

Twitter:

@CSBSNews

Language:

English

Contact:

8593960576


Episodes

Ransomware Self-Assessment Tool, Version 2.0

11/27/2023

Duration:00:23:00

What Goes Into Getting a Mortgage Broker License?

11/1/2023
Guest Rich Madison, Vice President, Credentialing and Accreditation Programs In today's episode, we discuss:

Duration:00:10:50

The Making of NMLS: Epilogue - Lessons Learned and Wisdom from the Regulators

8/2/2023
In the epilogue, we ask regulators to share their insights on the importance of NMLS, what we gain from a state-federal regulatory partnership and lessons learned from the NMLS development process. About "The Making of NMLS" Series The Housing and Economic Recovery Act, or HERA, was signed into law fifteen years ago on July 30, 2008. HERA included the SAFE Act, which required mortgage loan originators to register or be licensed in the Nationwide Multi-State Licensing System (NMLS). In celebration of 15 years of NMLS, CSBS is releasing a podcast series about the creation of NMLS. Join us each week through August as we interview the regulators and leaders responsible for one of history's most ambitious 50-state projects. Guests Vickie PeckBuz Gorman John Ryan Neil MilnerBill MatthewsSteve AntonakesGavin GeeJoe SmithTom GronstalDarrin Domingue

Duration:00:17:45

The Making of NMLS: 4 - A Mortgage Crisis, Congress, and 50 State Legislatures

8/2/2023
When we left off from the last episode in September 2005, the CSBS Board of Directors had just approved the development of NMLS. In episode four, we discuss the significant trouble brewing in the mortgage market in 2006. As the mortgage crisis unfolded, state regulators pushed forward with the development of NMLS. As Congress investigated the crisis, state regulators shared NMLS as a possible solution for reigning in the market. About "The Making of NMLS" Series The Housing and Economic Recovery Act, or HERA, was signed into law fifteen years ago on July 30, 2008. HERA included the SAFE Act, which required mortgage loan originators to register or be licensed in the Nationwide Multi-State Licensing System (NMLS). In celebration of 15 years of NMLS, CSBS is releasing a podcast series about the creation of NMLS. Join us each week through August as we interview the regulators and leaders responsible for one of history's most ambitious 50-state projects. Guests Vickie PeckBuz Gorman John Ryan Neil MilnerBill MatthewsSteve AntonakesGavin GeeJoe SmithTom GronstalDarrin Domingue

Duration:00:18:24

The Making of NMLS: 3 - Betting it All to Build NMLS

8/2/2023
In episode three, we discuss the work that went into building NMLS and the opposition faced along the way. Staff worked to harmonize legislative and regulatory requirements across state agencies, develop uniform documents, gather feedback from the mortgage industry and work out the funding and maintenance structure of the system. The episode culminates with a look at the debate between states on whether to launch and adopt the system. Producer's Note: In this episode, the host refers to the SAFE Act passing in July 2007. HERA and the SAFE Act passed July 30, 2008. In addition, the host mentions the states being given one year to adopt NMLS. While every state held a legislative session within one year, the SAFE Act provided two years for states to adopt NMLS. About "The Making of NMLS" Series The Housing and Economic Recovery Act, or HERA, was signed into law fifteen years ago on July 30, 2008. HERA included the SAFE Act, which required mortgage loan originators to register or be licensed in the Nationwide Multi-State Licensing System (NMLS). In celebration of 15 years of NMLS, CSBS is releasing a podcast series about the creation of NMLS. Join us each week through August as we interview the regulators and leaders responsible for one of history's most ambitious 50-state projects. Guests Vickie PeckBuz Gorman John Ryan Neil MilnerBill MatthewsSteve AntonakesGavin GeeJoe SmithTom GronstalDarrin Domingue

Duration:00:16:28

The Making of NMLS: 2 - Building the Supervision Coalition

8/2/2023
In episode two, we start with an interview with then-CSBS President and CEO John Ryan. John shares the story behind when state regulators decided it was time to develop a nationwide licensing system. We determine exactly who had the idea first, the initial reaction of commissioners in 2003 and what ultimately led to embarking on the creation of NMLS. About "The Making of NMLS" Series The Housing and Economic Recovery Act, or HERA, was signed into law fifteen years ago on July 30, 2008. HERA included the SAFE Act, which required mortgage loan originators to register or be licensed in the Nationwide Multi-State Licensing System (NMLS). In celebration of 15 years of NMLS, CSBS is releasing a podcast series about the creation of NMLS. Join us each week through August as we interview the regulators and leaders responsible for one of history's most ambitious 50-state projects. Guests Vickie PeckBuz Gorman John Ryan Neil MilnerBill MatthewsSteve AntonakesGavin GeeJoe SmithTom GronstalDarrin Domingue

Duration:00:21:27

The Making of NMLS: 1 - A Rapidly Changing Mortgage Market

8/2/2023
In episode one, we discuss the financial conditions in the early 2000s. Allegations of predatory lending, an increased number of applications of unqualified individuals to issue mortgages, and increasingly risky behavior in the mortgage market all caught the attention of state financial regulators. Seeing this growing trend, some regulators gathered at CSBS meetings in search of solutions. About "The Making of NMLS" Series The Housing and Economic Recovery Act, or HERA, was signed into law fifteen years ago on July 30, 2008. HERA included the SAFE Act, which required mortgage loan originators to register or be licensed in the Nationwide Multi-State Licensing System (NMLS). In celebration of 15 years of NMLS, CSBS is releasing a podcast series about the creation of NMLS. Join us each week through August as we interview the regulators and leaders responsible for one of history's most ambitious 50-state projects. Guests Vickie PeckBuz Gorman John Ryan Neil MilnerBill MatthewsSteve AntonakesGavin GeeJoe SmithTom GronstalDarrin Domingue

Duration:00:22:07

The Making of NMLS: Prologue - 15 Years of NMLS

8/1/2023
In the prologue, we speak with Vickie Peck, Executive Vice President of Products & Solutions, to reflect on how licensing through NMLS has advanced over the past 15 years. About "The Making of NMLS" Series The Housing and Economic Recovery Act, or HERA, was signed into law fifteen years ago on July 30, 2008. HERA included the SAFE Act, which required mortgage loan originators to register or be licensed in the Nationwide Multi-State Licensing System (NMLS). In celebration of 15 years of NMLS, CSBS is releasing a podcast series about the creation of NMLS. Join us each week through August as we interview the regulators and leaders responsible for one of history's most ambitious 50-state projects. Guests Vickie PeckBuz Gorman John Ryan Neil MilnerBill MatthewsSteve AntonakesGavin GeeJoe SmithTom GronstalDarrin Domingue

Duration:00:19:20

The Money Transmission Modernization Act

5/10/2023
The Model Money Transmission Modernization Act, also known as the Money Transmitter Model Law, is a single set of nationwide standards and requirements created by industry and state experts. We speak with two CSBS experts on money transmission to learn how this model law came to be, what it accomplishes and how it's being implemented nationwide. Guests Matt Lambert - Deputy General Counsel, Policy, CSBS Camille Polson - Manager, Policy Development, CSBS

Duration:00:24:06

Community Banker Sentiment Dips to Lowest Level Since Tracking Began in 2019

4/12/2023
CSBS Chief Economist Tom Siems shares findings from the most recent CSBS Community Bank Sentiment Index, an index derived from quarterly polling of community bankers across the nation. We discuss community bankers' lowest sentiment reading since the start of measurement and what is driving it. Plus, we explore what makes the Community Bank Sentiment Index unique compared to other indicators used by economists.

Duration:00:13:44

State Regulator Priorities in 2023

2/1/2023
State regulators have an important mandate that requires them to protect consumers, ensure the safety and soundness of their institutions and promote economic growth. Today we talk about the priorities of state regulators in 2023, focusing on legislation, state-federal partnerships and Networked Supervision. Guests: Jim Cooper - President and CEO, CSBS Karen Lawson - Executive Vice President of Policy and Supervision, CSBS

Duration:00:16:18

Community Bankers Say the Recession is Already Here

1/11/2023
CSBS Chief Economist Tom Siems shares the findings from the most recent CSBS Community Bank Sentiment Index, an index derived from quarterly polling of community bankers across the nation. We discuss community bankers' negative sentiment for the end of 2022 and their top concerns looking into the new year. Plus, we explore where community bankers think we are in the business cycle compared to the consensus of economists.

Duration:00:11:01

Common Cybersecurity Threats for Financial Institutions & Tools to Help

10/18/2022
This week, we talk with CSBS Information Security Manager Richard Mensah about common cybersecurity threats to financial institutions, organizations designed to help combat cyber-threats, and tools state regulators have created for executive leaders to approach cybersecurity at their companies.

Duration:00:08:46

States of the Economy - June 2022

6/15/2022
"States of the Economy" is a monthly look at the economic picture across the country. In this episode CSBS Chief Economist Tom Siems and host Matt Longacre discuss what the latest inflation and jobs numbers, business confidence measures and more are telling us about the current trajectory of the U.S. economy.

Duration:00:15:12

Community Banks Adapting to the Digital Age

5/5/2022
Community Banks Adapting to the Digital Age Guests: CSBS Chief Economist Thomas F. SiemsFederal Reserve Bank of St. Louis Supervision Policy, Research and Analysis Manager Meredith A. Covington Temple University Professor of Finance and CSBS Adjunct Research Scholar Jonathan A. Scott In this episode, we explore how community banks are adapting to a changing digital landscape by analyzing banking and technology questions from the 2021 CSBS National Survey of Community Banks.

Duration:00:29:08

How Difficult Is It to Curb Inflation? What Tools Do We Have?

4/14/2022
Today, we explore the challenges behind curbing inflation, the tools available to the Federal Reserve to do so, and the consequences of the Fed acting too aggressively or too gently. "States of the Economy" is a monthly look at the economic picture across the country. In this episode CSBS Senior Economist Tom Siems and host Matt Longacre discuss what the latest inflation and jobs numbers, business confidence measures and more are telling us about the current trajectory of the U.S. economy.

Duration:00:16:49

What's Causing Inflation? What's the Impact?

3/9/2022
"States of the Economy" is a monthly look at the economic picture across the country. In this episode CSBS Senior Economist Tom Siems and host Matt Longacre discuss what the latest inflation and jobs numbers, business confidence measures and more are telling us about the current trajectory of the U.S. economy.

Duration:00:16:43

The Jobs Market is in the Driver's Seat

2/9/2022
"States of the Economy" is a monthly look at the economic picture across the country. In this episode CSBS Senior Economist Tom Siems and host Matt Longacre discuss what the latest inflation and jobs numbers, business confidence measures and more are telling us about the current trajectory of the U.S. economy.

Duration:00:11:00

Why Licenses Exist in Financial Services

1/19/2022
CSBS Senior Vice President Tim Doyle sits down with me to explain what exactly makes a license a license. We discuss the difference between a license and charter, why licenses exist, what a license does and does not mean for a consumer, how licensing has changed and how NMLS helps consumers make good choices when shopping for financial services.

Duration:00:13:14

Community Bankers See Expanded Operations, Lower Profitability in 2022

1/12/2022
Community bankers are slightly more optimistic about future business conditions and the economic outlook than they were at the end of last year but are more concerned about future profitability than at any point since the pandemic began, according to the most recent Community Bank Sentiment Index (CBSI). "States of the Economy" is a monthly look at the economic picture across the country. In this episode CSBS Senior Economist Tom Siems and host Matt Longacre discuss what the latest inflation and jobs numbers, business confidence measures and more are telling us about the current trajectory of the U.S. economy.

Duration:00:13:34