Financial Forward: The Future of Consumer Finance & Banking
Financial Forward with Jim McCarthy Explore the Future of Consumer Finance, Banking Regulation, and FinTech Innovation Financial Forward is the essential podcast for professionals in finance, compliance, and innovation. Hosted by Jim McCarthy, founding member of the CFPB and expert in regulatory risk management, each episode features in-depth conversations with leaders from banks, credit unions, fintech companies, and regulatory agencies. 🎯 What You’ll Learn: Consumer finance trends and policy changes CFPB rulemaking and enforcement actions Compliance with FDIC, OCC, NCUA, and CFPB oversight FinTech, open banking, and RegTech innovation Credit cards, loans, mortgage servicing, and fair lending AI and automation in banking compliance Risk management and consumer protection 🎧 Who Should Listen: Bank executives, compliance officers, fintech founders, consumer advocates, and anyone interested in regulatory reform and financial inclusion. 🎙️ Listen now on Apple Podcasts, Spotify, Google Podcasts, Amazon Music, and more. 📲 Follow Jim McCarthy on LinkedIn for exclusive updates: https://www.linkedin.com/in/jim-mccarthy/ 📩 Contact: jim@mccarthy-hatch.com 💬 Share your thoughts using hashtags: #FinancialForwardPodcast #ConsumerFinance #BankingCompliance #CFPB #FDIC #OCC #Fintech #RiskManagement #OpenBanking #JimMcCarthy
Episodes
Episode summary
This Financial Forward episode steps away from the usual regulatory and industry focus to address what sits underneath every system: people navigating loss, depression, and the hidden strain of caregiving. Jim and Dr. Heidi Taylor, Ph.D. talk candidly about grief, what helps (and what harms) when others try to “support,” and why taking care of ourselves is not optional—especially for caregivers. The con...
Episode summary
Community banks and credit unions face growing pressure to digitize—but many are underserved (or boxed in) by the current fintech market. Adam Turmakhan explains what institutions stand to gain with modern data and AI, what they risk by delaying, and how vendor models that take control of customer data can undermine long-term competitiveness.
American Bankers Association+1
About the guest
Adam Turmak...
Episode Description
In this episode of Financial Forward, host Jim McCarthy sits down with John McNamara, former Principal Assistant Director for Markets at the Consumer Financial Protection Bureau (CFPB). Together, they pull back the curtain on how complaint data actually powered markets, supervision, and enforcement inside the Bureau—and what that means for state regulators today.
Jim and John walk through the evoluti...
Guest: Levi — Founder/Builder at Nav
Topic: Making business credit visible, useful, and fundable.
Key Takeaways
- Business credit ≠ consumer credit. The ecosystem is opaque; owners often don’t know what’s being scored—or why. Nav makes it legible and actionable.
- Visibility first, capital second. You can’t optimize what you can’t see. Pull your business credit data, fix errors, and understand how banks read your fi...
Episode Summary
Amy — a retired Texas teacher living on a fixed income — whose protected retirement funds were swept from her bank account to satisfy an old, likely time-barred credit-card judgment. By filing a detailed complaint with the CFPB and notifying both the collector and the bank that the funds were protected under Texas law, Amy triggered a reversal and got her money back. The episode explores why precision i...
Title: Insuring Fraud at Signup: Sunil Madhu on AI Underwriting, Faster Approvals, and Claims in 30 Days
Guest: Sunil Madhu, Founder & CEO, Instnt (previously Founder & CEO, Socure)
Length: ~41 minutes
What This Episode Is About
Most fraud tools try to detect risk. Instnt goes a step further: it underwrites onboarding fraud risk in real time and transfers residual loss to A-rated insurers. For consumer...
Episode summary
Paying U.S. college tuition from abroad can be slow, expensive, and confusing. Crebit says it fixes that by letting families in Brazil and Mexico pay locally (PIX or bank transfer), converting funds to USD, and delivering a check directly to the school—positioning itself as a faster, lower-cost alternative to incumbents like Wise and Flywire. We unpack how the product works, the regulatory plum...
Episode Summary:
In this special episode of Financial Forward, we present Jim McCarthy’s keynote address from FinovateSpring 2025, held in San Diego, California. With over three decades in banking and regulatory leadership, including pivotal roles at the FDIC and as a founding member of the CFPB, Jim shares a powerful perspective on the future of financial services under the returning Trump administration.
The spe...
“FirstCash, the CFPB, and Military Lending Protections: A Follow-Up to Our Service Member Panel”
Release Date:
July 2025
🔍 Episode Overview
In this special follow-up episode of Financial Forward, host Jim McCarthy revisits the critical topic of military financial protections in the wake of a major enforcement action by the Consumer Financial Protection Bureau (CFPB).
Since the airing of our original Service Member P...
Recorded: Tuesday, July 1 | 1:00 PM CT
Presented by: McCarthy Hatch
🎯 Episode Overview:
As the Consumer Financial Protection Bureau (CFPB) sharpens its lens on how financial institutions serve military members and their families, this live panel explores the evolving regulatory landscape and the moral imperative to do better.
We go beyond compliance checklists to examine complaint data, identify institutional risks...
“AI Governance & Change Management in Financial Services”
Guest: Parijat Banerjee, Global Head of Financial Services at LatentView Analytics
🔗 Episode Summary
In this episode of Financial Forward, host Jim McCarthy sits down with Parijat Banerjee, a leading expert in financial data analytics and the Global Head of Financial Services at LatentView Analytics. Together, they explore the challenges and opportuniti...
Episode Title: Behind the Credit Curtain: Understanding Consumer Reporting with NCRA’s Eric Ellman
Guest: Eric Ellman, President of the National Consumer Reporting Association (NCRA)
Host: Jim McCarthy
🎙️ Episode Summary:
In this episode of Financial Forward, host Jim McCarthy sits down with Eric Ellman, the newly appointed president of the National Consumer Reporting Association (NCRA), to explore the often-...
🔍 Episode Summary:
In this unforgettable episode of Financial Forward, host Jim McCarthy reconnects with Jacob, the breakout analyst from McCarthy Hatch whose debut podcast went viral. But Jacob's talents go far beyond financial risk modeling — turns out, he was hired as Luka Dončić’s body double in the buzzy new Jordan Brand ad, ‘The Trial of Luka Dončić’.
We dive into Jacob’s unexpected journey from spreadsheets...
Guest: Ian Moloney, Head of Policy & Regulatory Affairs, American Fintech Council
Host: Jim McCarthy, Chairman of McCarthy Hatch and Founding Member of the CFPB
Podcast: Financial Forward
🔑 Key Topics:
- What the American Fintech Council Stands For
Ian describes the AFC's role as a bridge between regulators and innovators, ensuring fintechs can grow while protecting consumers. - Responsible Innov...
In this episode of Financial Forward, Jim McCarthy sits down with Steve Bishop, one of the leading voices in Banking-as-a-Service (BaaS) and founder of Ambassador. If you're in banking, fintech, or regulatory circles—you’ve heard Steve’s name. And if you haven’t yet, you will.
From humble beginnings on a gravel road in Missouri to becoming the go-to source for how BaaS should really work, Steve walks us through hi...
In this special Financial Forward rebroadcast, we’re sharing an essential panel discussion originally produced by The Bates Group, examining how the return of the Trump administration may reshape consumer financial protection, fintech regulation, and compliance strategies across the industry.
Recorded live, this expert panel dives into the shifting regulatory landscape and what financial institutions, money services bu...
In This Episode:
In a departure from our usual finance and regulation discussions, this special episode of Financial Forward focuses on the emotional, financial, and personal challenges of caregiving. Whether you're a parent of a child with special needs, caring for an aging family member, or supporting a loved one through difficult times, today’s conversation is about giving yourself grace and understanding...
Finding Financial Success in the New Regulatory-Mandated Open Banking
Episode Description:
In this special episode, we rebroadcast a panel discussion from Bank Automation Summit 2025, where industry leaders explore the evolution of embedded finance, how financial institutions can ensure modern, compliant, and seamless payment processing, and the current state of open banking compliance.
This episode is brought to y...
At McCarthy Hatch, we believe in lifting up voices that deserve to be heard. That’s why we’re offering free ad space on our Financial Forward podcast for women-owned and disadvantaged businesses—because supporting diverse entrepreneurs isn’t just the right thing to do; it’s the smart thing to do. This month, we’re thrilled to spotlight Boulevard Coffee, a woman-owned small business with a rich history and a passion f...
Episode Summary:
The Trump Administration wants to shut down the Consumer Financial Protection Bureau (CFPB)—a move that has divided the financial industry. Is it a necessary rollback of overreach or a dangerous erosion of consumer protections? To unpack this, Jim McCarthy sits down with Ron Shevlin, a nationally recognized expert on banking and credit unions, and Chief Research Officer at Cornerstone Advisors. Ro...
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