The Money and Banking Law Podcast with Joe Silvia

Joe chats with Rachel Lohman, a small business owner in Wisconsin.

Joe Silvia sits down with Scott Shay, co-founder of Next and former founder of Signature Bank, as he explains why he thinks the next generation of banking will replace unnecessary complexity with real-time, always-on dollar movement.

Joe Silvia shares his thoughts on the recent Illinois Banker Magazine article, "Bankers’ Top 5 Strategic Priorities for 2026," by banking technology solutions provider CSI.

Joe Silvia explains the The Expedited Funds Availability Act, implemented by the Federal Reserve as Regulation CC, which applies to all insured banks and credit unions and requires them to make funds deposited into transaction accounts available for withdrawal on defined availability schedules.

Joe Silvia discusses the proposed rule to implement the GENIUS Act's "directives to treat permitted payment stablecoin issuers (PPSIs) as financial institutions under the Bank Secrecy Act and to require issuers to maintain an effective customer identification program (CIP).

Joe Silvia explains the significance of OCC Interpretive Letter 1192, which confirms that the National Bank Act preempts state law and the bank in question "may engage in its federally authorized activities nationwide and is not required to hold a state money transmitter license or satisfy a state law exemption."

Joe Silvia examines the plans announced by the largest U.S. banks and financial institutions to launch a tokenized deposit network next year in response to crypto companies and stable coins taking an increasing share of core deposits and removing liquidity from the traditional, regulated banking system.

In this episode, Joe Silvia explains the overall U.S. regulatory structure for financial institutions, the general themes and goals of banking regulations and the dual banking system in the United States.

Joe Silvia provides an overview of the regulatory landscape for implementing the GENIUS Act, including the proposed rules from the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of the Currency (OCC) , Financial Crimes Enforcement Network (FinCen) and the Office of Foreign Assets Control (OFAC).

Recently, Duane Morris and Merkle Science held an event at our New York office to discuss policy, market structure issues and expectations for digital assets in 2026. Joe Silvia spoke on a panel about what needs to be in place for crypto currency to gain wider, mainstream adoption, and Mauro Wolfe, lead partner for Duane Morris’ Digital Assets and Blockchain Group, served as MC for the event.

Joe Silvia shares highlights and takeaways from the recent Banking Regulations Under Trump event at the Union League of New York, featuring remarks from current Comptroller of the Currency Jonathan V. Gould and former Comptroller of the Currency Joseph Otting.

On this episode, Joe Silvia talks with Terry Mendez, CEO of Safe Harbor Financial and Michael Schwamm, Duane Morris partner in the Corporate and Cannabis practices, about the specific requirements and challenges of providing financial services for the cannabis industry.

In this episode, Joe Silvia speaks with Jon Petrakis, a partner and one of the leaders of Duane Morris' Banking and Finance Practice, about his practice and his advice for creating and building commercial banking relationships.

Joe Silvia talks with Matt Shields, Managing Director, Head of FIG Capital Markets at Performance Trust Capital Partners to understand how financial institutions raise capital. Matt also shares his thoughts and expectations for the capital markets in 2026.

Joe Silvia reviews and analyzes Federal Reserve Vice Chair for Supervision Michelle Bowman's opening remarks at the Federal Reserve Bank of Atlanta 2026 Banking Outlook Conference: The Next Horizon in Banking on February 19, 2026.