Some people are asking me where the “approval” authority is. See 15 U.S.C. 1640(f), 1691(e), 1693(m)(d)(1). Caution: You are receiving unqualified legal advice. Please don’t tweet back if you disagree. I am not a lawyer.

Wow! Using blockchain can reduce APR from 300% to 20%! Seriously, is this voodootech or fintech? ethnews.com/sweetbridge-to…

A thoughtful opinion piece from my friend Sameh Elamawy We need better tech for loan servicing. Isn’t It Time We Put Borrowers First? | The Well News thewellnews.com/isnt-it-time-w…

2019 Outlook: CFPB Innovation Policies May Face State Challenges news.bloomberglaw.com/banking-law/20…

As an advisor to the #FinHealthPulse, I'm excited to share the latest @CFSInnovation report on the financial lives of LMI Americans over the age of 50.The report leverages data from thePulse to drive innovative #FinTech solutions. #DisruptAging #FinHealth bit.ly/2Bthtu7

Sitting on my 9:20pm #aircanada flight for more than an hour, only to be told to deplane because the crew couldn’t figure out how to put a scooter on board. Seriously??? This is the most laughable reason given by an airline. Way to go #aircanada.

I am honored to join PayActiv’s advisory board today. medium.com/@payactiv/why-…

americanbanker.com/opinion/dont-s…

In prepared remarks for today's first HFSC #fintech task force meeting, CFPB Innovation Office head Paul Watkins says Dir. Kraninger hasn't decided whether to finalize the sandbox & no-action letter proposals financialservices.house.gov/uploadedfiles/…

It's About TIME youtu.be/R8kRc_57Duo via YouTube

Great job Dave Girouard today at the alt data hearing. Alt data and ML is a great way to expand access to credit. Awesome to hear the positive impact the no action letter we issued two years ago. Now is time for @CFPB to issue guidance to provide clarity to benefit everyone.

.Dan Quan writes real innovation-minded regulatory agencies use sandboxes as a means, not an end. Read more: buff.ly/2mn0K7z

Due to the confirmed case of #COVIDー19 from community spread, SLCPD is asking all criminal activities/nefarious behavior to cease until further notice. We appreciate your anticipated cooperation in halting crime & thank criminals in advance. #SocialDistancingNow #behaveyourself

To fix problems with credit reporting, we need a better government watchdog, not Biden’s idea of new public credit bureau marketwatch.com/story/to-fix-p…

Had the honor testifying before the HFSC today. Mentioned 1033 a number of times. If we want to fix the access to credit problem, we should let consumers decide who they want to share their data with. @CFPB pls write your data access rule so more innovations can take place.