CINXE.COM
MultiMedia Hub - Bank Policy Institute
<!DOCTYPE html> <html lang="en"> <head> <meta charset="utf-8"> <meta http-equiv="X-UA-Compatible" content="IE=edge"> <script type="text/javascript"> /* <![CDATA[ */ var gform;gform||(document.addEventListener("gform_main_scripts_loaded",function(){gform.scriptsLoaded=!0}),document.addEventListener("gform/theme/scripts_loaded",function(){gform.themeScriptsLoaded=!0}),window.addEventListener("DOMContentLoaded",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>"function"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn("The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 3.1."),o(),0))},initializeOnLoaded:function(o){gform.callIfLoaded(o)||(document.addEventListener("gform_main_scripts_loaded",()=>{gform.scriptsLoaded=!0,gform.callIfLoaded(o)}),document.addEventListener("gform/theme/scripts_loaded",()=>{gform.themeScriptsLoaded=!0,gform.callIfLoaded(o)}),window.addEventListener("DOMContentLoaded",()=>{gform.domLoaded=!0,gform.callIfLoaded(o)}))},hooks:{action:{},filter:{}},addAction:function(o,r,e,t){gform.addHook("action",o,r,e,t)},addFilter:function(o,r,e,t){gform.addHook("filter",o,r,e,t)},doAction:function(o){gform.doHook("action",o,arguments)},applyFilters:function(o){return gform.doHook("filter",o,arguments)},removeAction:function(o,r){gform.removeHook("action",o,r)},removeFilter:function(o,r,e){gform.removeHook("filter",o,r,e)},addHook:function(o,r,e,t,n){null==gform.hooks[o][r]&&(gform.hooks[o][r]=[]);var d=gform.hooks[o][r];null==n&&(n=r+"_"+d.length),gform.hooks[o][r].push({tag:n,callable:e,priority:t=null==t?10:t})},doHook:function(r,o,e){var t;if(e=Array.prototype.slice.call(e,1),null!=gform.hooks[r][o]&&((o=gform.hooks[r][o]).sort(function(o,r){return o.priority-r.priority}),o.forEach(function(o){"function"!=typeof(t=o.callable)&&(t=window[t]),"action"==r?t.apply(null,e):e[0]=t.apply(null,e)})),"filter"==r)return e[0]},removeHook:function(o,r,t,n){var e;null!=gform.hooks[o][r]&&(e=(e=gform.hooks[o][r]).filter(function(o,r,e){return!!(null!=n&&n!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][r]=e)}}); /* ]]> */ </script> <meta name="viewport" content="width=device-width, initial-scale=1"> <link rel="shortcut icon" href="https://bpi.com/wp-content/themes/bpi/favicon.ico"/> <script> window.placeholderImage = "https://bpi.com/wp-content/uploads/2020/10/bpi-default-post-thumbnail.png"; </script> <script> (function(d){ var js, id = 'powr-js', ref = d.getElementsByTagName('script')[0]; if (d.getElementById(id)) {return;} js = d.createElement('script'); js.id = id; js.async = true; js.src = '//www.powr.io/powr.js?external-type=wordpress'; js.setAttribute('powr-token','jsoD10XTpD1636380391'); ref.parentNode.insertBefore(js, ref); }(document)); </script> <meta name='robots' content='index, follow, max-image-preview:large, max-snippet:-1, max-video-preview:-1' /> <style>img:is([sizes="auto" i], [sizes^="auto," i]) { contain-intrinsic-size: 3000px 1500px }</style> <!-- This site is optimized with the Yoast SEO plugin v23.9 - https://yoast.com/wordpress/plugins/seo/ --> <title>MultiMedia Hub - Bank Policy Institute</title> <meta name="description" content="Official multimedia channel of the Bank Policy Institute, a nonpartisan public policy, research and advocacy group, representing the nation’s leading banks." /> <link rel="canonical" href="https://bpi.com/media/bpi-multimedia-gallery/" /> <meta property="og:locale" content="en_US" /> <meta property="og:type" content="article" /> <meta property="og:title" content="MultiMedia Hub - Bank Policy Institute" /> <meta property="og:description" content="Official multimedia channel of the Bank Policy Institute, a nonpartisan public policy, research and advocacy group, representing the nation’s leading banks." /> <meta property="og:url" content="https://bpi.com/media/bpi-multimedia-gallery/" /> <meta property="og:site_name" content="Bank Policy Institute" /> <meta property="article:modified_time" content="2024-09-17T17:36:42+00:00" /> <meta property="og:image" content="https://bpi.com/wp-content/uploads/2021/12/multimedia-feature-image.png" /> <meta property="og:image:width" content="1200" /> <meta property="og:image:height" content="800" /> <meta property="og:image:type" content="image/png" /> <meta name="twitter:card" content="summary_large_image" /> <meta name="twitter:label1" content="Est. reading time" /> <meta name="twitter:data1" content="2 minutes" /> <script type="application/ld+json" class="yoast-schema-graph">{"@context":"https://schema.org","@graph":[{"@type":"WebPage","@id":"https://bpi.com/media/bpi-multimedia-gallery/","url":"https://bpi.com/media/bpi-multimedia-gallery/","name":"MultiMedia Hub - Bank Policy Institute","isPartOf":{"@id":"https://bpi.com/#website"},"primaryImageOfPage":{"@id":"https://bpi.com/media/bpi-multimedia-gallery/#primaryimage"},"image":{"@id":"https://bpi.com/media/bpi-multimedia-gallery/#primaryimage"},"thumbnailUrl":"https://bpi.com/wp-content/uploads/2021/12/multimedia-feature-image.png","datePublished":"2021-11-03T20:55:53+00:00","dateModified":"2024-09-17T17:36:42+00:00","description":"Official multimedia channel of the Bank Policy Institute, a nonpartisan public policy, research and advocacy group, representing the nation’s leading banks.","breadcrumb":{"@id":"https://bpi.com/media/bpi-multimedia-gallery/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https://bpi.com/media/bpi-multimedia-gallery/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https://bpi.com/media/bpi-multimedia-gallery/#primaryimage","url":"https://bpi.com/wp-content/uploads/2021/12/multimedia-feature-image.png","contentUrl":"https://bpi.com/wp-content/uploads/2021/12/multimedia-feature-image.png","width":1200,"height":800,"caption":"photo showing multimedia items"},{"@type":"BreadcrumbList","@id":"https://bpi.com/media/bpi-multimedia-gallery/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://bpi.com/"},{"@type":"ListItem","position":2,"name":"Media","item":"https://bpi.com/media/"},{"@type":"ListItem","position":3,"name":"MultiMedia Hub"}]},{"@type":"WebSite","@id":"https://bpi.com/#website","url":"https://bpi.com/","name":"Bank Policy Institute","description":"","publisher":{"@id":"https://bpi.com/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https://bpi.com/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https://bpi.com/#organization","name":"Bank Policy Institute","url":"https://bpi.com/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https://bpi.com/#/schema/logo/image/","url":"https://bpi.com/wp-content/uploads/2019/05/cropped-bpi-favicon-1.png","contentUrl":"https://bpi.com/wp-content/uploads/2019/05/cropped-bpi-favicon-1.png","width":512,"height":512,"caption":"Bank Policy Institute"},"image":{"@id":"https://bpi.com/#/schema/logo/image/"}}]}</script> <!-- / Yoast SEO plugin. --> <link rel='dns-prefetch' href='//www.powr.io' /> <link rel='dns-prefetch' href='//cdn.jsdelivr.net' /> <link rel='dns-prefetch' href='//kit.fontawesome.com' /> <link rel='dns-prefetch' href='//fonts.googleapis.com' /> <script type="text/javascript"> /* <![CDATA[ */ window._wpemojiSettings = {"baseUrl":"https:\/\/s.w.org\/images\/core\/emoji\/15.0.3\/72x72\/","ext":".png","svgUrl":"https:\/\/s.w.org\/images\/core\/emoji\/15.0.3\/svg\/","svgExt":".svg","source":{"concatemoji":"https:\/\/bpi.com\/wp-includes\/js\/wp-emoji-release.min.js?ver=6.7.1"}}; /*! This file is auto-generated */ !function(i,n){var o,s,e;function c(e){try{var t={supportTests:e,timestamp:(new Date).valueOf()};sessionStorage.setItem(o,JSON.stringify(t))}catch(e){}}function p(e,t,n){e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(t,0,0);var t=new Uint32Array(e.getImageData(0,0,e.canvas.width,e.canvas.height).data),r=(e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(n,0,0),new Uint32Array(e.getImageData(0,0,e.canvas.width,e.canvas.height).data));return t.every(function(e,t){return e===r[t]})}function u(e,t,n){switch(t){case"flag":return n(e,"\ud83c\udff3\ufe0f\u200d\u26a7\ufe0f","\ud83c\udff3\ufe0f\u200b\u26a7\ufe0f")?!1:!n(e,"\ud83c\uddfa\ud83c\uddf3","\ud83c\uddfa\u200b\ud83c\uddf3")&&!n(e,"\ud83c\udff4\udb40\udc67\udb40\udc62\udb40\udc65\udb40\udc6e\udb40\udc67\udb40\udc7f","\ud83c\udff4\u200b\udb40\udc67\u200b\udb40\udc62\u200b\udb40\udc65\u200b\udb40\udc6e\u200b\udb40\udc67\u200b\udb40\udc7f");case"emoji":return!n(e,"\ud83d\udc26\u200d\u2b1b","\ud83d\udc26\u200b\u2b1b")}return!1}function f(e,t,n){var r="undefined"!=typeof WorkerGlobalScope&&self instanceof WorkerGlobalScope?new OffscreenCanvas(300,150):i.createElement("canvas"),a=r.getContext("2d",{willReadFrequently:!0}),o=(a.textBaseline="top",a.font="600 32px Arial",{});return e.forEach(function(e){o[e]=t(a,e,n)}),o}function t(e){var t=i.createElement("script");t.src=e,t.defer=!0,i.head.appendChild(t)}"undefined"!=typeof Promise&&(o="wpEmojiSettingsSupports",s=["flag","emoji"],n.supports={everything:!0,everythingExceptFlag:!0},e=new Promise(function(e){i.addEventListener("DOMContentLoaded",e,{once:!0})}),new Promise(function(t){var n=function(){try{var e=JSON.parse(sessionStorage.getItem(o));if("object"==typeof e&&"number"==typeof e.timestamp&&(new Date).valueOf()<e.timestamp+604800&&"object"==typeof e.supportTests)return e.supportTests}catch(e){}return null}();if(!n){if("undefined"!=typeof Worker&&"undefined"!=typeof OffscreenCanvas&&"undefined"!=typeof URL&&URL.createObjectURL&&"undefined"!=typeof Blob)try{var e="postMessage("+f.toString()+"("+[JSON.stringify(s),u.toString(),p.toString()].join(",")+"));",r=new Blob([e],{type:"text/javascript"}),a=new Worker(URL.createObjectURL(r),{name:"wpTestEmojiSupports"});return void(a.onmessage=function(e){c(n=e.data),a.terminate(),t(n)})}catch(e){}c(n=f(s,u,p))}t(n)}).then(function(e){for(var t in e)n.supports[t]=e[t],n.supports.everything=n.supports.everything&&n.supports[t],"flag"!==t&&(n.supports.everythingExceptFlag=n.supports.everythingExceptFlag&&n.supports[t]);n.supports.everythingExceptFlag=n.supports.everythingExceptFlag&&!n.supports.flag,n.DOMReady=!1,n.readyCallback=function(){n.DOMReady=!0}}).then(function(){return e}).then(function(){var e;n.supports.everything||(n.readyCallback(),(e=n.source||{}).concatemoji?t(e.concatemoji):e.wpemoji&&e.twemoji&&(t(e.twemoji),t(e.wpemoji)))}))}((window,document),window._wpemojiSettings); /* ]]> */ </script> <link rel='stylesheet' id='sdm-styles-css' href='https://bpi.com/wp-content/plugins/simple-download-monitor/css/sdm_wp_styles.css?ver=6.7.1' type='text/css' media='all' /> <link rel='stylesheet' id='wp-quicklatex-format-css' href='https://bpi.com/wp-content/plugins/wp-quicklatex/css/quicklatex-format.css?ver=6.7.1' type='text/css' media='all' /> <link rel='stylesheet' id='twb-open-sans-css' href='https://fonts.googleapis.com/css?family=Open+Sans%3A300%2C400%2C500%2C600%2C700%2C800&display=swap&ver=6.7.1' type='text/css' media='all' /> <link rel='stylesheet' id='twbbwg-global-css' href='https://bpi.com/wp-content/plugins/photo-gallery/booster/assets/css/global.css?ver=1.0.0' type='text/css' media='all' /> <style id='wp-emoji-styles-inline-css' type='text/css'> img.wp-smiley, img.emoji { display: inline !important; border: none !important; box-shadow: none !important; height: 1em !important; width: 1em !important; margin: 0 0.07em !important; vertical-align: -0.1em !important; background: none !important; padding: 0 !important; } </style> <link rel='stylesheet' id='wp-block-library-css' href='https://bpi.com/wp-includes/css/dist/block-library/style.min.css?ver=6.7.1' type='text/css' media='all' /> <link rel='stylesheet' id='wp-components-css' href='https://bpi.com/wp-includes/css/dist/components/style.min.css?ver=6.7.1' type='text/css' media='all' /> <link rel='stylesheet' id='wp-preferences-css' href='https://bpi.com/wp-includes/css/dist/preferences/style.min.css?ver=6.7.1' type='text/css' media='all' /> <link rel='stylesheet' id='wp-block-editor-css' href='https://bpi.com/wp-includes/css/dist/block-editor/style.min.css?ver=6.7.1' type='text/css' media='all' /> <link rel='stylesheet' id='wp-reusable-blocks-css' href='https://bpi.com/wp-includes/css/dist/reusable-blocks/style.min.css?ver=6.7.1' type='text/css' media='all' /> <link rel='stylesheet' id='wp-patterns-css' href='https://bpi.com/wp-includes/css/dist/patterns/style.min.css?ver=6.7.1' type='text/css' media='all' /> <link rel='stylesheet' id='wp-editor-css' href='https://bpi.com/wp-includes/css/dist/editor/style.min.css?ver=6.7.1' type='text/css' media='all' /> <link rel='stylesheet' id='powrful_pack-style-css-css' href='https://bpi.com/wp-content/plugins/powr-pack/dist/blocks.style.build.css?ver=6.7.1' type='text/css' media='all' /> <style id='classic-theme-styles-inline-css' type='text/css'> /*! This file is auto-generated */ .wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:none;text-decoration:none;padding:calc(.667em + 2px) calc(1.333em + 2px);font-size:1.125em}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none} </style> <style id='global-styles-inline-css' type='text/css'> :root{--wp--preset--aspect-ratio--square: 1;--wp--preset--aspect-ratio--4-3: 4/3;--wp--preset--aspect-ratio--3-4: 3/4;--wp--preset--aspect-ratio--3-2: 3/2;--wp--preset--aspect-ratio--2-3: 2/3;--wp--preset--aspect-ratio--16-9: 16/9;--wp--preset--aspect-ratio--9-16: 9/16;--wp--preset--color--black: #000000;--wp--preset--color--cyan-bluish-gray: #abb8c3;--wp--preset--color--white: #ffffff;--wp--preset--color--pale-pink: #f78da7;--wp--preset--color--vivid-red: #cf2e2e;--wp--preset--color--luminous-vivid-orange: #ff6900;--wp--preset--color--luminous-vivid-amber: #fcb900;--wp--preset--color--light-green-cyan: #7bdcb5;--wp--preset--color--vivid-green-cyan: #00d084;--wp--preset--color--pale-cyan-blue: #8ed1fc;--wp--preset--color--vivid-cyan-blue: #0693e3;--wp--preset--color--vivid-purple: #9b51e0;--wp--preset--color--dark-purple: #480081;--wp--preset--color--light-purple: #F7EFFF;--wp--preset--color--orange: #FF5C00;--wp--preset--color--yellow-orange: #FF9B00;--wp--preset--color--cool-gray: #CFCFCF;--wp--preset--color--light-gray: #F8F8F8;--wp--preset--color--written-text: #6B6A71;--wp--preset--color--bright-purple: #681E9C;--wp--preset--color--dark-gray: #8C8C8C;--wp--preset--color--light-orange: #FFF5E6;--wp--preset--color--meta-gray: #8C8C8C;--wp--preset--color--status-error: #F8333C;--wp--preset--color--status-accepted: #00D4A0;--wp--preset--color--dark-metal: #1D1A31;--wp--preset--color--tirian-purple: #5F0F40;--wp--preset--color--middle-red-purple: #2C0735;--wp--preset--color--chalk: #F4F4ED;--wp--preset--color--wild-blue-yonder: #9EB3C2;--wp--preset--color--papaya-whip: #FFF1D0;--wp--preset--color--spilled-juice: #D2CBD8;--wp--preset--color--sunglow: #FFBE3F;--wp--preset--color--status-alert: #97DFFC;--wp--preset--color--not-pastel-purple: #868CA9;--wp--preset--color--independence: #444B6E;--wp--preset--color--barely-purple: #F3F5FB;--wp--preset--color--timberwolf: #DBD5B5;--wp--preset--color--light-grey-purple: #F4F5F7;--wp--preset--color--written-text-2-on-grey: #4E4D53;--wp--preset--color--wireframe-2: #676B73;--wp--preset--color--wireframe-4: #B4B6BF;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple: linear-gradient(135deg,rgba(6,147,227,1) 0%,rgb(155,81,224) 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan: linear-gradient(135deg,rgb(122,220,180) 0%,rgb(0,208,130) 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange: linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red: linear-gradient(135deg,rgba(255,105,0,1) 0%,rgb(207,46,46) 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray: linear-gradient(135deg,rgb(238,238,238) 0%,rgb(169,184,195) 100%);--wp--preset--gradient--cool-to-warm-spectrum: linear-gradient(135deg,rgb(74,234,220) 0%,rgb(151,120,209) 20%,rgb(207,42,186) 40%,rgb(238,44,130) 60%,rgb(251,105,98) 80%,rgb(254,248,76) 100%);--wp--preset--gradient--blush-light-purple: linear-gradient(135deg,rgb(255,206,236) 0%,rgb(152,150,240) 100%);--wp--preset--gradient--blush-bordeaux: linear-gradient(135deg,rgb(254,205,165) 0%,rgb(254,45,45) 50%,rgb(107,0,62) 100%);--wp--preset--gradient--luminous-dusk: linear-gradient(135deg,rgb(255,203,112) 0%,rgb(199,81,192) 50%,rgb(65,88,208) 100%);--wp--preset--gradient--pale-ocean: linear-gradient(135deg,rgb(255,245,203) 0%,rgb(182,227,212) 50%,rgb(51,167,181) 100%);--wp--preset--gradient--electric-grass: linear-gradient(135deg,rgb(202,248,128) 0%,rgb(113,206,126) 100%);--wp--preset--gradient--midnight: linear-gradient(135deg,rgb(2,3,129) 0%,rgb(40,116,252) 100%);--wp--preset--font-size--small: 16px;--wp--preset--font-size--medium: 20px;--wp--preset--font-size--large: 24px;--wp--preset--font-size--x-large: 42px;--wp--preset--font-size--xsmall: 14px;--wp--preset--font-size--regular: 20px;--wp--preset--spacing--20: 0.44rem;--wp--preset--spacing--30: 0.67rem;--wp--preset--spacing--40: 1rem;--wp--preset--spacing--50: 1.5rem;--wp--preset--spacing--60: 2.25rem;--wp--preset--spacing--70: 3.38rem;--wp--preset--spacing--80: 5.06rem;--wp--preset--shadow--natural: 6px 6px 9px rgba(0, 0, 0, 0.2);--wp--preset--shadow--deep: 12px 12px 50px rgba(0, 0, 0, 0.4);--wp--preset--shadow--sharp: 6px 6px 0px rgba(0, 0, 0, 0.2);--wp--preset--shadow--outlined: 6px 6px 0px -3px rgba(255, 255, 255, 1), 6px 6px rgba(0, 0, 0, 1);--wp--preset--shadow--crisp: 6px 6px 0px rgba(0, 0, 0, 1);}:where(.is-layout-flex){gap: 0.5em;}:where(.is-layout-grid){gap: 0.5em;}body .is-layout-flex{display: flex;}.is-layout-flex{flex-wrap: wrap;align-items: center;}.is-layout-flex > :is(*, div){margin: 0;}body .is-layout-grid{display: grid;}.is-layout-grid > :is(*, div){margin: 0;}:where(.wp-block-columns.is-layout-flex){gap: 2em;}:where(.wp-block-columns.is-layout-grid){gap: 2em;}:where(.wp-block-post-template.is-layout-flex){gap: 1.25em;}:where(.wp-block-post-template.is-layout-grid){gap: 1.25em;}.has-black-color{color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color: var(--wp--preset--color--white) !important;}.has-pale-pink-color{color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color: var(--wp--preset--color--vivid-purple) !important;}.has-black-background-color{background-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color: var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color: var(--wp--preset--color--vivid-purple) !important;}.has-black-border-color{border-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color: var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color: var(--wp--preset--color--vivid-purple) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background: var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background: var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background: var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background: var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background: var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background: var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background: var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background: var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background: var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background: var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size: var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size: var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size: var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size: var(--wp--preset--font-size--x-large) !important;} :where(.wp-block-post-template.is-layout-flex){gap: 1.25em;}:where(.wp-block-post-template.is-layout-grid){gap: 1.25em;} :where(.wp-block-columns.is-layout-flex){gap: 2em;}:where(.wp-block-columns.is-layout-grid){gap: 2em;} :root :where(.wp-block-pullquote){font-size: 1.5em;line-height: 1.6;} </style> <link rel='stylesheet' id='bwg_fonts-css' href='https://bpi.com/wp-content/plugins/photo-gallery/css/bwg-fonts/fonts.css?ver=0.0.1' type='text/css' media='all' /> <link rel='stylesheet' id='sumoselect-css' href='https://bpi.com/wp-content/plugins/photo-gallery/css/sumoselect.min.css?ver=3.4.6' type='text/css' media='all' /> <link rel='stylesheet' id='mCustomScrollbar-css' href='https://bpi.com/wp-content/plugins/photo-gallery/css/jquery.mCustomScrollbar.min.css?ver=3.1.5' type='text/css' media='all' /> <link rel='stylesheet' id='bwg_googlefonts-css' href='https://fonts.googleapis.com/css?family=Ubuntu&subset=greek,latin,greek-ext,vietnamese,cyrillic-ext,latin-ext,cyrillic' type='text/css' media='all' /> <link rel='stylesheet' id='bwg_frontend-css' href='https://bpi.com/wp-content/plugins/photo-gallery/css/styles.min.css?ver=1.8.31' type='text/css' media='all' /> <link rel='stylesheet' id='simple-youtube-responsive-css' href='https://bpi.com/wp-content/plugins/simple-youtube-responsive/css/yt-responsive.css?ver=3.2.5' type='text/css' media='all' /> <link rel='stylesheet' id='daterangepicker-css' href='https://cdn.jsdelivr.net/npm/daterangepicker/daterangepicker.css' type='text/css' media='all' /> <link rel='stylesheet' id='slick-css' href='https://cdn.jsdelivr.net/npm/slick-carousel@1.8.1/slick/slick.css?ver=6.7.1' type='text/css' media='all' /> <link rel='stylesheet' id='google-fonts-css' href='//fonts.googleapis.com/css?family=Roboto:i,400,500,600,700|Roboto+Condensed:600,700|Open+Sans:i,400,700|Barlow+Semi+Condensed:600|Barlow:600&subset=latin' type='text/css' media='all' /> <link rel='stylesheet' id='base-styles-css' href='https://bpi.com/wp-content/themes/bpi/assets/css/style.css' type='text/css' media='all' /> <link rel='stylesheet' id='fancybox-css' href='https://bpi.com/wp-content/plugins/easy-fancybox/fancybox/1.5.4/jquery.fancybox.min.css?ver=6.7.1' type='text/css' media='screen' /> <style id='fancybox-inline-css' type='text/css'> #fancybox-content{border-color:#ffffff;}#fancybox-title,#fancybox-title-float-main{color:#fff} </style> <link rel='stylesheet' id='__EPYT__style-css' href='https://bpi.com/wp-content/plugins/youtube-embed-plus/styles/ytprefs.min.css?ver=14.2.1.2' type='text/css' media='all' /> <style id='__EPYT__style-inline-css' type='text/css'> .epyt-gallery-thumb { width: 33.333%; } </style> <script type="text/javascript" src="https://bpi.com/wp-includes/js/jquery/jquery.min.js?ver=3.7.1" id="jquery-core-js"></script> <script type="text/javascript" src="https://bpi.com/wp-includes/js/jquery/jquery-migrate.min.js?ver=3.4.1" id="jquery-migrate-js"></script> <script type="text/javascript" src="https://bpi.com/wp-content/plugins/photo-gallery/booster/assets/js/circle-progress.js?ver=1.2.2" id="twbbwg-circle-js"></script> <script type="text/javascript" id="twbbwg-global-js-extra"> /* <![CDATA[ */ var twb = {"nonce":"ac25db1e01","ajax_url":"https:\/\/bpi.com\/wp-admin\/admin-ajax.php","plugin_url":"https:\/\/bpi.com\/wp-content\/plugins\/photo-gallery\/booster","href":"https:\/\/bpi.com\/wp-admin\/admin.php?page=twbbwg_photo-gallery"}; var twb = {"nonce":"ac25db1e01","ajax_url":"https:\/\/bpi.com\/wp-admin\/admin-ajax.php","plugin_url":"https:\/\/bpi.com\/wp-content\/plugins\/photo-gallery\/booster","href":"https:\/\/bpi.com\/wp-admin\/admin.php?page=twbbwg_photo-gallery"}; /* ]]> */ </script> <script type="text/javascript" src="https://bpi.com/wp-content/plugins/photo-gallery/booster/assets/js/global.js?ver=1.0.0" id="twbbwg-global-js"></script> <script type="text/javascript" src="//www.powr.io/powr.js?external-type=wordpress&ver=6.7.1" id="powr-js-js"></script> <script type="text/javascript" src="https://bpi.com/wp-content/plugins/photo-gallery/js/jquery.sumoselect.min.js?ver=3.4.6" id="sumoselect-js"></script> <script type="text/javascript" src="https://bpi.com/wp-content/plugins/photo-gallery/js/tocca.min.js?ver=2.0.9" id="bwg_mobile-js"></script> <script type="text/javascript" src="https://bpi.com/wp-content/plugins/photo-gallery/js/jquery.mCustomScrollbar.concat.min.js?ver=3.1.5" id="mCustomScrollbar-js"></script> <script type="text/javascript" src="https://bpi.com/wp-content/plugins/photo-gallery/js/jquery.fullscreen.min.js?ver=0.6.0" id="jquery-fullscreen-js"></script> <script type="text/javascript" id="bwg_frontend-js-extra"> /* <![CDATA[ */ var bwg_objectsL10n = {"bwg_field_required":"field is required.","bwg_mail_validation":"This is not a valid email address.","bwg_search_result":"There are no images matching your search.","bwg_select_tag":"Select Tag","bwg_order_by":"Order By","bwg_search":"Search","bwg_show_ecommerce":"Show Ecommerce","bwg_hide_ecommerce":"Hide Ecommerce","bwg_show_comments":"Show Comments","bwg_hide_comments":"Hide Comments","bwg_restore":"Restore","bwg_maximize":"Maximize","bwg_fullscreen":"Fullscreen","bwg_exit_fullscreen":"Exit Fullscreen","bwg_search_tag":"SEARCH...","bwg_tag_no_match":"No tags found","bwg_all_tags_selected":"All tags selected","bwg_tags_selected":"tags selected","play":"Play","pause":"Pause","is_pro":"","bwg_play":"Play","bwg_pause":"Pause","bwg_hide_info":"Hide info","bwg_show_info":"Show info","bwg_hide_rating":"Hide rating","bwg_show_rating":"Show rating","ok":"Ok","cancel":"Cancel","select_all":"Select all","lazy_load":"0","lazy_loader":"https:\/\/bpi.com\/wp-content\/plugins\/photo-gallery\/images\/ajax_loader.png","front_ajax":"0","bwg_tag_see_all":"see all tags","bwg_tag_see_less":"see less tags"}; /* ]]> */ </script> <script type="text/javascript" src="https://bpi.com/wp-content/plugins/photo-gallery/js/scripts.min.js?ver=1.8.31" id="bwg_frontend-js"></script> <script type="text/javascript" id="sdm-scripts-js-extra"> /* <![CDATA[ */ var sdm_ajax_script = {"ajaxurl":"https:\/\/bpi.com\/wp-admin\/admin-ajax.php"}; /* ]]> */ </script> <script type="text/javascript" src="https://bpi.com/wp-content/plugins/simple-download-monitor/js/sdm_wp_scripts.js?ver=6.7.1" id="sdm-scripts-js"></script> <script type="text/javascript" src="https://bpi.com/wp-includes/js/dist/vendor/moment.min.js?ver=2.30.1" id="moment-js"></script> <script type="text/javascript" id="moment-js-after"> /* <![CDATA[ */ moment.updateLocale( 'en_US', {"months":["January","February","March","April","May","June","July","August","September","October","November","December"],"monthsShort":["Jan","Feb","Mar","Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec"],"weekdays":["Sunday","Monday","Tuesday","Wednesday","Thursday","Friday","Saturday"],"weekdaysShort":["Sun","Mon","Tue","Wed","Thu","Fri","Sat"],"week":{"dow":1},"longDateFormat":{"LT":"g:i a","LTS":null,"L":null,"LL":"F j, Y","LLL":"F j, Y g:i a","LLLL":null}} ); /* ]]> */ </script> <script type="text/javascript" src="https://cdn.jsdelivr.net/npm/daterangepicker/daterangepicker.min.js?ver=latest" id="daterangepicker-js"></script> <script type="text/javascript" src="https://kit.fontawesome.com/71d3bd93c8.js?ver=6.7.1" id="font-awesome-js"></script> <script type="text/javascript" src="https://cdn.jsdelivr.net/npm/slick-carousel@1.8.1/slick/slick.min.js?ver=6.7.1" id="slick-js"></script> <script type="text/javascript" id="__ytprefs__-js-extra"> /* <![CDATA[ */ var _EPYT_ = {"ajaxurl":"https:\/\/bpi.com\/wp-admin\/admin-ajax.php","security":"7562e26019","gallery_scrolloffset":"20","eppathtoscripts":"https:\/\/bpi.com\/wp-content\/plugins\/youtube-embed-plus\/scripts\/","eppath":"https:\/\/bpi.com\/wp-content\/plugins\/youtube-embed-plus\/","epresponsiveselector":"[\"iframe.__youtube_prefs__\",\"iframe[src*='youtube.com']\",\"iframe[src*='youtube-nocookie.com']\",\"iframe[data-ep-src*='youtube.com']\",\"iframe[data-ep-src*='youtube-nocookie.com']\",\"iframe[data-ep-gallerysrc*='youtube.com']\"]","epdovol":"1","version":"14.2.1.2","evselector":"iframe.__youtube_prefs__[src], iframe[src*=\"youtube.com\/embed\/\"], iframe[src*=\"youtube-nocookie.com\/embed\/\"]","ajax_compat":"","maxres_facade":"eager","ytapi_load":"light","pause_others":"","stopMobileBuffer":"1","facade_mode":"1","not_live_on_channel":"","vi_active":"","vi_js_posttypes":[]}; /* ]]> */ </script> <script type="text/javascript" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/scripts/ytprefs.min.js?ver=14.2.1.2" id="__ytprefs__-js"></script> <script type="text/javascript" src="https://bpi.com/wp-content/plugins/wp-quicklatex/js/wp-quicklatex-frontend.js?ver=1.0" id="wp-quicklatex-frontend-js"></script> <link rel="https://api.w.org/" href="https://bpi.com/wp-json/" /><link rel="alternate" title="JSON" type="application/json" href="https://bpi.com/wp-json/wp/v2/pages/29117" /><link rel="EditURI" type="application/rsd+xml" title="RSD" href="https://bpi.com/xmlrpc.php?rsd" /> <meta name="generator" content="WordPress 6.7.1" /> <link rel='shortlink' href='https://bpi.com/?p=29117' /> <link rel="alternate" title="oEmbed (JSON)" type="application/json+oembed" href="https://bpi.com/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fbpi.com%2Fmedia%2Fbpi-multimedia-gallery%2F" /> <link rel="alternate" title="oEmbed (XML)" type="text/xml+oembed" href="https://bpi.com/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fbpi.com%2Fmedia%2Fbpi-multimedia-gallery%2F&format=xml" /> <script src="https://my.hellobar.com/bc14c1025a2fec8452133e6d41278082399e89f0.js" type="text/javascript" charset="utf-8" async="async"></script><style type="text/css">.blue-message { background: none repeat scroll 0 0 #3399ff; color: #ffffff; text-shadow: none; font-size: 14px; line-height: 24px; padding: 10px; } .green-message { background: none repeat scroll 0 0 #8cc14c; color: #ffffff; text-shadow: none; font-size: 14px; line-height: 24px; padding: 10px; } .orange-message { background: none repeat scroll 0 0 #faa732; color: #ffffff; text-shadow: none; font-size: 14px; line-height: 24px; padding: 10px; } .red-message { background: none repeat scroll 0 0 #da4d31; color: #ffffff; text-shadow: none; font-size: 14px; line-height: 24px; padding: 10px; } .grey-message { background: none repeat scroll 0 0 #53555c; color: #ffffff; text-shadow: none; font-size: 14px; line-height: 24px; padding: 10px; } .left-block { background: none repeat scroll 0 0px, radial-gradient(ellipse at center center, #ffffff 0%, #f2f2f2 100%) repeat scroll 0 0 rgba(0, 0, 0, 0); color: #8b8e97; padding: 10px; margin: 10px; float: left; } .right-block { background: none repeat scroll 0 0px, radial-gradient(ellipse at center center, #ffffff 0%, #f2f2f2 100%) repeat scroll 0 0 rgba(0, 0, 0, 0); color: #8b8e97; padding: 10px; margin: 10px; float: right; } .blockquotes { background: none; border-left: 5px solid #f1f1f1; color: #8B8E97; font-size: 14px; font-style: italic; line-height: 22px; padding-left: 15px; padding: 10px; width: 60%; float: left; } </style><link rel="icon" href="https://bpi.com/wp-content/uploads/2019/05/cropped-cropped-bpi-favicon-32x32.png" sizes="32x32" /> <link rel="icon" href="https://bpi.com/wp-content/uploads/2019/05/cropped-cropped-bpi-favicon-192x192.png" sizes="192x192" /> <link rel="apple-touch-icon" href="https://bpi.com/wp-content/uploads/2019/05/cropped-cropped-bpi-favicon-180x180.png" /> <meta name="msapplication-TileImage" content="https://bpi.com/wp-content/uploads/2019/05/cropped-cropped-bpi-favicon-270x270.png" /> <style type="text/css" id="wp-custom-css"> .wp-block-quote { margin-top: 20px; margin-bottom: 40px; padding-top: 0px; padding-bottom: 0px; } .wysiwyg blockquote cite { margin-top: 0.25rem; text-align: left; color: #6b6a71; width: 100%; padding-left: 0.75em; } .wysiwyg blockquote, .wysiwyg blockquote p { font-size: 1.25rem; line-height: 1.8; font-family: Open Sans,sans-serif; font-style: normal; font-weight: 400; padding: 0.75em; color: #6b6a71; } @media only screen and (max-width: 775px) { .wysiwyg blockquote, .wysiwyg blockquote p { font-size: 1.125rem; } } .wysiwyg blockquote cite { position: static; margin-top: 0.25rem; text-align: left; color: #6b6a71; } .wysiwyg blockquote cite:before { content: "–"; margin-right: 6px; } .wysiwyg blockquote:before { content: none; } .wysiwyg blockquote { font-size: auto; font-family: Open Sans,sans-serif; border: 0; margin: 1.5em 0.5em; padding: 0.75m; line-height: 1.8; color: #6b6a71; } .algolia-result { margin-bottom: 1em; } .p2, .wysiwyg .has-large-font-size, .wysiwyg .has-regular-font-size, .wysiwyg ol li, .wysiwyg p, .wysiwyg ul li, body.error404 .subtitle-404 { overflow-wrap: break-word; } .gf_coupon_item { color: white; } @media all and (max-width: 768px) { .hide-on-mobile { display: none !important; }} .gmap-responsive{ overflow:hidden; padding-bottom:56.25%; position:relative; border:none; height:0; } .gmap-responsive iframe{ left:0; top:0; height:100%; width:100%; position:absolute; top:-70px; border:none; } .pref-hotel-table td{ padding: 10px; } .advgb-recent-posts-block .advgb-recent-post .advgb-post-title { font-size: 1.25rem; } .breadcrumbs { overflow: hidden; } @media all and (max-width: 768px) { .wp-block-column:not(:only-child) { flex-basis: calc(100% - 1em)!important; flex-grow: 0; }} @media all and (max-width: 768px) { .block-bits-research .column .featured-posts { flex-wrap:nowrap!important; }} @media only screen and (max-width: 416px) { #bio-button { margin-top: .25rem; }} @media only screen and (max-width: 416px) { #cv-button { margin-top: .25rem; }} @media only screen and (max-width: 416px) { #headshot-button { margin-top: .25rem; }} .staff-interview a { padding-top: 0px!important; } .block-post-spotlight .block-title { margin-left: 0px; } .menu-button .nav-main-link { background-color: #ff9b00; color: #ffffff; padding: 3px 10px; border-radius: 6px; text-decoration: none; display: inline-block; text-align: center; transition: background-color 0.3s ease; } @media only screen and (max-width: 768px) { .menu-button .nav-main-link { margin-top: 10px; /* Adjust the value as needed */ } } </style> <!--[if lt IE 9]> <script src="//oss.maxcdn.com/libs/html5shiv/3.7.0/html5shiv.js"></script> <script src="//oss.maxcdn.com/libs/respond.js/1.4.2/respond.min.js"></script> <![endif]--> <!--[if lt IE 10]> <script src="//cdnjs.cloudflare.com/ajax/libs/placeholders/4.0.1/placeholders.jquery.min.js"></script> <![endif]--> <!-- Google Tag Manager --> <script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-K82HJCX');</script> <!-- End Google Tag Manager --> <meta name="facebook-domain-verification" content="kiyyoqqmcmy8zqrhhj3vt8la9c0m8i" /> </head> <body class="page-template-default page page-id-29117 page-child parent-pageid-5057 wp-embed-responsive"> <!-- Google Tag Manager (noscript) --> <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-K82HJCX" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript> <!-- End Google Tag Manager (noscript) --> <a class="skip-link" href="#main">Skip to content</a> <div class="modal is-hidden modal-youtube"> <div class="modal-embed-container"> <div class="modal-youtube-embed"> <div class="modal-youtube-close js-hideYoutubeModal"> Close <span class="icon far fa-times"></span> </div> <div class="modal-youtube-iframe"></div> </div> </div> </div> <header> <a href="/"><img data-skip-lazy class="logo long-logo" src="/wp-content/themes/bpi/assets/images/bpi-logo.png" alt="Bank Policy Institute"><img data-skip-lazy class="logo short-logo" src="/wp-content/themes/bpi/assets/images/bpi-mark.png" alt="Bank Policy Institute"></a> <nav> <ul> <li class=" menu-item menu-item-type-custom menu-item-object-custom menu-item-10423 menu-item-has-children"> <a class="nav-main-link" href="/about-us" >About Us <span class="far fa-angle-down"></span> </a> <ul class="dropdown"> <li> <a href="/about-us" >Overview</a> </li> <li> <a href="/about-us#membership" >Membership</a> </li> <li> <a href="/about-us#board-members" >Leadership</a> </li> <li> <a href="/about-us#bpi-team" >Our Team</a> </li> <li> <a href="/bits" >About BITS</a> </li> <li> <a href="https://bpi.com/research-team/" >About the Research Team</a> </li> <li> <a href="https://bpi.com/careers/" >Careers</a> </li> <li> <a href="/contact-us" >Contact Us</a> </li> <li> <a href="https://bpi.com/frequently-asked-questions/" >Frequently Asked Questions</a> </li> </ul> </li> <li class="menu-item-has-children menu-item menu-item-type-custom menu-item-object-custom menu-item-10432"> <a class="nav-main-link" href="/issues-and-topics/" >Issues <span class="far fa-angle-down"></span> </a> <div class="topics-dropdown-container"> <div class="dropdown topics-dropdown"> <div> <div class="topics"> <span class="dropdown-title topic-title">Topics</span> <ul> <li> <a href="https://bpi.com/category/aml-cft/" >AML, Bank Secrecy Act</a> </li> <li> <a href="https://bpi.com/category/activities-structure/" >Bank Activities and Structure</a> </li> <li> <a href="https://bpi.com/category/capital-stresstesting/" >Bank Capital</a> </li> <li> <a href="https://bpi.com/category/liquidity/" >Bank Liquidity</a> </li> <li> <a href="https://bpi.com/category/capital-stresstesting/basel-finalization/" >Basel Finalization</a> </li> <li> <a href="https://bpi.com/category/consumer-affairs/" >Consumer Affairs</a> </li> <li> <a href="https://bpi.com/category/cybersecurity/" >Cybersecurity</a> </li> <li> <a href="https://bpi.com/mergers-and-acquisitions/" >Mergers and Acquisitions</a> </li> <li> <a href="https://bpi.com/category/capital-stresstesting/stress-testing/" >Stress Testing</a> </li> <li> <a href="https://bpi.com/category/supervision-enforcement/" >Supervision & Enforcement</a> </li> </ul> <a href="/issues-and-topics/" class="button primary small">View All Issues</a> <button class="issues-mobile-switch"> <span>Issues in Focus</span> <span class="far fa-angle-right"></span> </button> </div> <div class="issues"> <button class="topics-mobile-switch"> <span class="far fa-angle-left"></span> Back</button> <span class="dropdown-title">Issues in Focus</span> <div class="issues-image"> <a href="https://chainstorecharity.com/" rel="nofollow noopener"> <img src="https://bpi.com/wp-content/uploads/2024/07/IMG_4104.png"> </a> </div> <a class="dropdown-title overview-title" href="/initiatives" >Latest Projects</a> <ul> <li> <a href="https://bpi.com/basel-accord/" >Basel III Accord U.S. Finalization</a> </li> <li> <a href="https://bpi.com/category/fintech-innovation/digital-assets/central-bank-digital-currency/" >Central Bank Digital Currency</a> </li> <li> <a href="https://bpi.com/bank-commitments-to-improve-diversity-and-inclusion/" >Diversity and Inclusion</a> </li> <li> <a href="/everyday-bpi" >Economic Impact of BPI Members</a> </li> <li> <a href="https://bpi.com/fed-account-access/" >Fed Account Access for Nonbanks</a> </li> <li> <a href="https://keepbankingsafe.com/" >FinTech, Big Tech and the Safety of the Banking System</a> </li> <li> <a href="https://bpi.com/category/supervision-enforcement/silicon-valley-bank/" >Silicon Valley Bank</a> </li> </ul> </div> </div> </div> </div> </li> <li class=" menu-item menu-item-type-custom menu-item-object-custom menu-item-10434 menu-item-has-children"> <a class="nav-main-link" href="/initiatives" >Projects <span class="far fa-angle-down"></span> </a> <ul class="dropdown"> <li> <a href="https://bpi.com/americas-large-banks-foundation-of-free-enterprise/" >Banks: Foundation of Free Enterprise</a> </li> <li> <a href="https://chainstorecharity.com/" >Chain Store Charity</a> </li> <li> <a href="https://bpi.com/bank-commitments-to-improve-diversity-and-inclusion/" >Diversity and Inclusion</a> </li> <li> <a href="/everyday-bpi/" >Economic Impact of BPI Members</a> </li> <li> <a href="http://endanonymousshellcompanies.com/" target=_blank>End Anonymous Shell Companies</a> </li> <li> <a href="https://bpi.com/fed-account-access/" >Fed Account Access for Nonbanks</a> </li> <li> <a href="https://bpi.com/stress-tests/" >Federal Reserve Annual Stress Test</a> </li> <li> <a href="https://keepbankingsafe.com" target=_blank>Keep Banking Safe</a> </li> <li> <a href="https://bpi.com/mergers-and-acquisitions/" >Mergers and Acquisitions</a> </li> <li> <a href="/sheltered-harbor/" >Sheltered Harbor</a> </li> <li> <a href="https://stopbaselendgame.com" >Stop Basel Endgame</a> </li> </ul> </li> <li class=" menu-item menu-item-type-custom menu-item-object-custom menu-item-21530 menu-item-has-children"> <a class="nav-main-link" href="/resources" >Resources <span class="far fa-angle-down"></span> </a> <ul class="dropdown"> <li> <a href="https://bpi.com/document-type/comment-letters/" >Comment Letters</a> </li> <li> <a href="https://bpi.com/document-type/congressional-letters/" >Congressional Letters</a> </li> <li> <a href="https://bpi.com/document-type/one-pagers/" >One-pagers</a> </li> <li> <a href="https://bpi.com/document-type/reportswhite-papers/" >Reports and Research Notes</a> </li> <li> <a href="https://bpi.com/document-type/testimonies/" >Testimonies</a> </li> <li> <a href="https://bpi.com/search/" >All Recent Content</a> </li> </ul> </li> <li class=" menu-item menu-item-type-post_type menu-item-object-page current-page-ancestor current-menu-ancestor current-menu-parent current-page-parent current_page_parent current_page_ancestor menu-item-10737 menu-item-has-children"> <a class="nav-main-link" href="https://bpi.com/media/" >Media <span class="far fa-angle-down"></span> </a> <ul class="dropdown"> <li> <a href="https://bpi.com/media/media-contacts/" >Media Contacts</a> </li> <li> <a href="https://bpi.com/document-type/press/" >Press Releases</a> </li> <li> <a href="https://bpi.com/document-type/newsletter/" >Newsletters</a> </li> <li> <a href="https://bpi.com/category/research-exchange/" >Research Exchange</a> </li> <li> <a href="https://bpi.com/document-type/podcasts/" >Podcasts</a> </li> <li> <a href="https://bpi.com/document-type/news/" >Op-Eds & Highlights</a> </li> <li> <a href="https://bpi.com/media/bpi-multimedia-gallery/" >Multimedia Hub</a> </li> </ul> </li> <li class=" menu-item menu-item-type-custom menu-item-object-custom menu-item-10436"> <a class="nav-main-link" href="/blog">Blog</a> </li> <li class="menu-button menu-item menu-item-type-custom menu-item-object-custom menu-item-47723"> <a class="nav-main-link" href="https://bpi.com/sign-up/">Subscribe</a> </li> </ul> </nav> <div class="header-end normal-end"> <button class="button text search-button" aria-label="Search"> <span class="fas fa-search"></span> </button> <button class="button text mobile-menu-button" aria-label="Menu"> <span class="fas fa-bars"></span> </button> </div> <div id="search-bar"> <algolia-search-cta index-prefix="prod_"/> </div> </header> <main id="main"> <section class="page-head"> <div id="search-cta"> <algolia-search-cta index-prefix="prod_"/> </div> <span class="subtitle"> </span> <h1 class="post-title">MultiMedia Hub</h1> </section> <section class="breadcrumbs"> <div class="breadcrumbs-holder"> <a href="/" title="Bank Policy Institute Homepage" class="breadcrumb-item"> Home </a><span class="separator">/</span> <a href="https://bpi.com/media/" title="Media" class="breadcrumb-item">Media</a><span class="separator">/</span> <a href="https://bpi.com/media/bpi-multimedia-gallery/" title="MultiMedia Hub" class="breadcrumb-item">MultiMedia Hub</a> </div> </section> <section class="container-1000 wysiwyg"> <p></p> <div class="epyt-gallery" data-currpage="1" id="epyt_gallery_36029"><figure class="wp-block-embed wp-block-embed-youtube is-type-video is-provider-youtube epyt-figure"><div class="wp-block-embed__wrapper"><div class="epyt-video-wrapper"><div style="display: block; margin: 0px auto;" id="_ytid_39346" width="800" height="450" data-origwidth="800" data-origheight="450" data-relstop="1" data-facadesrc="https://www.youtube.com/embed/L-lezJpja_s?enablejsapi=1&autoplay=0&cc_load_policy=0&cc_lang_pref=&iv_load_policy=1&loop=0&modestbranding=1&rel=0&fs=1&playsinline=0&autohide=2&theme=dark&color=red&controls=1&" class="__youtube_prefs__ epyt-facade no-lazyload" data-epytgalleryid="epyt_gallery_36029" data-epautoplay="1" ><img decoding="async" data-spai-excluded="true" class="epyt-facade-poster skip-lazy" loading="lazy" alt="YouTube player" src="https://i.ytimg.com/vi/L-lezJpja_s/maxresdefault.jpg" /><button class="epyt-facade-play" aria-label="Play"><svg data-no-lazy="1" height="100%" version="1.1" viewBox="0 0 68 48" width="100%"><path class="ytp-large-play-button-bg" d="M66.52,7.74c-0.78-2.93-2.49-5.41-5.42-6.19C55.79,.13,34,0,34,0S12.21,.13,6.9,1.55 C3.97,2.33,2.27,4.81,1.48,7.74C0.06,13.05,0,24,0,24s0.06,10.95,1.48,16.26c0.78,2.93,2.49,5.41,5.42,6.19 C12.21,47.87,34,48,34,48s21.79-0.13,27.1-1.55c2.93-0.78,4.64-3.26,5.42-6.19C67.94,34.95,68,24,68,24S67.94,13.05,66.52,7.74z" fill="#f00"></path><path d="M 45,24 27,14 27,34" fill="#fff"></path></svg></button></div></div></div></figure><div class="epyt-gallery-list"><div class="epyt-pagination "><div tabindex="0" role="button" class="epyt-pagebutton epyt-prev hide " data-playlistid="UUdKTUhAHfnwXQORaEbdK5UQ" data-pagesize="15" data-pagetoken="" data-epcolumns="3" data-showtitle="1" data-showpaging="1" data-autonext="0" data-thumbplay="1"><div class="epyt-arrow">«</div> <div>Prev</div></div><div class="epyt-pagenumbers "><div class="epyt-current">1</div><div class="epyt-pageseparator"> / </div><div class="epyt-totalpages">9</div></div><div tabindex="0" role="button" class="epyt-pagebutton epyt-next" data-playlistid="UUdKTUhAHfnwXQORaEbdK5UQ" data-pagesize="15" data-pagetoken="EAAafVBUOkNBOGlFRE0yUmtOQ05ESTJSalJHUkRGQ056SW9BVWlnLTVxSHd1cUpBMUFCV2pnaVEyaG9WbFpYVWt4V1JsWnZVVlZvYldKdVpGbFZWVGxUV1ZWV2FWcEZjekZXVmtWVFJFRnFkWGRtWVRWQ2FFTkJNbkpRV2tGM0ln" data-epcolumns="3" data-showtitle="1" data-showpaging="1" data-autonext="0" data-thumbplay="1"><div>Next</div> <div class="epyt-arrow">»</div></div><div class="epyt-loader"><img loading="lazy" decoding="async" alt="loading" width="16" height="11" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/images/gallery-page-loader.gif"></div></div><div class="epyt-gallery-allthumbs epyt-cols-3 "><div tabindex="0" role="button" data-videoid="L-lezJpja_s" class="epyt-gallery-thumb"><div class="epyt-gallery-img-box"><div class="epyt-gallery-img" style="background-image: url(https://i.ytimg.com/vi/L-lezJpja_s/hqdefault.jpg)"><div class="epyt-gallery-playhover"><img loading="lazy" decoding="async" alt="play" class="epyt-play-img" width="30" height="23" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/images/playhover.png" data-no-lazy="1" data-skipgform_ajax_framebjll="" /><div class="epyt-gallery-playcrutch"></div></div></div></div><div class="epyt-gallery-title">Section 1033: What it Means and Why Banks are Challenging the Rule</div></div><div tabindex="0" role="button" data-videoid="Bh7mtDdHo94" class="epyt-gallery-thumb"><div class="epyt-gallery-img-box"><div class="epyt-gallery-img" style="background-image: url(https://i.ytimg.com/vi/Bh7mtDdHo94/hqdefault.jpg)"><div class="epyt-gallery-playhover"><img loading="lazy" decoding="async" alt="play" class="epyt-play-img" width="30" height="23" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/images/playhover.png" data-no-lazy="1" data-skipgform_ajax_framebjll="" /><div class="epyt-gallery-playcrutch"></div></div></div></div><div class="epyt-gallery-title">Survey Finds Consumers Value Debit Card Convenience and Security Over Government Price Fixing</div></div><div tabindex="0" role="button" data-videoid="Gu30ykDvGJQ" class="epyt-gallery-thumb"><div class="epyt-gallery-img-box"><div class="epyt-gallery-img" style="background-image: url(https://i.ytimg.com/vi/Gu30ykDvGJQ/hqdefault.jpg)"><div class="epyt-gallery-playhover"><img loading="lazy" decoding="async" alt="play" class="epyt-play-img" width="30" height="23" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/images/playhover.png" data-no-lazy="1" data-skipgform_ajax_framebjll="" /><div class="epyt-gallery-playcrutch"></div></div></div></div><div class="epyt-gallery-title">BPI's Pat Warren testifies on Cyber Harmonization</div></div><div class="epyt-gallery-rowbreak"></div><div tabindex="0" role="button" data-videoid="A-D-hNQ8zUU" class="epyt-gallery-thumb"><div class="epyt-gallery-img-box"><div class="epyt-gallery-img" style="background-image: url(https://i.ytimg.com/vi/A-D-hNQ8zUU/hqdefault.jpg)"><div class="epyt-gallery-playhover"><img loading="lazy" decoding="async" alt="play" class="epyt-play-img" width="30" height="23" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/images/playhover.png" data-no-lazy="1" data-skipgform_ajax_framebjll="" /><div class="epyt-gallery-playcrutch"></div></div></div></div><div class="epyt-gallery-title">Pat Warren Testifies Before House Oversight Security Subcommittee on Cyber Harmonization</div></div><div tabindex="0" role="button" data-videoid="XBO4zwsD4QI" class="epyt-gallery-thumb"><div class="epyt-gallery-img-box"><div class="epyt-gallery-img" style="background-image: url(https://i.ytimg.com/vi/XBO4zwsD4QI/hqdefault.jpg)"><div class="epyt-gallery-playhover"><img loading="lazy" decoding="async" alt="play" class="epyt-play-img" width="30" height="23" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/images/playhover.png" data-no-lazy="1" data-skipgform_ajax_framebjll="" /><div class="epyt-gallery-playcrutch"></div></div></div></div><div class="epyt-gallery-title">BPI’s Francisco Covas testifies on Federal Reserve Stress Testing</div></div><div tabindex="0" role="button" data-videoid="gUru1psnzBQ" class="epyt-gallery-thumb"><div class="epyt-gallery-img-box"><div class="epyt-gallery-img" style="background-image: url(https://i.ytimg.com/vi/gUru1psnzBQ/hqdefault.jpg)"><div class="epyt-gallery-playhover"><img loading="lazy" decoding="async" alt="play" class="epyt-play-img" width="30" height="23" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/images/playhover.png" data-no-lazy="1" data-skipgform_ajax_framebjll="" /><div class="epyt-gallery-playcrutch"></div></div></div></div><div class="epyt-gallery-title">Francisco Covas Testifies Before House Financial Services Committee on Federal Reserve Stress Tests</div></div><div class="epyt-gallery-rowbreak"></div><div tabindex="0" role="button" data-videoid="JK2wL2G9ZYU" class="epyt-gallery-thumb"><div class="epyt-gallery-img-box"><div class="epyt-gallery-img" style="background-image: url(https://i.ytimg.com/vi/JK2wL2G9ZYU/hqdefault.jpg)"><div class="epyt-gallery-playhover"><img loading="lazy" decoding="async" alt="play" class="epyt-play-img" width="30" height="23" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/images/playhover.png" data-no-lazy="1" data-skipgform_ajax_framebjll="" /><div class="epyt-gallery-playcrutch"></div></div></div></div><div class="epyt-gallery-title">Heather Hogsett Testifies Before House Homeland Security Committee on Cyber Incident Reporting Rule</div></div><div tabindex="0" role="button" data-videoid="YL98xOks_Zw" class="epyt-gallery-thumb"><div class="epyt-gallery-img-box"><div class="epyt-gallery-img" style="background-image: url(https://i.ytimg.com/vi/YL98xOks_Zw/hqdefault.jpg)"><div class="epyt-gallery-playhover"><img loading="lazy" decoding="async" alt="play" class="epyt-play-img" width="30" height="23" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/images/playhover.png" data-no-lazy="1" data-skipgform_ajax_framebjll="" /><div class="epyt-gallery-playcrutch"></div></div></div></div><div class="epyt-gallery-title">Paige Pidano Paridon Testifies Before House Financial Services on Central Bank Digital Currency</div></div><div tabindex="0" role="button" data-videoid="w_8EwX21ng8" class="epyt-gallery-thumb"><div class="epyt-gallery-img-box"><div class="epyt-gallery-img" style="background-image: url(https://i.ytimg.com/vi/w_8EwX21ng8/hqdefault.jpg)"><div class="epyt-gallery-playhover"><img loading="lazy" decoding="async" alt="play" class="epyt-play-img" width="30" height="23" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/images/playhover.png" data-no-lazy="1" data-skipgform_ajax_framebjll="" /><div class="epyt-gallery-playcrutch"></div></div></div></div><div class="epyt-gallery-title">Greg Baer Testifies Before House Financial Services Committee on Basel Three Endgame Proposal</div></div><div class="epyt-gallery-rowbreak"></div><div tabindex="0" role="button" data-videoid="ikLxBlygVtk" class="epyt-gallery-thumb"><div class="epyt-gallery-img-box"><div class="epyt-gallery-img" style="background-image: url(https://i.ytimg.com/vi/ikLxBlygVtk/hqdefault.jpg)"><div class="epyt-gallery-playhover"><img loading="lazy" decoding="async" alt="play" class="epyt-play-img" width="30" height="23" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/images/playhover.png" data-no-lazy="1" data-skipgform_ajax_framebjll="" /><div class="epyt-gallery-playcrutch"></div></div></div></div><div class="epyt-gallery-title">Bill Nelson Testifies Before House Financial Services Committee on the Discount Window</div></div><div tabindex="0" role="button" data-videoid="_yZSj61xs3w" class="epyt-gallery-thumb"><div class="epyt-gallery-img-box"><div class="epyt-gallery-img" style="background-image: url(https://i.ytimg.com/vi/_yZSj61xs3w/hqdefault.jpg)"><div class="epyt-gallery-playhover"><img loading="lazy" decoding="async" alt="play" class="epyt-play-img" width="30" height="23" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/images/playhover.png" data-no-lazy="1" data-skipgform_ajax_framebjll="" /><div class="epyt-gallery-playcrutch"></div></div></div></div><div class="epyt-gallery-title">BPI's Heather Hogsett testifies on Cyber Incident Reporting for Critical Infrastructure Act (CIRCIA)</div></div><div tabindex="0" role="button" data-videoid="-7lCFSBID40" class="epyt-gallery-thumb"><div class="epyt-gallery-img-box"><div class="epyt-gallery-img" style="background-image: url(https://i.ytimg.com/vi/-7lCFSBID40/hqdefault.jpg)"><div class="epyt-gallery-playhover"><img loading="lazy" decoding="async" alt="play" class="epyt-play-img" width="30" height="23" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/images/playhover.png" data-no-lazy="1" data-skipgform_ajax_framebjll="" /><div class="epyt-gallery-playcrutch"></div></div></div></div><div class="epyt-gallery-title">10 Highlights from Jerome Powell's Testimonies</div></div><div class="epyt-gallery-rowbreak"></div><div tabindex="0" role="button" data-videoid="QJupz5rdPbU" class="epyt-gallery-thumb"><div class="epyt-gallery-img-box"><div class="epyt-gallery-img" style="background-image: url(https://i.ytimg.com/vi/QJupz5rdPbU/hqdefault.jpg)"><div class="epyt-gallery-playhover"><img loading="lazy" decoding="async" alt="play" class="epyt-play-img" width="30" height="23" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/images/playhover.png" data-no-lazy="1" data-skipgform_ajax_framebjll="" /><div class="epyt-gallery-playcrutch"></div></div></div></div><div class="epyt-gallery-title">7 Key Takeaways – HFSC Subcommittee Hearing on Basel III Endgame</div></div><div tabindex="0" role="button" data-videoid="HyG_XQ5J7Fs" class="epyt-gallery-thumb"><div class="epyt-gallery-img-box"><div class="epyt-gallery-img" style="background-image: url(https://i.ytimg.com/vi/HyG_XQ5J7Fs/hqdefault.jpg)"><div class="epyt-gallery-playhover"><img loading="lazy" decoding="async" alt="play" class="epyt-play-img" width="30" height="23" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/images/playhover.png" data-no-lazy="1" data-skipgform_ajax_framebjll="" /><div class="epyt-gallery-playcrutch"></div></div></div></div><div class="epyt-gallery-title">CFPB Late Fee Proposal Ignores Facts and Threatens Access to Affordable Credit</div></div><div tabindex="0" role="button" data-videoid="nrdodiQVFLw" class="epyt-gallery-thumb"><div class="epyt-gallery-img-box"><div class="epyt-gallery-img" style="background-image: url(https://i.ytimg.com/vi/nrdodiQVFLw/hqdefault.jpg)"><div class="epyt-gallery-playhover"><img loading="lazy" decoding="async" alt="play" class="epyt-play-img" width="30" height="23" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/images/playhover.png" data-no-lazy="1" data-skipgform_ajax_framebjll="" /><div class="epyt-gallery-playcrutch"></div></div></div></div><div class="epyt-gallery-title">Customers Are Best Served When Policy Is Based on Data, Not Politics</div></div><div class="epyt-gallery-rowbreak"></div><div class="epyt-gallery-clear"></div></div><div class="epyt-pagination "><div tabindex="0" role="button" class="epyt-pagebutton epyt-prev hide " data-playlistid="UUdKTUhAHfnwXQORaEbdK5UQ" data-pagesize="15" data-pagetoken="" data-epcolumns="3" data-showtitle="1" data-showpaging="1" data-autonext="0" data-thumbplay="1"><div class="epyt-arrow">«</div> <div>Prev</div></div><div class="epyt-pagenumbers "><div class="epyt-current">1</div><div class="epyt-pageseparator"> / </div><div class="epyt-totalpages">9</div></div><div tabindex="0" role="button" class="epyt-pagebutton epyt-next" data-playlistid="UUdKTUhAHfnwXQORaEbdK5UQ" data-pagesize="15" data-pagetoken="EAAafVBUOkNBOGlFRE0yUmtOQ05ESTJSalJHUkRGQ056SW9BVWlnLTVxSHd1cUpBMUFCV2pnaVEyaG9WbFpYVWt4V1JsWnZVVlZvYldKdVpGbFZWVGxUV1ZWV2FWcEZjekZXVmtWVFJFRnFkWGRtWVRWQ2FFTkJNbkpRV2tGM0ln" data-epcolumns="3" data-showtitle="1" data-showpaging="1" data-autonext="0" data-thumbplay="1"><div>Next</div> <div class="epyt-arrow">»</div></div><div class="epyt-loader"><img loading="lazy" decoding="async" alt="loading" width="16" height="11" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/images/gallery-page-loader.gif"></div></div></div></div> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <div class="break-container" style="background: linear-gradient(89.84deg, #0D1A1F 8.28%, #444B6E 60.97%, #681E9C 130.02%);"> <section class="block-media-spotlight container-1100 is-media-youtube empty-thumbnail columns-2"> <div class="col-content"> <div class="content-title"> <div class="title">Powering Your Every Day</div> </div> <div class="content-html"><span class="style-scope yt-formatted-string" dir="auto">Over 2 million bank employees work every day to help create jobs, grow small businesses and drive economic growth. Learn more about the economic contributions BPI members provide to power your every day:</span> <br/> <a style="color: #ffffff; font-weight: bold;" href="https://bpi.com/everyday-bpi/" target="_blank" rel="noreferrer noopener">Learn More</a></div> </div> <div class="col-media is-youtube"> <div class="spotlight-youtube"> <div class="youtube-responsive-container"> <iframe src="https://www.youtube.com/embed/gHUgNUujtmg" frameborder="0" allowfullscreen></iframe> </div> </div> </div> </section> </div> <div style="height:40px" aria-hidden="true" class="wp-block-spacer"></div> <h2 class="wp-block-heading has-text-align-center has-dark-metal-color has-text-color" id="other">Podcasts</h2> <hr class="wp-block-separator has-text-color has-yellow-orange-color has-css-opacity has-yellow-orange-background-color has-background"/> <h4 class="wp-block-heading"><strong>Odd Lots Podcast: Why Banks Are Suddenly Borrowing From the Fed’s Discount Window</strong></h4> <p>January 13, 2023</p> <iframe allow="autoplay *; encrypted-media *; fullscreen *; clipboard-write" frameborder="0" height="175" style="width:100%;max-width:660px;overflow:hidden;background:transparent;" sandbox="allow-forms allow-popups allow-same-origin allow-scripts allow-storage-access-by-user-activation allow-top-navigation-by-user-activation" src="https://embed.podcasts.apple.com/us/podcast/why-banks-are-suddenly-borrowing-from-the-feds/id1056200096?i=1000594208912"></iframe> <p><a href="https://bpi.com/category/monetary-policy/">Monetary Policy</a> | <a href="https://bpi.com/category/liquidity/">Bank Liquidity</a></p> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <hr class="wp-block-separator has-text-color has-cool-gray-color has-alpha-channel-opacity has-cool-gray-background-color has-background is-style-wide"/> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <h4 class="wp-block-heading"><strong>FedSpeak: </strong>Fed Losses a Risk to Taxpayers</h4> <p>July 7, 2022</p> <iframe loading="lazy" style="border-radius:12px" src="https://open.spotify.com/embed/episode/5owyt0j7CJbW52XlQ6O9g5?utm_source=generator" width="100%" height="232" frameborder="0" allowfullscreen="" allow="autoplay; clipboard-write; encrypted-media; fullscreen; picture-in-picture"></iframe> <p><a href="https://bpi.com/category/monetary-policy/">Monetary Policy</a> | <a href="https://bpi.com/category/liquidity/">Bank Liquidity</a></p> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <hr class="wp-block-separator has-text-color has-cool-gray-color has-css-opacity has-cool-gray-background-color has-background"/> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <h4 class="wp-block-heading">FedSoc: Central Bank Digital Currency — Efficient Innovation or the End of the Private Banking System?</h4> <p>May 10, 2022</p> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <div class="post-podcast +mb-8"> <a class="anchor" id="podcast-anchor"></a> <h3 id="podcast-heading" class="col-md-12 section-title">Listen</h3> <div> <audio class="audio-player" data-title="Central Bank Digital Currency--Efficient Innovation or the End of the Private Banking System? audio" controls=""> <source src="https://fedsoc-cms-public.s3.amazonaws.com/event-audio/A6NLlc6TfExe66ObmapDrdUOfQPkjoxT2SEhlLoC.mp3"> </audio> </div></div> <p><a href="https://bpi.com/category/digital-assets/central-bank-digital-currency/">Central Bank Digital Currency</a> | <a href="https://bpi.com/category/fintech-innovation/">Fintech & Innovation</a></p> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <hr class="wp-block-separator has-text-color has-cool-gray-color has-css-opacity has-cool-gray-background-color has-background"/> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <h4><strong>Twitter Spaces: Spotlight on Stress Tests</strong></h4> <p>On June 27, 2022, BPI led a Twitter Spaces discussion on the 2022 annual stress tests, the results and what those results meant for the economy.</p> <p>The discussion was hosted by:</p> <ul class="wp-block-list"> <li>Francisco Covas, Executive Vice President and Head of Research at BPI</li> <li>Victoria Guida, Reporter at POLITICO</li> <li>Saul Martinez, Special Advisor at Eurasia Group</li> </ul> <center><div style="padding:56.25% 0 0 0;position:relative;"><iframe src="https://player.vimeo.com/video/725488081?h=446971fcd3&title=0&byline=0&portrait=0&speed=0&badge=0&autopause=0&player_id=0&app_id=58479/embed" allow="autoplay; fullscreen; picture-in-picture" allowfullscreen="" style="position:absolute;top:0;left:0;width:100%;height:100%;" frameborder="0"></iframe></div><br></center> <p class="media-topics-list"><a href="https://bpi.com/category/capital-stresstesting/">Bank Capital and Stress Testing</a></p> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <hr class="wp-block-separator has-text-color has-cool-gray-color has-css-opacity has-cool-gray-background-color has-background"/> <div style="height:10px" aria-hidden="true" class="wp-block-spacer"></div> <h4><strong>Macro Musings Podcast: Bill Nelson on How the Fed Fell Behind the Curve</strong></h4> <center><br><iframe loading="lazy" title="Libsyn Player" style="border: none" src="//html5-player.libsyn.com/embed/episode/id/23194577/height/90/theme/custom/thumbnail/yes/direction/backward/render-playlist/no/custom-color/00AFBA/" scrolling="no" allowfullscreen="" webkitallowfullscreen="" mozallowfullscreen="" oallowfullscreen="" msallowfullscreen="" width="100%" height="90"></center></iframe></center> <p class="media-topics-list"><a href="https://bpi.com/category/monetary-policy/">Monetary Policy</a> | <a href="https://bpi.com/category/liquidity/">Bank Liquidity</a></p> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <hr class="wp-block-separator has-text-color has-cool-gray-color has-css-opacity has-cool-gray-background-color has-background"/> <div style="height:10px" aria-hidden="true" class="wp-block-spacer"></div> <h4><strong>Bill Nelson Participates in OMFIF Podcast: Can Structural Problems in Money Markets be Resolved?</strong></h4> <center><br><iframe loading="lazy" style="border: none;" title="Fed Talk: Can structural problems in money markets be resolved? " src="https://www.podbean.com/media/player/audio/postId/12996829?url=https%3A%2F%2Fwww.podbean.com%2Few%2Fpb-pfryi-c650dd&version=1" scrolling="no" data-name="pd-iframe-player" width="100%" height="122"></iframe></center> <p class="media-topics-list"><a href="https://bpi.com/category/monetary-policy/">Monetary Policy</a> | <a href="https://bpi.com/category/liquidity/">Bank Liquidity</a></p> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <hr class="wp-block-separator has-text-color has-cool-gray-color has-css-opacity has-cool-gray-background-color has-background"/> <div style="height:10px" aria-hidden="true" class="wp-block-spacer"></div> <h4 class="wp-block-heading"><strong>Bill Nelson Participates in Macro Musings Podcast: Repo Market Stress, the Fed’s Operating System, and the Prospects for a Standing Repo Facility</strong></h4> <center><br><iframe loading="lazy" style="border: none;" src="//html5-player.libsyn.com/embed/episode/id/11522741/height/90/theme/custom/thumbnail/yes/direction/forward/render-playlist/no/custom-color/000000/" scrolling="no" allowfullscreen="allowfullscreen" width="100%" height="90"></iframe></center> <p class="media-topics-list"><a href="https://bpi.com/category/monetary-policy/">Monetary Policy</a> | <a href="https://bpi.com/category/liquidity/">Bank Liquidity</a></p> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <hr class="wp-block-separator has-text-color has-cool-gray-color has-css-opacity has-cool-gray-background-color has-background"/> <div style="height:10px" aria-hidden="true" class="wp-block-spacer"></div> <h4 class="wp-block-heading"><strong>BPI’s Josh Magri Discusses Cyber Risk and Regulation on CyberWire Podcast</strong></h4> <p><iframe loading="lazy" style="border: none;" src="//html5-player.libsyn.com/embed/episode/id/7971329/height/90/theme/custom/thumbnail/yes/preload/no/direction/backward/render-playlist/no/custom-color/f8941e/" scrolling="no" allowfullscreen="allowfullscreen" width="100%" height="90"></iframe></p> <p class="media-topics-list"><a href="https://bpi.com/category/security/cybersecurity/">Cybersecurity</a> | <a href="https://bpi.com/category/security/">Security</a></p> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <hr class="wp-block-separator has-text-color has-cool-gray-color has-css-opacity has-cool-gray-background-color has-background"/> <div style="height:10px" aria-hidden="true" class="wp-block-spacer"></div> <h4 class="wp-block-heading"><strong>Macro Musings: Pat Parkinson on the 2020 Treasury Market Meltdown and How to Avoid a Potential Sequel</strong></h4> <iframe loading="lazy" style="border: none" src="//html5-player.libsyn.com/embed/episode/id/18106877/height/90/theme/custom/thumbnail/no/direction/backward/render-playlist/no/custom-color/68635c/" scrolling="no" allowfullscreen="" webkitallowfullscreen="" mozallowfullscreen="" oallowfullscreen="" msallowfullscreen="" width="100%" height="90"></iframe> <p class="media-topics-list"><a href="https://bpi.com/category/security/cybersecurity/"> M<a href="https://bpi.com/category/monetary-policy/">onetary Policy</a> | <a href="https://bpi.com/category/liquidity/">Bank Liquidity</a> </a></p> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <hr class="wp-block-separator has-text-color has-cool-gray-color has-css-opacity has-cool-gray-background-color has-background"/> <div style="height:10px" aria-hidden="true" class="wp-block-spacer"></div> <h4 class="wp-block-heading"><strong>IntraFi Network: The “Precedent-Shattering” Charter Application That Has Banks on Edge</strong></h4> <iframe loading="lazy" style="border: none" src="//html5-player.libsyn.com/embed/episode/id/17191454/height/90/theme/custom/thumbnail/yes/direction/forward/render-playlist/no/custom-color/0072ce/" scrolling="no" allowfullscreen="" webkitallowfullscreen="" mozallowfullscreen="" oallowfullscreen="" msallowfullscreen="" width="100%" height="90"></iframe> <p class="media-topics-list"><a href="https://bpi.com/category/security/cybersecurity/">Charters</a>| <a href="https://bpi.com/category/fintech-innovation/">FinTech & Innovation</a></p> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <hr class="wp-block-separator has-text-color has-cool-gray-color has-css-opacity has-cool-gray-background-color has-background"/> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <h4 class="wp-block-heading"><strong>John Court Joins Ballard Spahr’s Alan Kaplinsky to Discuss the OCC’s ‘Fair Access’ Proposal</strong></h4> <iframe loading="lazy" title="Libsyn Player" style="border: none" src="//html5-player.libsyn.com/embed/episode/id/17456831/height/90/theme/custom/thumbnail/yes/direction/backward/render-playlist/no/custom-color/000000/" height="90" width="100%" scrolling="no" allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen></iframe> <p class="media-topics-list"><a href="https://bpi.com/category/security/cybersecurity/">Bank Activities and Structure</a>| <a href="https://bpi.com/category/fintech-innovation/">FinTech & Innovation</a></p> <div style="height:20px" aria-hidden="true" class="wp-block-spacer"></div> <p></p> </section> </main> <footer> <div class="footer-top"> <img data-skip-lazy class="logo" src="/wp-content/themes/bpi/assets/images/bpi-logo-vertical.png" alt="Bank Policy Institute"> <div class="footer-contact"> <a class="button secondary small" href="https://bpi.com/contact-us/">Contact Us</a> <div class="social"> <a href="https://twitter.com/@BankPolicy" title="Twitter"><svg xmlns="http://www.w3.org/2000/svg" width="18" height="18" fill="currentColor" class="bi bi-twitter-x" viewBox="0 0 16 16"> <path d="M12.6.75h2.454l-5.36 6.142L16 15.25h-4.937l-3.867-5.07-4.425 5.07H.316l5.733-6.57L0 .75h5.063l3.495 4.633L12.601.75Zm-.86 13.028h1.36L4.323 2.145H2.865l8.875 11.633Z"></path> </svg></a> <a href="https://www.linkedin.com/company/95499" title="LinkedIn"><span class="fab fa-linkedin-in"></span></a> <a href="https://www.youtube.com/channel/UCdKTUhAHfnwXQORaEbdK5UQ" title="YouTube"><span class="fab fa-youtube"></span></a> <a href="https://medium.com/bank-policy-institute" title="Medium"><span class="fab fa-medium-m"></span></a> <a href="https://instagram.com/bankpolicyinstitute" title="instagram" tabindex="0"> <svg width="23" height="23" viewBox="0 0 23 23" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M12 7C9.23858 7 7 9.23858 7 12C7 14.7614 9.23858 17 12 17C14.7614 17 17 14.7614 17 12C17 9.23858 14.7614 7 12 7ZM9 12C9 13.6569 10.3431 15 12 15C13.6569 15 15 13.6569 15 12C15 10.3431 13.6569 9 12 9C10.3431 9 9 10.3431 9 12Z" fill="currentColor"></path><path d="M18 5C17.4477 5 17 5.44772 17 6C17 6.55228 17.4477 7 18 7C18.5523 7 19 6.55228 19 6C19 5.44772 18.5523 5 18 5Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M5 1C2.79086 1 1 2.79086 1 5V19C1 21.2091 2.79086 23 5 23H19C21.2091 23 23 21.2091 23 19V5C23 2.79086 21.2091 1 19 1H5ZM19 3H5C3.89543 3 3 3.89543 3 5V19C3 20.1046 3.89543 21 5 21H19C20.1046 21 21 20.1046 21 19V5C21 3.89543 20.1046 3 19 3Z" fill="currentColor"></path></svg> </a> </div> <address> <p> <span class="location-name">Washington, D.C.</span><br> 1300 Eye St. NW <br /> Suite 1100 West<br /> Washington, D.C. 20005 </p> </address> </div> <div class="footer-signup"> <span class="h5">Signup for Our Alerts.</span> <script type="text/javascript"></script> <div class='gf_browser_ie gf_browser_ie7 gform_wrapper gform_legacy_markup_wrapper gform-theme--no-framework' data-form-theme='legacy' data-form-index='0' id='gform_wrapper_1' ><div id='gf_1' class='gform_anchor' tabindex='-1'></div><form method='post' enctype='multipart/form-data' target='gform_ajax_frame_1' id='gform_1' action='/media/bpi-multimedia-gallery/#gf_1' data-formid='1' novalidate> <div class='gform-body gform_body'><ul id='gform_fields_1' class='gform_fields top_label form_sublabel_below description_below validation_below'><li id="field_1_1" class="gfield gfield--type-email gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" data-js-reload="field_1_1" ><label class='gfield_label gform-field-label' for='input_1_1'>Email Address<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'> <input name='input_1' id='input_1_1' type='email' value='' class='medium' placeholder='email@example.com' aria-required="true" aria-invalid="false" /> </div></li><li id="field_1_8" class="gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible" data-js-reload="field_1_8" ><label class='gfield_label gform-field-label' for='input_1_8'>Comments</label><div class='ginput_container'><input name='input_8' id='input_1_8' type='text' value='' autocomplete='new-password'/></div><div class='gfield_description' id='gfield_description_1_8'>This field is for validation purposes and should be left unchanged.</div></li></ul></div> <div class='gform-footer gform_footer top_label'> <input type='submit' id='gform_submit_button_1' class='gform_button button' onclick='gform.submission.handleButtonClick(this)' value='Submit' /> <input type='hidden' name='gform_ajax' value='form_id=1&title=&description=&tabindex=0&theme=legacy' /> <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_1' value='iframe' /> <input type='hidden' class='gform_hidden' name='is_submit_1' value='1' /> <input type='hidden' class='gform_hidden' name='gform_submit' value='1' /> <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' /> <input type='hidden' class='gform_hidden' name='state_1' value='WyJbXSIsImFiNjQ4M2I4NzBkNjdjYmE1MTkwOTkwYzdmZjM1YjYzIl0=' /> <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_1' id='gform_target_page_number_1' value='0' /> <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_1' id='gform_source_page_number_1' value='1' /> <input type='hidden' name='gform_field_values' value='' /> </div> </form> </div> <iframe style='display:none;width:0px;height:0px;' src='about:blank' name='gform_ajax_frame_1' id='gform_ajax_frame_1' title='This iframe contains the logic required to handle Ajax powered Gravity Forms.'></iframe> <script type="text/javascript"> /* <![CDATA[ */ gform.initializeOnLoaded( function() {gformInitSpinner( 1, 'https://bpi.com/wp-content/plugins/gravityforms/images/spinner.svg', true );jQuery('#gform_ajax_frame_1').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_1');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_1').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_1').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_1').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_1').removeClass('gform_validation_error');}setTimeout( function() { /* delay the scroll by 50 milliseconds to fix a bug in chrome */ jQuery(document).scrollTop(jQuery('#gform_wrapper_1').offset().top - mt); }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_1').val();gformInitSpinner( 1, 'https://bpi.com/wp-content/plugins/gravityforms/images/spinner.svg', true );jQuery(document).trigger('gform_page_loaded', [1, current_page]);window['gf_submitting_1'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_1').replaceWith(confirmation_content);jQuery(document).scrollTop(jQuery('#gf_1').offset().top - mt);jQuery(document).trigger('gform_confirmation_loaded', [1]);window['gf_submitting_1'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_1').text());}else{jQuery('#gform_1').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger("gform_pre_post_render", [{ formId: "1", currentPage: "current_page", abort: function() { this.preventDefault(); } }]); if (event && event.defaultPrevented) { return; } const gformWrapperDiv = document.getElementById( "gform_wrapper_1" ); if ( gformWrapperDiv ) { const visibilitySpan = document.createElement( "span" ); visibilitySpan.id = "gform_visibility_test_1"; gformWrapperDiv.insertAdjacentElement( "afterend", visibilitySpan ); } const visibilityTestDiv = document.getElementById( "gform_visibility_test_1" ); let postRenderFired = false; function triggerPostRender() { if ( postRenderFired ) { return; } postRenderFired = true; jQuery( document ).trigger( 'gform_post_render', [1, current_page] ); gform.utils.trigger( { event: 'gform/postRender', native: false, data: { formId: 1, currentPage: current_page } } ); gform.utils.trigger( { event: 'gform/post_render', native: false, data: { formId: 1, currentPage: current_page } } ); if ( visibilityTestDiv ) { visibilityTestDiv.parentNode.removeChild( visibilityTestDiv ); } } function debounce( func, wait, immediate ) { var timeout; return function() { var context = this, args = arguments; var later = function() { timeout = null; if ( !immediate ) func.apply( context, args ); }; var callNow = immediate && !timeout; clearTimeout( timeout ); timeout = setTimeout( later, wait ); if ( callNow ) func.apply( context, args ); }; } const debouncedTriggerPostRender = debounce( function() { triggerPostRender(); }, 200 ); if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) { const observer = new MutationObserver( ( mutations ) => { mutations.forEach( ( mutation ) => { if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) { debouncedTriggerPostRender(); observer.disconnect(); } }); }); observer.observe( document.body, { attributes: true, childList: false, subtree: true, attributeFilter: [ 'style', 'class' ], }); } else { triggerPostRender(); } } );} ); /* ]]> */ </script> </div> </div> <div class="footer-bottom"> <span class="copyright">© 2024 Bank Policy Institute. All Rights Reserved. </span> <a href="https://bpi.com/privacy-policy/">Privacy Policy</a> | <a href="https://bpi.com/frequently-asked-questions/">Frequently Asked Questions</a> </div> </footer> <div class="scroll-to-top"><span class="far fa-angle-up"></span></div> <nav id="mobile-menu"> <div class="overlay-container"> <div class="menu-header"> <a href="/"><img class="logo short-logo" src="/wp-content/themes/bpi/assets/images/bpi-mark.png"></a> <button class="mobile-menu-button"> <span class="far fa-times"></span> </button> </div> <ul> <li class="parent menu-item menu-item-type-custom menu-item-object-custom menu-item-10423 menu-item-has-children"> <a class="nav-main-link" href="/about-us" >About Us</a> <button class="expander"> <span class="far fa-angle-down"></span> </button> <ul class="dropdown"> <li> <a href="/about-us" >Overview</a> </li> <li> <a href="/about-us#membership" >Membership</a> </li> <li> <a href="/about-us#board-members" >Leadership</a> </li> <li> <a href="/about-us#bpi-team" >Our Team</a> </li> <li> <a href="/bits" >About BITS</a> </li> <li> <a href="https://bpi.com/research-team/" >About the Research Team</a> </li> <li> <a href="https://bpi.com/careers/" >Careers</a> </li> <li> <a href="/contact-us" >Contact Us</a> </li> <li> <a href="https://bpi.com/frequently-asked-questions/" >Frequently Asked Questions</a> </li> </ul> </li> <li class="parent menu-item-has-children menu-item menu-item-type-custom menu-item-object-custom menu-item-10432"> <a class="nav-main-link" href="/issues-and-topics/" >Issues</a> <button class="expander"> <span class="far fa-angle-down"></span> </button> <div class="topics-dropdown-container"> <div class="dropdown topics-dropdown"> <div> <div class="topics"> <span class="dropdown-title topic-title">Topics</span> <ul> <li> <a href="https://bpi.com/category/aml-cft/" >AML, Bank Secrecy Act</a> </li> <li> <a href="https://bpi.com/category/activities-structure/" >Bank Activities and Structure</a> </li> <li> <a href="https://bpi.com/category/capital-stresstesting/" >Bank Capital</a> </li> <li> <a href="https://bpi.com/category/liquidity/" >Bank Liquidity</a> </li> <li> <a href="https://bpi.com/category/capital-stresstesting/basel-finalization/" >Basel Finalization</a> </li> <li> <a href="https://bpi.com/category/consumer-affairs/" >Consumer Affairs</a> </li> <li> <a href="https://bpi.com/category/cybersecurity/" >Cybersecurity</a> </li> <li> <a href="https://bpi.com/mergers-and-acquisitions/" >Mergers and Acquisitions</a> </li> <li> <a href="https://bpi.com/category/capital-stresstesting/stress-testing/" >Stress Testing</a> </li> <li> <a href="https://bpi.com/category/supervision-enforcement/" >Supervision & Enforcement</a> </li> </ul> <a href="/issues-and-topics/" class="button primary small">View All Issues</a> <button class="issues-mobile-switch"> <span>Issues in Focus</span> <span class="far fa-angle-right"></span> </button> </div> <div class="issues"> <button class="topics-mobile-switch"> <span class="far fa-angle-left"></span> Back</button> <span class="dropdown-title">Issues in Focus</span> <div class="issues-image"> <a href="https://chainstorecharity.com/" rel="nofollow noopener"> <img src="https://bpi.com/wp-content/uploads/2024/07/IMG_4104.png"> </a> </div> <a class="dropdown-title overview-title" href="/initiatives" >Latest Projects</a> <ul> <li> <a href="https://bpi.com/basel-accord/" >Basel III Accord U.S. Finalization</a> </li> <li> <a href="https://bpi.com/category/fintech-innovation/digital-assets/central-bank-digital-currency/" >Central Bank Digital Currency</a> </li> <li> <a href="https://bpi.com/bank-commitments-to-improve-diversity-and-inclusion/" >Diversity and Inclusion</a> </li> <li> <a href="/everyday-bpi" >Economic Impact of BPI Members</a> </li> <li> <a href="https://bpi.com/fed-account-access/" >Fed Account Access for Nonbanks</a> </li> <li> <a href="https://keepbankingsafe.com/" >FinTech, Big Tech and the Safety of the Banking System</a> </li> <li> <a href="https://bpi.com/category/supervision-enforcement/silicon-valley-bank/" >Silicon Valley Bank</a> </li> </ul> </div> </div> </div> </div> </li> <li class="parent menu-item menu-item-type-custom menu-item-object-custom menu-item-10434 menu-item-has-children"> <a class="nav-main-link" href="/initiatives" >Projects</a> <button class="expander"> <span class="far fa-angle-down"></span> </button> <ul class="dropdown"> <li> <a href="https://bpi.com/americas-large-banks-foundation-of-free-enterprise/" >Banks: Foundation of Free Enterprise</a> </li> <li> <a href="https://chainstorecharity.com/" >Chain Store Charity</a> </li> <li> <a href="https://bpi.com/bank-commitments-to-improve-diversity-and-inclusion/" >Diversity and Inclusion</a> </li> <li> <a href="/everyday-bpi/" >Economic Impact of BPI Members</a> </li> <li> <a href="http://endanonymousshellcompanies.com/" target=_blank>End Anonymous Shell Companies</a> </li> <li> <a href="https://bpi.com/fed-account-access/" >Fed Account Access for Nonbanks</a> </li> <li> <a href="https://bpi.com/stress-tests/" >Federal Reserve Annual Stress Test</a> </li> <li> <a href="https://keepbankingsafe.com" target=_blank>Keep Banking Safe</a> </li> <li> <a href="https://bpi.com/mergers-and-acquisitions/" >Mergers and Acquisitions</a> </li> <li> <a href="/sheltered-harbor/" >Sheltered Harbor</a> </li> <li> <a href="https://stopbaselendgame.com" >Stop Basel Endgame</a> </li> </ul> </li> <li class="parent menu-item menu-item-type-custom menu-item-object-custom menu-item-21530 menu-item-has-children"> <a class="nav-main-link" href="/resources" >Resources</a> <button class="expander"> <span class="far fa-angle-down"></span> </button> <ul class="dropdown"> <li> <a href="https://bpi.com/document-type/comment-letters/" >Comment Letters</a> </li> <li> <a href="https://bpi.com/document-type/congressional-letters/" >Congressional Letters</a> </li> <li> <a href="https://bpi.com/document-type/one-pagers/" >One-pagers</a> </li> <li> <a href="https://bpi.com/document-type/reportswhite-papers/" >Reports and Research Notes</a> </li> <li> <a href="https://bpi.com/document-type/testimonies/" >Testimonies</a> </li> <li> <a href="https://bpi.com/search/" >All Recent Content</a> </li> </ul> </li> <li class="parent menu-item menu-item-type-post_type menu-item-object-page current-page-ancestor current-menu-ancestor current-menu-parent current-page-parent current_page_parent current_page_ancestor menu-item-10737 menu-item-has-children"> <a class="nav-main-link" href="https://bpi.com/media/" >Media</a> <button class="expander"> <span class="far fa-angle-down"></span> </button> <ul class="dropdown"> <li> <a href="https://bpi.com/media/media-contacts/" >Media Contacts</a> </li> <li> <a href="https://bpi.com/document-type/press/" >Press Releases</a> </li> <li> <a href="https://bpi.com/document-type/newsletter/" >Newsletters</a> </li> <li> <a href="https://bpi.com/category/research-exchange/" >Research Exchange</a> </li> <li> <a href="https://bpi.com/document-type/podcasts/" >Podcasts</a> </li> <li> <a href="https://bpi.com/document-type/news/" >Op-Eds & Highlights</a> </li> <li> <a href="https://bpi.com/media/bpi-multimedia-gallery/" >Multimedia Hub</a> </li> </ul> </li> <li class=" menu-item menu-item-type-custom menu-item-object-custom menu-item-10436"> <a class="nav-main-link" href="/blog" >Blog</a> </li> <li class=" menu-button menu-item menu-item-type-custom menu-item-object-custom menu-item-47723"> <a class="nav-main-link" href="https://bpi.com/sign-up/" >Subscribe</a> </li> </ul> <div class="social"> <a href="https://twitter.com/@BankPolicy"> <span class="fab fa-twitter"></span> </a> <a href="https://www.linkedin.com/company/95499"> <span class="fab fa-linkedin-in"></span> </a> <a href="https://www.youtube.com/channel/UCdKTUhAHfnwXQORaEbdK5UQ"> <span class="fab fa-youtube"></span> </a> <a href="https://medium.com/bank-policy-institute"> <span class="fab fa-medium-m"></span> </a> </div> </div> </nav> <link rel='stylesheet' id='gforms_reset_css-css' href='https://bpi.com/wp-content/plugins/gravityforms/legacy/css/formreset.min.css?ver=2.9.0' type='text/css' media='all' /> <link rel='stylesheet' id='gforms_formsmain_css-css' href='https://bpi.com/wp-content/plugins/gravityforms/legacy/css/formsmain.min.css?ver=2.9.0' type='text/css' media='all' /> <link rel='stylesheet' id='gforms_ready_class_css-css' href='https://bpi.com/wp-content/plugins/gravityforms/legacy/css/readyclass.min.css?ver=2.9.0' type='text/css' media='all' /> <link rel='stylesheet' id='gforms_browsers_css-css' href='https://bpi.com/wp-content/plugins/gravityforms/legacy/css/browsers.min.css?ver=2.9.0' type='text/css' media='all' /> <script type="text/javascript" src="https://bpi.com/wp-content/plugins/simple-youtube-responsive/js/yt-responsive.min.js?ver=3.2.5" id="simple-youtube-responsive-js"></script> <script type="text/javascript" src="https://bpi.com/wp-content/themes/bpi/assets/js/jquery.visible.min.js" id="jquery-visible-js"></script> <script type="text/javascript" src="https://bpi.com/wp-content/themes/bpi/assets/js/scripts.js" id="base-scripts-js"></script> <script type="text/javascript" src="https://cdn.jsdelivr.net/npm/bootstrap@4.6.2/dist/js/bootstrap.min.js?ver=4.5.2" id="bootstrap-js-js"></script> <script type="text/javascript" src="https://bpi.com/wp-content/plugins/easy-fancybox/vendor/purify.min.js?ver=6.7.1" id="fancybox-purify-js"></script> <script type="text/javascript" src="https://bpi.com/wp-content/plugins/easy-fancybox/fancybox/1.5.4/jquery.fancybox.min.js?ver=6.7.1" id="jquery-fancybox-js"></script> <script type="text/javascript" id="jquery-fancybox-js-after"> /* <![CDATA[ */ var fb_timeout, fb_opts={'autoScale':true,'showCloseButton':true,'width':560,'height':340,'margin':20,'pixelRatio':'false','padding':10,'centerOnScroll':false,'enableEscapeButton':true,'speedIn':300,'speedOut':300,'overlayShow':true,'hideOnOverlayClick':true,'overlayColor':'#000','overlayOpacity':0.6,'minViewportWidth':320,'minVpHeight':320,'disableCoreLightbox':'true','enableBlockControls':'true','fancybox_openBlockControls':'true' }; if(typeof easy_fancybox_handler==='undefined'){ var easy_fancybox_handler=function(){ jQuery([".nolightbox","a.wp-block-file__button","a.pin-it-button","a[href*='pinterest.com\/pin\/create']","a[href*='facebook.com\/share']","a[href*='twitter.com\/share']"].join(',')).addClass('nofancybox'); jQuery('a.fancybox-close').on('click',function(e){e.preventDefault();jQuery.fancybox.close()}); /* iFrame */ jQuery('a.fancybox-iframe,area.fancybox-iframe,.fancybox-iframe>a').each(function(){jQuery(this).fancybox(jQuery.extend(true,{},fb_opts,{'type':'iframe','width':'70%','height':'90%','padding':0,'titleShow':false,'titlePosition':'float','titleFromAlt':true,'allowfullscreen':false}))}); };}; jQuery(easy_fancybox_handler);jQuery(document).on('post-load',easy_fancybox_handler); /* ]]> */ </script> <script type="text/javascript" src="https://bpi.com/wp-content/plugins/easy-fancybox/vendor/jquery.mousewheel.min.js?ver=3.1.13" id="jquery-mousewheel-js"></script> <script type="text/javascript" src="https://bpi.com/wp-content/plugins/youtube-embed-plus/scripts/fitvids.min.js?ver=14.2.1.2" id="__ytprefsfitvids__-js"></script> <script type="text/javascript" src="https://bpi.com/wp-includes/js/dist/dom-ready.min.js?ver=f77871ff7694fffea381" id="wp-dom-ready-js"></script> <script type="text/javascript" src="https://bpi.com/wp-includes/js/dist/hooks.min.js?ver=4d63a3d491d11ffd8ac6" id="wp-hooks-js"></script> <script type="text/javascript" src="https://bpi.com/wp-includes/js/dist/i18n.min.js?ver=5e580eb46a90c2b997e6" id="wp-i18n-js"></script> <script type="text/javascript" id="wp-i18n-js-after"> /* <![CDATA[ */ wp.i18n.setLocaleData( { 'text direction\u0004ltr': [ 'ltr' ] } ); /* ]]> */ </script> <script type="text/javascript" src="https://bpi.com/wp-includes/js/dist/a11y.min.js?ver=3156534cc54473497e14" id="wp-a11y-js"></script> <script type="text/javascript" defer='defer' src="https://bpi.com/wp-content/plugins/gravityforms/js/jquery.json.min.js?ver=2.9.0" id="gform_json-js"></script> <script type="text/javascript" id="gform_gravityforms-js-extra"> /* <![CDATA[ */ var gform_i18n = {"datepicker":{"days":{"monday":"Mo","tuesday":"Tu","wednesday":"We","thursday":"Th","friday":"Fr","saturday":"Sa","sunday":"Su"},"months":{"january":"January","february":"February","march":"March","april":"April","may":"May","june":"June","july":"July","august":"August","september":"September","october":"October","november":"November","december":"December"},"firstDay":1,"iconText":"Select date"}}; var gf_legacy_multi = []; var gform_gravityforms = {"strings":{"invalid_file_extension":"This type of file is not allowed. Must be one of the following:","delete_file":"Delete this file","in_progress":"in progress","file_exceeds_limit":"File exceeds size limit","illegal_extension":"This type of file is not allowed.","max_reached":"Maximum number of files reached","unknown_error":"There was a problem while saving the file on the server","currently_uploading":"Please wait for the uploading to complete","cancel":"Cancel","cancel_upload":"Cancel this upload","cancelled":"Cancelled"},"vars":{"images_url":"https:\/\/bpi.com\/wp-content\/plugins\/gravityforms\/images"}}; var gf_global = {"gf_currency_config":{"name":"U.S. Dollar","symbol_left":"$","symbol_right":"","symbol_padding":"","thousand_separator":",","decimal_separator":".","decimals":2,"code":"USD"},"base_url":"https:\/\/bpi.com\/wp-content\/plugins\/gravityforms","number_formats":[],"spinnerUrl":"https:\/\/bpi.com\/wp-content\/plugins\/gravityforms\/images\/spinner.svg","version_hash":"f372867383f0f95f5345936574cb528b","strings":{"newRowAdded":"New row added.","rowRemoved":"Row removed","formSaved":"The form has been saved. The content contains the link to return and complete the form."}}; /* ]]> */ </script> <script type="text/javascript" defer='defer' src="https://bpi.com/wp-content/plugins/gravityforms/js/gravityforms.min.js?ver=2.9.0" id="gform_gravityforms-js"></script> <script type="text/javascript" defer='defer' src="https://bpi.com/wp-content/plugins/gravityforms/js/placeholders.jquery.min.js?ver=2.9.0" id="gform_placeholder-js"></script> <script type="text/javascript" defer='defer' src="https://bpi.com/wp-content/plugins/gravityforms/assets/js/dist/utils.min.js?ver=f802885f3482236736b18b55abcdc360" id="gform_gravityforms_utils-js"></script> <script type="text/javascript" defer='defer' src="https://bpi.com/wp-content/plugins/gravityforms/assets/js/dist/vendor-theme.min.js?ver=ddd2702ee024d421149a5e61416f1ff5" id="gform_gravityforms_theme_vendors-js"></script> <script type="text/javascript" id="gform_gravityforms_theme-js-extra"> /* <![CDATA[ */ var gform_theme_config = {"common":{"form":{"honeypot":{"version_hash":"f372867383f0f95f5345936574cb528b"},"ajax":{"ajaxurl":"https:\/\/bpi.com\/wp-admin\/admin-ajax.php","ajax_submission_nonce":"134025c504","i18n":{"step_announcement":"Step %1$s of %2$s, %3$s","unknown_error":"There was an unknown error processing your request. Please try again."}}}},"hmr_dev":"","public_path":"https:\/\/bpi.com\/wp-content\/plugins\/gravityforms\/assets\/js\/dist\/","config_nonce":"ec65f370b3"}; /* ]]> */ </script> <script type="text/javascript" defer='defer' src="https://bpi.com/wp-content/plugins/gravityforms/assets/js/dist/scripts-theme.min.js?ver=c055226f9b8c432c9206edab9070263c" id="gform_gravityforms_theme-js"></script> <script type="text/javascript"> /* <![CDATA[ */ gform.initializeOnLoaded( function() { jQuery(document).on('gform_post_render', function(event, formId, currentPage){if(formId == 1) {if(typeof Placeholders != 'undefined'){ Placeholders.enable(); }} } );jQuery(document).on('gform_post_conditional_logic', function(event, formId, fields, isInit){} ) } ); /* ]]> */ </script> <script type="text/javascript"> /* <![CDATA[ */ gform.initializeOnLoaded( function() {jQuery(document).trigger("gform_pre_post_render", [{ formId: "1", currentPage: "1", abort: function() { this.preventDefault(); } }]); if (event && event.defaultPrevented) { return; } const gformWrapperDiv = document.getElementById( "gform_wrapper_1" ); if ( gformWrapperDiv ) { const visibilitySpan = document.createElement( "span" ); visibilitySpan.id = "gform_visibility_test_1"; gformWrapperDiv.insertAdjacentElement( "afterend", visibilitySpan ); } const visibilityTestDiv = document.getElementById( "gform_visibility_test_1" ); let postRenderFired = false; function triggerPostRender() { if ( postRenderFired ) { return; } postRenderFired = true; jQuery( document ).trigger( 'gform_post_render', [1, 1] ); gform.utils.trigger( { event: 'gform/postRender', native: false, data: { formId: 1, currentPage: 1 } } ); gform.utils.trigger( { event: 'gform/post_render', native: false, data: { formId: 1, currentPage: 1 } } ); if ( visibilityTestDiv ) { visibilityTestDiv.parentNode.removeChild( visibilityTestDiv ); } } function debounce( func, wait, immediate ) { var timeout; return function() { var context = this, args = arguments; var later = function() { timeout = null; if ( !immediate ) func.apply( context, args ); }; var callNow = immediate && !timeout; clearTimeout( timeout ); timeout = setTimeout( later, wait ); if ( callNow ) func.apply( context, args ); }; } const debouncedTriggerPostRender = debounce( function() { triggerPostRender(); }, 200 ); if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) { const observer = new MutationObserver( ( mutations ) => { mutations.forEach( ( mutation ) => { if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) { debouncedTriggerPostRender(); observer.disconnect(); } }); }); observer.observe( document.body, { attributes: true, childList: false, subtree: true, attributeFilter: [ 'style', 'class' ], }); } else { triggerPostRender(); } } ); /* ]]> */ </script> <!-- Rendering body bottom --> <script>new Vue({el: '#search-bar'});</script> <script>new Vue({el: '#search-cta '});</script> </body> </html>