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3 Ways The Election Could Impact Fintech
<!DOCTYPE html><html lang="en"><head><meta charSet="utf-8"/><title>3 Ways The Election Could Impact Fintech</title><link rel="preload" href="https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bold-webfont.woff2" as="font" type="font/woff2"/><link rel="preload" href="https://i.forbesimg.com/assets/fonts/work-sans/worksans-regular-webfont.woff2" as="font" type="font/woff2"/><link rel="preload" href="https://imageio.forbes.com/specials-images/imageserve/672a93acd19859c004aeee4f/Kamala-Harris-Donald-Trump/1960x0.jpg?format=jpg&width=960" as="image"/><link rel="preload" href="https://imageio.forbes.com/specials-images/imageserve/672a93acd19859c004aeee4f/0x0.jpg?format=jpg" as="image"/><link rel="preload" href="https://i.forbesimg.com/assets/fonts/schnyder-s-bold.otf" as="font"/><link rel="preload" href="https://i.forbesimg.com/assets/fonts/Schnyder/Schnyder-SDemi-Web.woff2" as="font"/><link rel="preconnect" href="https://dev.visualwebsiteoptimizer.com"/><meta http-equiv="Content-Language" content="en_US"/><meta name="viewport" content="width=device-width,initial-scale=1,maximum-scale=5,minimum-scale=1,user-scalable=yes"/><meta name="description" itemProp="description" content="The results of the presidential and congressional elections will have far-reaching effects on the fintech industry. 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class="fbs-ad--top-wrapper fbs-ad--top-wrapper--takeover tvoOV" style="top:NaNpx;height:0"></div><article id="article-stream-0" class="current-page content_672a92f4f761e6511c78f0ea"><main class="_4tKaI color-body bg-base"><div class="hY7q0"><div class="HUZQQ UzIGW"><div class="_8cjw-SPU _2uHcUdeI cB20L keHXw"><span class="_6Q2IDc-r"><a class="isDg-4PG" href="https://www.forbes.com/money/" data-ga-track="breadcrumb-L2">Money</a></span><span class="_6Q2IDc-r"><span class="KChd-Vju" data-testid="separator"><svg class="fs-icon fs-icon--chevron-right" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg></span><a class="isDg-4PG" href="https://www.forbes.com/fintech/" data-ga-track="breadcrumb-L3">Fintech</a></span></div></div></div><div class="h9nLs headline-embed"><div class="cxkrv"><div class="HQYQR"><div class="FBQIu fROHd"><a class="iMfFN pWAEC" href="https://www.forbes.com/premium-content/" data-ga-track="Premium badge" data-vars-event-label="Premium badge">Premium</a><div class="_RIvP"><a data-ga-track="eyebrow-editors-pick" data-vars-event-label="eyebrow-editors-pick" href="https://www.forbes.com/editors-picks" class="kh5W_"><span class="ecTne color-base">Editors' Pick</span></a></div><h1 class="speakable-headline color-base aY5Zr">3 Ways The Election Could Impact Fintech</h1></div><div class="_3_WSY">From the Consumer Financial Protection Bureau to bank-fintech partnerships, here’s what the presidential and congressional elections could mean for the industry. </div></div></div></div><div class="cO11L OtGY6"><div class="AhtZ3"><div class="ZgVJj"><div class="vDF8R"><div data-testid="truncation-inner" class="_9GOxm"><span style="-webkit-line-clamp:1" class="Ccg9Ib-7 Msqbf CRVMw"><div class="Na3NTglQ _51GWpoAk CF_dd"><span class="ujvJmzbB LfmqX">By</span><a class="_4tin10wS _9xFYp" href="https://www.forbes.com/sites/jeffkauflin/" rel="noreferrer" target="_self">Jeff Kauflin</a><span class="AtUb4gy8 LfmqX DHzQR">, Forbes Staff. </span></div> <!-- -->Jeff Kauflin is a New Jersey-based senior editor and covers fintech.</span></div></div><div class="T65Fn"></div></div><div style="position:relative"><button type="button" class="_18BedXz4 zfmcPBtS _9gE86Z3W RGcmU lOw_p Nd7xMFo8" disabled="" data-testid="variants"><span class="">Follow Author</span></button></div></div><div class="v8jKF" data-test-id="timeStamp"><span class="ycHdAQ4U UcPtB fyNvZ">Nov 05, 2024, 05:57pm EST</span><span data-test-id="updatedTimeStamp" class="eJ_uo QCahZ">Updated Nov 6, 2024, 09:02am EST</span></div><div class="rwK2G uoI3_"><div class="socialShareContainer"><button type="button" aria-label="open share menu" class="sTVDLFT0 AYwaD CKkMh"><svg class="fs-icon fs-icon--share" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill-rule="evenodd" clip-rule="evenodd" d="M18 16.1c-.8 0-1.4.3-2 .8l-7.1-4.2c.1-.2.1-.5.1-.7s0-.5-.1-.7L16 7.2c.5.5 1.2.8 2 .8 1.7 0 3-1.3 3-3s-1.3-3-3-3-3 1.3-3 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.quote-embed .color-base{color: #000000;} #article-stream-0 .quote-embed.bg-base, #article-stream-0 .quote-embed .bg-base{background-color: #000000;} #article-stream-0 .quote-embed.font-accent, #article-stream-0 .quote-embed .font-accent{font-family: Schnyder,"Noto Sans","Droid Sans","Helvetica Neue",Corbel,Helvetica,Arial,sans-serif;} #article-stream-0 .quote-embed.font-size p, #article-stream-0 .quote-embed .font-size p{font-size: 36px;}</style><div class="b6Cr_ article-body-container"><div class="fs-article fs-premium fs-responsive-text current-article font-body color-body bg-base font-accent article-subtype__masthead article-body premium-container"><figure class="embed-base image-embed embed-0" role="presentation"><div style="padding-top:66.81%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/672a93acd19859c004aeee4f/Kamala-Harris-Donald-Trump/1960x0.jpg?fit=scale" alt="Kamala Harris Donald Trump" data-height="2017" data-width="3014"></progressive-image></div><figcaption><p class="color-body light-text">The results of the presidential and congressional elections will have far-reaching effects on the fintech industry.</p><small class="color-body light-text">Associated Press</small></figcaption></figure> <p><abbr class="drop-cap color-accent font-accent">T</abbr>he intersection of financial services and technology, otherwise known as fintech, has increasingly come under federal scrutiny, especially to the extent new firms have attempted to offer traditional banking services without having a banking license. To better understand the impact of today’s presidential and congressional elections on the fintech industry, <a href="https://www.forbes.com" target="_blank" class="color-link" title="https://www.forbes.com" rel="nofollow noopener noreferrer" data-ga-track="ExternalLink:https://www.forbes.com/" aria-label="Forbes"><em data-ga-track="ExternalLink:https://www.forbes.com/">Forbes</em></a> spoke with several policy experts and executives. They identified three major areas that could see changes: the Consumer Financial Protection Bureau (CFPB), the <a href="https://www.forbes.com/sites/emilymason/2024/06/17/is-your-money-really-safe-in-an-fdic-insured-fintech-account/" target="_self" class="color-link" title="https://www.forbes.com/sites/emilymason/2024/06/17/is-your-money-really-safe-in-an-fdic-insured-fintech-account/" data-ga-track="InternalLink:https://www.forbes.com/sites/emilymason/2024/06/17/is-your-money-really-safe-in-an-fdic-insured-fintech-account/" aria-label="partnerships fintechs have with banks">partnerships fintechs have with banks</a> to offer banking services and the CFPB’s new 1033 rule that governs consumers’ control over their banking data.</p> <div class="halfway_hardwall_1"></div> <div class="article_paragraph_2"></div><div style="min-height:0"><div class="G9049W9y _1apm68B5 L996f LfzXb vKVY8 inlineAdContainer" aria-hidden="true" role="presentation" tabindex="-1" data-testid="ad-container"></div></div> <p>Nearly everyone we spoke with said the most visible changes will be in the CFPB, a federal agency created by the 2010 Dodd–Frank Wall Street Reform and Consumer Protection Act. The CFPB aims to “protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law.” Over the past four years, the agency has been more active than it was under President Trump, a dynamic that’s apparent in the number of public remarks the CFPB has made, the information requests it has sent to companies and the fines it has levied, says Katherine Flocken, a principal at Washington, D.C., regulatory advisory firm FS Vector. In 2023, the CFPB ordered $3.1 billion in fines and refunds for consumer relief, the largest sum it had ordered since 2015.</p> <div class="halfway_hardwall_2"></div> <p>If Kamala Harris wins the election and Democrats retain some control of Congress, a similar level of CFPB enforcement and oversight activity could continue as it has under President Biden, Flocken believes. If Donald Trump wins and Republicans take control of Congress, that activity will slow. “[The CFPB] definitely would be less robust under a Republican administration and certainly with a Republican-controlled Congress,” Flocken says.</p> <div class="halfway_hardwall_3"></div> <p><a href="https://www.forbes.com/sites/jeffkauflin/2023/11/14/a-fintech-titan-in-community-bankers-clothing/" target="_self" class="color-link" title="https://www.forbes.com/sites/jeffkauflin/2023/11/14/a-fintech-titan-in-community-bankers-clothing/" data-ga-track="InternalLink:https://www.forbes.com/sites/jeffkauflin/2023/11/14/a-fintech-titan-in-community-bankers-clothing/" aria-label="Jackie Reses">Jackie Reses</a>, the cofounder and CEO of <a href="https://www.forbes.com/companies/lead-bank/" target="_self" class="color-link" title="https://www.forbes.com/companies/lead-bank/" data-ga-track="InternalLink:https://www.forbes.com/companies/lead-bank/" aria-label="Lead Bank">Lead Bank</a>, a Kansas City bank that partners with fintechs to offer banking services, agrees there will be major changes to the CFPB if Trump is elected. She thinks some CFPB rules could potentially be rolled back, such as one the CFPB passed earlier this year that aims to reduce the late fees consumers pay for credit card payments from $32 to $8 on average.</p> <div class="halfway_hardwall_4"></div> <p>“If there's a sweep either way–if we have Harris-blue or Trump-red–that's huge,” Flocken adds, referring to scenarios where Harris wins and Democrats take both the House and Senate or where Trump wins and Republicans take full control of Congress. “There will be much faster, much more aggressive changes on either side.”</p> <div class="article_paragraph_7"></div> <p>Michele Alt, a cofounder and partner at advisory firm Klaros and a former lawyer at the Office of the Comptroller of the Currency, is more skeptical that we’ll see big changes for the fintech industry. She points to four recent Supreme Court cases, including <a href="https://www.forbes.com/sites/alisondurkee/2024/06/28/supreme-court-strips-power-from-federal-agencies-overturning-decades-old-precedent/" target="_self" class="color-link" title="https://www.forbes.com/sites/alisondurkee/2024/06/28/supreme-court-strips-power-from-federal-agencies-overturning-decades-old-precedent/" data-ga-track="InternalLink:https://www.forbes.com/sites/alisondurkee/2024/06/28/supreme-court-strips-power-from-federal-agencies-overturning-decades-old-precedent/" aria-label="Loper Bright Enterprises v. Raimondo"><em data-ga-track="InternalLink:https://www.forbes.com/sites/alisondurkee/2024/06/28/supreme-court-strips-power-from-federal-agencies-overturning-decades-old-precedent/">Loper Bright Enterprises v. Raimondo</em></a><em>, </em>that have reduced government agencies’ authority in interpreting ambiguous laws and redirected that duty to the courts. “It doesn't matter who gets elected, because the Supreme Court has effectively knee-capped the executive branch through these decisions by saying they all have to go through the judicial branch,” she says. In the coming years, she thinks the result could be a “regulatory chill” of weaker regulatory power and enforcement. She worries that all regulatory agencies consequently won’t be able to respond as quickly as they need to in times of financial crisis.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"/><div style="min-height:0"><div class="G9049W9y _1apm68B5 L996f lj8Sr vKVY8 inlineAdContainer" aria-hidden="true" role="presentation" tabindex="-1" data-testid="ad-container"></div></div> <p><em>Have a story tip? Contact Jeff Kauflin at jkauflin@forbes.com or on Signal at jeff.273.</em></p><hr class="embed-base rule-embed color-accent border-solid weight-light"/> <p><abbr class="drop-cap color-accent font-accent">B</abbr>ank-fintech partnerships, where non-bank fintech companies partner with traditional banks to offer banking services like checking accounts and loans, have been under intense scrutiny over the past two years, with a growing number of regulatory enforcement actions in areas like anti-money laundering rules. If Harris wins, Flocken thinks the heavy scrutiny would continue, while if Trump is elected, the pressure would probably ease, though she adds a couple caveats. She says she’d watch the offices of innovation under a Harris presidency to see if they’ll staff up and have an open-door policy, and in a Trump presidency, she’d look to see if the administration opens a certification process that allows fintechs to voluntarily comply with standards set by regulators.</p> <p>Reses doesn’t expect any major changes to bank-fintech partnerships, regardless of who wins. “The FDIC has a bi-partisan board,” she says. She thinks some changes will move forward no matter who’s victorious, such as the FDIC’s proposed rule that aims to require fintechs and their bank partners to reconcile every customer’s account at the end of each day. The rule could prevent a disaster like the one that happened with <a href="https://www.forbes.com/sites/emilymason/2024/05/17/federal-bank-regulators-wont-rescue-fintech-customers-caught-in-synapse-bankruptcy/" target="_self" class="color-link" title="https://www.forbes.com/sites/emilymason/2024/05/17/federal-bank-regulators-wont-rescue-fintech-customers-caught-in-synapse-bankruptcy/" data-ga-track="InternalLink:https://www.forbes.com/sites/emilymason/2024/05/17/federal-bank-regulators-wont-rescue-fintech-customers-caught-in-synapse-bankruptcy/" aria-label="Synapse">Synapse</a>, where thousands of consumers lost access to their funds. “I think it’s good policy,” Reses says. How the rule is implemented might differ under some administrations, she adds, but she expects the rule to move forward either way.</p> <p>She also doesn’t expect any changes in the way anti-money laundering laws are enforced or translated into regulations. “Both parties respect the need for that type of information and oversight by banks,” she says.</p> <p>Michele Alt thinks Republicans gaining greater control over Congress and a Trump victory could re-open the path for more fintechs to potentially obtain bank charters, a door that has been effectively closed during the Biden administration. She also thinks that, in the wake of the recent Supreme Court decisions like <em>Loper Bright,</em> a well-resourced fintech that has been denied a bank charter could sue one of the agencies that handles charters. In that case, “The regulators wouldn’t have much to stand on to show [the court] they haven’t exceeded their authority,” she says.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"/> <p><abbr class="drop-cap color-accent font-accent">L</abbr>ast month, the CFPB released a final 1033 rule, which sets guidelines for consumers’ control over their banking data and how banks store, manage and make that data accessible. The topic has become an important battleground between big banks and fintechs like <a href="https://www.forbes.com/sites/jeffkauflin/2024/09/25/plaids-former-billionaire-ceo-has-a-bold-plan-to-revive-its-growth/" target="_self" class="color-link" title="https://www.forbes.com/sites/jeffkauflin/2024/09/25/plaids-former-billionaire-ceo-has-a-bold-plan-to-revive-its-growth/" data-ga-track="InternalLink:https://www.forbes.com/sites/jeffkauflin/2024/09/25/plaids-former-billionaire-ceo-has-a-bold-plan-to-revive-its-growth/" aria-label="Plaid">Plaid</a> that connect consumers’ bank accounts to fintech apps. Flocken says some have asked her if the rule would go away under a Trump presidency, but she doesn’t think so, since it’s a bipartisan regulation.</p><div style="min-height:0"><div class="G9049W9y _1apm68B5 L996f lj8Sr vKVY8 inlineAdContainer" aria-hidden="true" role="presentation" tabindex="-1" data-testid="ad-container"></div></div> <p>Alt points out that the CFPB’s final 1033 rule was challenged almost immediately after it was released when the Bank Policy Institute and Kentucky Bankers Association <a href="https://bpi.com/banks-challenge-cfpb-rule-jeopardizing-security-and-privacy-of-consumer-financial-data/" rel="nofollow noopener noreferrer" target="_blank" class="color-link" title="https://bpi.com/banks-challenge-cfpb-rule-jeopardizing-security-and-privacy-of-consumer-financial-data/" data-ga-track="ExternalLink:https://bpi.com/banks-challenge-cfpb-rule-jeopardizing-security-and-privacy-of-consumer-financial-data/" aria-label="sued the CFPB">sued the CFPB</a>, an event she thinks illustrates emboldened confidence among people and organizations that want to oppose regulatory agencies.</p> <p>But she also believes 1033 has a good chance of moving forward either way because it has populist appeal. “The average person doesn't really care about bank capital levels,” she says. “But if you ask, ‘Hey, do you think you should be able to transfer your accounts more easily? Do you think you should own your own data?’ One hundred percent of people are going to say yes.”</p> <div class="newsletter_signup_article"></div></div><span class="Nj1i5"><span>Follow me on </span><a class="color-link" target="_blank" rel="nofollow noopener noreferrer" href="https://www.twitter.com/www.twitter.com/jeffkauflin">Twitter</a> or <a class="color-link" target="_blank" rel="nofollow noopener noreferrer" href="https://www.linkedin.com/in/jeffkauflin">LinkedIn</a>.<span> Check out </span>my <a class="color-link" target="_blank" rel="nofollow noopener noreferrer" href="https://www.forbes.com/sites/jeffkauflin">website</a>.<span> Send me a secure </span><a class="color-link" target="_blank" rel="nofollow noopener noreferrer" href="https://www.forbes.com/tips/">tip</a>.</span><div class="_38K2d"><a class="TYbQt color-body" href="https://www.forbes.com/sites/forbesstaff/article/forbes-editorial-values-and-standards/" rel="noopener noreferrer" target="_blank">Editorial Standards</a><span class="HMT72"></span><a class="TYbQt color-body" href="https://www.parsintl.com/publications/forbes/" rel="noopener noreferrer" target="_blank">Forbes Accolades</a></div></div></div></div></div><div class="paywall_ribbon" style="margin-bottom:0"></div></main></article><footer class="smP7p--o" role="contentinfo"><div class="_1FviBxkI"><div class="RS-LXz9z"><a aria-label="Link to Forbes Homepage" class="Shi6M7tj" href="https://www.forbes.com/"><svg class="fs-icon fs-icon--forbes-logo" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 200 54"><path d="M113.3 18.2c0-5.8.1-11.2.4-16.2L98.4 4.9v1.4l1.5.2c1.1.1 1.8.5 2.2 1.1.4.7.7 1.7.9 3.2.2 2.9.4 9.5.3 19.9 0 10.3-.1 16.8-.3 19.3 5.5 1.2 9.8 1.7 13 1.7 6 0 10.7-1.7 14.1-5.2 3.4-3.4 5.2-8.2 5.2-14.1 0-4.7-1.3-8.6-3.9-11.7-2.6-3.1-5.9-4.6-9.8-4.6-2.6 0-5.3.7-8.3 2.1zm.3 30.8c-.2-3.2-.4-12.8-.4-28.5.9-.3 2.1-.5 3.6-.5 2.4 0 4.3 1.2 5.7 3.7 1.4 2.5 2.1 5.5 2.1 9.3 0 4.7-.8 8.5-2.4 11.7-1.6 3.1-3.6 4.7-6.1 4.7-.8-.2-1.6-.3-2.5-.4zM41 3H1v2l2.1.2c1.6.3 2.7.9 3.4 1.8.7 1 1.1 2.6 1.2 4.8.8 10.8.8 20.9 0 30.2-.2 2.2-.6 3.8-1.2 4.8-.7 1-1.8 1.6-3.4 1.8l-2.1.3v2h25.8v-2l-2.7-.2c-1.6-.2-2.7-.9-3.4-1.8-.7-1-1.1-2.6-1.2-4.8-.3-4-.5-8.6-.5-13.7l5.4.1c2.9.1 4.9 2.3 5.9 6.7h2V18.9h-2c-1 4.3-2.9 6.5-5.9 6.6l-5.4.1c0-9 .2-15.4.5-19.3h7.9c5.6 0 9.4 3.6 11.6 10.8l2.4-.7L41 3zm-4.7 30.8c0 5.2 1.5 9.5 4.4 12.9 2.9 3.4 7.2 5 12.6 5s9.8-1.7 13-5.2c3.2-3.4 4.7-7.7 4.7-12.9s-1.5-9.5-4.4-12.9c-2.9-3.4-7.2-5-12.6-5s-9.8 1.7-13 5.2c-3.2 3.4-4.7 7.7-4.7 12.9zm22.3-11.4c1.2 2.9 1.7 6.7 1.7 11.3 0 10.6-2.2 15.8-6.5 15.8-2.2 0-3.9-1.5-5.1-4.5-1.2-3-1.7-6.8-1.7-11.3C47 23.2 49.2 18 53.5 18c2.2-.1 3.9 1.4 5.1 4.4zm84.5 24.3c3.3 3.3 7.5 5 12.5 5 3.1 0 5.8-.6 8.2-1.9 2.4-1.2 4.3-2.7 5.6-4.5l-1-1.2c-2.2 1.7-4.7 2.5-7.6 2.5-4 0-7.1-1.3-9.2-4-2.2-2.7-3.2-6.1-3-10.5H170c0-4.8-1.2-8.7-3.7-11.8-2.5-3-6-4.5-10.5-4.5-5.6 0-9.9 1.8-13 5.3-3.1 3.5-4.6 7.8-4.6 12.9 0 5.2 1.6 9.4 4.9 12.7zm7.4-25.1c1.1-2.4 2.5-3.6 4.4-3.6 3 0 4.5 3.8 4.5 11.5l-10.6.2c.1-3 .6-5.7 1.7-8.1zm46.4-4c-2.7-1.2-6.1-1.9-10.2-1.9-4.2 0-7.5 1.1-10 3.2s-3.8 4.7-3.8 7.8c0 2.7.8 4.8 2.3 6.3 1.5 1.5 3.9 2.8 7 3.9 2.8 1 4.8 2 5.8 2.9 1 1 1.6 2.1 1.6 3.6 0 1.4-.5 2.7-1.6 3.7-1 1.1-2.4 1.6-4.2 1.6-4.4 0-7.7-3.2-10-9.6l-1.7.5.4 10c3.6 1.4 7.6 2.1 12 2.1 4.6 0 8.1-1 10.7-3.1 2.6-2 3.9-4.9 3.9-8.5 0-2.4-.6-4.4-1.9-5.9-1.3-1.5-3.4-2.8-6.4-4-3.3-1.2-5.6-2.3-6.8-3.3-1.2-1-1.8-2.2-1.8-3.7s.4-2.7 1.3-3.7 2-1.4 3.4-1.4c4 0 6.9 2.9 8.7 8.6l1.7-.5-.4-8.6zm-96.2-.9c-1.4-.7-2.9-1-4.6-1-1.7 0-3.4.7-5.3 2.1-1.9 1.4-3.3 3.3-4.4 5.9l.1-8-15.2 3v1.4l1.5.1c1.9.2 3 1.7 3.2 4.4.6 6.2.6 12.8 0 19.8-.2 2.7-1.3 4.1-3.2 4.4l-1.5.2v1.9h21.2V49l-2.7-.2c-1.9-.2-3-1.7-3.2-4.4-.6-5.8-.7-12-.2-18.4.6-1 1.9-1.6 3.9-1.8 2-.2 4.3.4 6.7 1.8l3.7-9.3z"></path></svg></a><div class="QUZBXqTw">© 2025 Forbes Media LLC. 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Trump","aspectRatio":66.92103516921036,"sourceId":"040034dc1ab44c97adc76c7d28d7f642","author":"2273336","newTabLink":false,"adsDisabled":false,"autoplay":false,"floatingEnabled":false,"pauseAd":false,"secretAutoplay":false,"muted":false,"live":false},"inflatedHTML":"\u003cfigure class=\"embed-base image-embed embed-0\" role=\"presentation\"\u003e\u003cdiv\u003e\u003cimg src=\"https://specials-images.forbesimg.com/imageserve/672a93acd19859c004aeee4f/Kamala-Harris-Donald-Trump/960x0.jpg?fit=scale\" alt=\"Kamala Harris Donald Trump\" data-height=\"2017\" data-width=\"3014\"/\u003e\u003c/div\u003e\u003cfigcaption\u003e\u003cfbs-accordion\u003e\u003cp class=\"color-body light-text\"\u003eThe results of the presidential and congressional elections will have far-reaching effects on the fintech industry.\u003c/p\u003e\u003c/fbs-accordion\u003e\u003csmall class=\"color-body light-text\"\u003eAssociated 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","title":"3 Ways The Election Could Impact Fintech","topicIds":[null,null,null,null,null,null,null,null,null],"topics":"business-and-finance,business,business-banking-finance,industries,financial-industry,technology-industry,business-and-finance,industries,technology-industry","trendingChannel":"Fintech","trendingHashtags":[],"tweetQuotes":[],"type":"blog","uri":"https://www.forbes.com/sites/jeffkauflin/2024/11/05/3-ways-the-election-could-impact-fintech/","videoLocation":"","categoryId":"","version":24,"authorGroup":{"primaryAuthor":{"naturalId":"blogAuthorId/blog/author/2273336","allowEmail":false,"authorType":"individual","avatars":[{"size":40,"image":"https://specials-images.forbesimg.com/imageserve/5fcdf14611776e3acbb83587/40x0.jpg?cropX1=0\u0026cropX2=1080\u0026cropY1=0\u0026cropY2=1080"},{"size":62,"image":"https://specials-images.forbesimg.com/imageserve/5fcdf14611776e3acbb83587/62x0.jpg?cropX1=0\u0026cropX2=1080\u0026cropY1=0\u0026cropY2=1080"},{"size":136,"image":"https://specials-images.forbesimg.com/imageserve/5fcdf14611776e3acbb83587/136x0.jpg?cropX1=0\u0026cropX2=1080\u0026cropY1=0\u0026cropY2=1080"},{"size":400,"image":"https://specials-images.forbesimg.com/imageserve/5fcdf14611776e3acbb83587/400x0.jpg?cropX1=0\u0026cropX2=1080\u0026cropY1=0\u0026cropY2=1080"}],"blogName":"Jeff Kauflin Blog","contributorSince":1466445787000,"description":"\u003cp\u003eJeff Kauflin is a senior editor who leads Forbes’ fintech coverage, covering everything from digital banking and investing to payments and insurtech. He co-edits Forbes’ annual\u0026nbsp;\u003ca href=\"https://www.forbes.com/lists/fintech50\" class=\"color-link\"\u003e\u003cu\u003eFintech 50\u003c/u\u003e\u003c/a\u003e and also writes about crypto. Jeff joined Forbes in 2016 and works in New Jersey. He has written about the biggest digital bank in America, “\u003ca href=\"https://www.forbes.com/sites/jeffkauflin/2024/05/03/exclusive-the-inside-story-of-chime-americas-biggest-digital-bank/\" class=\"color-link\"\u003e\u003cu\u003eThe Inside Story Of Chime\u003c/u\u003e\u003c/a\u003e,” the\u0026nbsp;\u003ca href=\"https://www.forbes.com/sites/jeffkauflin/2024/02/12/how-two-former-spies-cracked-the-11-billion-cyber-insurance-market/\" class=\"color-link\"\u003e\u003cu\u003eballooning cyber insurance market\u003c/u\u003e\u003c/a\u003e,\u0026nbsp;\u003ca href=\"https://www.forbes.com/sites/jeffkauflin/2023/02/08/merger-or-perish-25-struggling-fintech-startups/\" class=\"color-link\"\u003e\u003cu\u003estruggling fintech startups\u003c/u\u003e\u003c/a\u003e and\u0026nbsp;\u003ca href=\"https://www.forbes.com/sites/jeffkauflin/2022/03/30/did-the-son-of-the-worlds-third-richest-man-trade-nfts-with-inside-information\" class=\"color-link\"\u003e\u003cu\u003einsider trading of NFTs\u003c/u\u003e\u003c/a\u003e. He has won awards from SABEW and the National Endowment for Financial Education alongside his Forbes colleagues for their reporting on Robinhood. Before Forbes, Jeff worked for ten years in marketing consulting, in roles ranging from client consulting to talent management. He’s a graduate of Middlebury College and Columbia Journalism School. Follow him on Forbes,\u0026nbsp;\u003ca href=\"https://twitter.com/JeffKauflin\" class=\"color-link\" rel=\"nofollow noopener\"\u003e\u003cu\u003eX (formerly Twitter)\u003c/u\u003e\u003c/a\u003e and\u0026nbsp;\u003ca href=\"https://www.linkedin.com/in/jeffkauflin/\" class=\"color-link\" rel=\"nofollow noopener\"\u003e\u003cu\u003eLinkedIn\u003c/u\u003e\u003c/a\u003e for continued fintech coverage. Have a tip, question or comment? Email him at\u0026nbsp;\u003ca href=\"mailto:jkauflin@forbes.com\" class=\"color-link\" rel=\"nofollow noopener\"\u003e\u003cu\u003ejkauflin@forbes.com\u003c/u\u003e\u003c/a\u003e or reach him on Signal at jeff.273. Forbes reporters follow\u0026nbsp;\u003ca href=\"https://www.forbes.com/sites/forbesstaff/article/forbes-editorial-values-and-standards/?sh=423d83a533ea\" class=\"color-link\"\u003e\u003cu\u003ecompany ethical guidelines\u003c/u\u003e\u003c/a\u003e that ensure the highest quality.\u003c/p\u003e","disableCanonical":false,"disableDigest":false,"displayChannel":"Investing","displaySection":"entrepreneurs","embargo":false,"enableContribContact":true,"enableTwitterFeed":false,"inactive":true,"linkedIn":"https://www.linkedin.com/in/jeffkauflin","metaDescription":"Jeff Kauflin is a senior editor who leads Forbes’ fintech coverage, covering everything from digital banking and investing to payments and insurtech. He co-edits Forbes’ annual Fintech 50 and also writes about crypto. Jeff joined Forbes in 2016 and works in New Jersey. He has written about the biggest digital bank in America, “The Inside Story Of Chime,” the ballooning cyber insurance market, struggling fintech startups and insider trading of NFTs. He has won awards from SABEW and the National Endowment for Financial Education alongside his Forbes colleagues for their reporting on Robinhood. Before Forbes, Jeff worked for ten years in marketing consulting, in roles ranging from client consulting to talent management. He’s a graduate of Middlebury College and Columbia Journalism School. Follow him on Forbes, X (formerly Twitter) and LinkedIn for continued fintech coverage. Have a tip, question or comment? Email him at jkauflin@forbes.com or reach him on Signal at jeff.273. Forbes reporters follow company ethical guidelines that ensure the highest quality.","name":"Jeff Kauflin","primaryBlogNaturalId":"blogAuthorId/blog/author/blog-4530","primaryChannel":{"id":"channel_72","channelId":"channel_72","channelName":"Money","sectionId":"section_1096","sectionName":"Fintech","url":"/fintech","showAds":false,"showLicenseOptions":false,"showSpreadsheetButton":false,"enableComments":false,"hexValue":"#598141","secondaryHexValue":"#c5e5b2","showQotd":false,"channelUrl":"/money"},"primaryChannelId":"channel_72","primarySectionId":"section_1096","profileUrl":"/sites/jeffkauflin/","showNoVestPocket":false,"slug":"jeffkauflin","timestamp":1721498376674,"twitterName":"www.twitter.com/jeffkauflin","type":"Forbes Staff","url":"https://www.forbes.com/sites/jeffkauflin/","webSite":"https://www.forbes.com/sites/jeffkauflin","disabled":false,"division":"FC","forbesTwitterProfile":{"screenName":"JeffKauflin","name":"Jeff Kauflin","profileImageUrl":"http://pbs.twimg.com/profile_images/421721128504025088/_Hl_KTwK.jpeg","description":"Writer @forbes focused on fintech, cryptocurrencies, blockchain and investing. 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He co-edits Forbes’ annual\u0026nbsp;\u003ca href=\"https://www.forbes.com/lists/fintech50\"\u003e\u003cu\u003eFintech 50\u003c/u\u003e\u003c/a\u003e and also writes about crypto. Jeff joined Forbes in 2016 and works in New Jersey. He has written about the biggest digital bank in America, “\u003ca href=\"https://www.forbes.com/sites/jeffkauflin/2024/05/03/exclusive-the-inside-story-of-chime-americas-biggest-digital-bank/\"\u003e\u003cu\u003eThe Inside Story Of Chime\u003c/u\u003e\u003c/a\u003e,” the\u0026nbsp;\u003ca href=\"https://www.forbes.com/sites/jeffkauflin/2024/02/12/how-two-former-spies-cracked-the-11-billion-cyber-insurance-market/\"\u003e\u003cu\u003eballooning cyber insurance market\u003c/u\u003e\u003c/a\u003e,\u0026nbsp;\u003ca href=\"https://www.forbes.com/sites/jeffkauflin/2023/02/08/merger-or-perish-25-struggling-fintech-startups/\"\u003e\u003cu\u003estruggling fintech startups\u003c/u\u003e\u003c/a\u003e and\u0026nbsp;\u003ca href=\"https://www.forbes.com/sites/jeffkauflin/2022/03/30/did-the-son-of-the-worlds-third-richest-man-trade-nfts-with-inside-information\"\u003e\u003cu\u003einsider trading of NFTs\u003c/u\u003e\u003c/a\u003e. 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industry.","attributes":{},"parsedChildNodes":[],"key":1}],"key":1},{"nodeType":1,"nodeName":"SMALL","nodeValue":null,"id":"","attributes":{"className":"color-body light-text"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Associated Press","attributes":{},"parsedChildNodes":[],"key":2}],"key":2}],"key":1}],"key":0},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":1},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":1,"nodeName":"ABBR","nodeValue":null,"id":"","attributes":{"className":"drop-cap color-accent font-accent"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"T","attributes":{},"parsedChildNodes":[],"key":2}],"key":2},{"nodeType":3,"nodeName":"#text","nodeValue":"he intersection of financial services and technology, otherwise known as fintech, has increasingly come under federal scrutiny, especially to the extent new firms have attempted to offer traditional banking services without having a banking license. To better understand the impact of today’s presidential and congressional elections on the fintech industry, ","attributes":{},"parsedChildNodes":[],"key":3},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com","target":"_blank","className":"color-link","title":"https://www.forbes.com","rel":"nofollow noopener noreferrer","data-ga-track":"ExternalLink:https://www.forbes.com/","aria-label":"Forbes"},"href":"https://www.forbes.com/","parsedChildNodes":[{"nodeType":1,"nodeName":"EM","nodeValue":null,"id":"","attributes":{"data-ga-track":"ExternalLink:https://www.forbes.com/"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Forbes","attributes":{},"parsedChildNodes":[],"key":4}],"key":4}],"key":4},{"nodeType":3,"nodeName":"#text","nodeValue":" spoke with several policy experts and executives. They identified three major areas that could see changes: the Consumer Financial Protection Bureau (CFPB), the ","attributes":{},"parsedChildNodes":[],"key":5},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/emilymason/2024/06/17/is-your-money-really-safe-in-an-fdic-insured-fintech-account/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/emilymason/2024/06/17/is-your-money-really-safe-in-an-fdic-insured-fintech-account/","data-ga-track":"InternalLink:https://www.forbes.com/sites/emilymason/2024/06/17/is-your-money-really-safe-in-an-fdic-insured-fintech-account/","aria-label":"partnerships fintechs have with banks"},"href":"https://www.forbes.com/sites/emilymason/2024/06/17/is-your-money-really-safe-in-an-fdic-insured-fintech-account/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"partnerships fintechs have with banks","attributes":{},"parsedChildNodes":[],"key":6}],"key":6},{"nodeType":3,"nodeName":"#text","nodeValue":" to offer banking services and the CFPB’s new 1033 rule that governs consumers’ control over their banking data.","attributes":{},"parsedChildNodes":[],"key":7}],"key":2},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":3},{"nodeType":1,"nodeName":"DIV","nodeValue":null,"id":"","attributes":{"className":"halfway_hardwall_1"},"parsedChildNodes":[],"key":4},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":5},{"nodeType":1,"nodeName":"DIV","nodeValue":null,"id":"","attributes":{"className":"article_paragraph_2"},"parsedChildNodes":[],"key":6},{"nodeType":1,"nodeName":"FBS-AD","nodeValue":null,"id":"","attributes":{"position":"top","progressive":"","ad-id":"article-0-top"},"parsedChildNodes":[],"key":7},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":8},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Nearly everyone we spoke with said the most visible changes will be in the CFPB, a federal agency created by the 2010 Dodd–Frank Wall Street Reform and Consumer Protection Act. The CFPB aims to “protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law.” Over the past four years, the agency has been more active than it was under President Trump, a dynamic that’s apparent in the number of public remarks the CFPB has made, the information requests it has sent to companies and the fines it has levied, says Katherine Flocken, a principal at Washington, D.C., regulatory advisory firm FS Vector. In 2023, the CFPB ordered $3.1 billion in fines and refunds for consumer relief, the largest sum it had ordered since 2015.","attributes":{},"parsedChildNodes":[],"key":9}],"key":9},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":10},{"nodeType":1,"nodeName":"DIV","nodeValue":null,"id":"","attributes":{"className":"halfway_hardwall_2"},"parsedChildNodes":[],"key":11},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":12},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"If Kamala Harris wins the election and Democrats retain some control of Congress, a similar level of CFPB enforcement and oversight activity could continue as it has under President Biden, Flocken believes. If Donald Trump wins and Republicans take control of Congress, that activity will slow. “[The CFPB] definitely would be less robust under a Republican administration and certainly with a Republican-controlled Congress,” Flocken says.","attributes":{},"parsedChildNodes":[],"key":13}],"key":13},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":14},{"nodeType":1,"nodeName":"DIV","nodeValue":null,"id":"","attributes":{"className":"halfway_hardwall_3"},"parsedChildNodes":[],"key":15},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":16},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/jeffkauflin/2023/11/14/a-fintech-titan-in-community-bankers-clothing/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/jeffkauflin/2023/11/14/a-fintech-titan-in-community-bankers-clothing/","data-ga-track":"InternalLink:https://www.forbes.com/sites/jeffkauflin/2023/11/14/a-fintech-titan-in-community-bankers-clothing/","aria-label":"Jackie Reses"},"href":"https://www.forbes.com/sites/jeffkauflin/2023/11/14/a-fintech-titan-in-community-bankers-clothing/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Jackie Reses","attributes":{},"parsedChildNodes":[],"key":17}],"key":17},{"nodeType":3,"nodeName":"#text","nodeValue":", the cofounder and CEO of ","attributes":{},"parsedChildNodes":[],"key":18},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/companies/lead-bank/","target":"_self","className":"color-link","title":"https://www.forbes.com/companies/lead-bank/","data-ga-track":"InternalLink:https://www.forbes.com/companies/lead-bank/","aria-label":"Lead Bank"},"href":"https://www.forbes.com/companies/lead-bank/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Lead Bank","attributes":{},"parsedChildNodes":[],"key":19}],"key":19},{"nodeType":3,"nodeName":"#text","nodeValue":", a Kansas City bank that partners with fintechs to offer banking services, agrees there will be major changes to the CFPB if Trump is elected. She thinks some CFPB rules could potentially be rolled back, such as one the CFPB passed earlier this year that aims to reduce the late fees consumers pay for credit card payments from $32 to $8 on average.","attributes":{},"parsedChildNodes":[],"key":20}],"key":17},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":18},{"nodeType":1,"nodeName":"DIV","nodeValue":null,"id":"","attributes":{"className":"halfway_hardwall_4"},"parsedChildNodes":[],"key":19},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":20},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"“If there's a sweep either way–if we have Harris-blue or Trump-red–that's huge,” Flocken adds, referring to scenarios where Harris wins and Democrats take both the House and Senate or where Trump wins and Republicans take full control of Congress. “There will be much faster, much more aggressive changes on either side.”","attributes":{},"parsedChildNodes":[],"key":21}],"key":21},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":22},{"nodeType":1,"nodeName":"DIV","nodeValue":null,"id":"","attributes":{"className":"article_paragraph_7"},"parsedChildNodes":[],"key":23},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":24},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Michele Alt, a cofounder and partner at advisory firm Klaros and a former lawyer at the Office of the Comptroller of the Currency, is more skeptical that we’ll see big changes for the fintech industry. She points to four recent Supreme Court cases, including ","attributes":{},"parsedChildNodes":[],"key":25},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/alisondurkee/2024/06/28/supreme-court-strips-power-from-federal-agencies-overturning-decades-old-precedent/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/alisondurkee/2024/06/28/supreme-court-strips-power-from-federal-agencies-overturning-decades-old-precedent/","data-ga-track":"InternalLink:https://www.forbes.com/sites/alisondurkee/2024/06/28/supreme-court-strips-power-from-federal-agencies-overturning-decades-old-precedent/","aria-label":"Loper Bright Enterprises v. 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Raimondo","attributes":{},"parsedChildNodes":[],"key":26}],"key":26}],"key":26},{"nodeType":1,"nodeName":"EM","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":", ","attributes":{},"parsedChildNodes":[],"key":27}],"key":27},{"nodeType":3,"nodeName":"#text","nodeValue":"that have reduced government agencies’ authority in interpreting ambiguous laws and redirected that duty to the courts. “It doesn't matter who gets elected, because the Supreme Court has effectively knee-capped the executive branch through these decisions by saying they all have to go through the judicial branch,” she says. In the coming years, she thinks the result could be a “regulatory chill” of weaker regulatory power and enforcement. She worries that all regulatory agencies consequently won’t be able to respond as quickly as they need to in times of financial crisis.","attributes":{},"parsedChildNodes":[],"key":28}],"key":25},{"nodeType":1,"nodeName":"HR","nodeValue":null,"id":"","attributes":{"className":"embed-base rule-embed color-accent border-solid weight-light"},"parsedChildNodes":[],"key":26},{"nodeType":1,"nodeName":"FBS-AD","nodeValue":null,"id":"","attributes":{"position":"topx","progressive":"","ad-id":"article-0-topx-1"},"parsedChildNodes":[],"key":27},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":28},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":1,"nodeName":"EM","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Have a story tip? Contact Jeff Kauflin at jkauflin@forbes.com or on Signal at jeff.273.","attributes":{},"parsedChildNodes":[],"key":29}],"key":29}],"key":29},{"nodeType":1,"nodeName":"HR","nodeValue":null,"id":"","attributes":{"className":"embed-base rule-embed color-accent border-solid weight-light"},"parsedChildNodes":[],"key":30},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":31},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":1,"nodeName":"ABBR","nodeValue":null,"id":"","attributes":{"className":"drop-cap color-accent font-accent"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"B","attributes":{},"parsedChildNodes":[],"key":32}],"key":32},{"nodeType":3,"nodeName":"#text","nodeValue":"ank-fintech partnerships, where non-bank fintech companies partner with traditional banks to offer banking services like checking accounts and loans, have been under intense scrutiny over the past two years, with a growing number of regulatory enforcement actions in areas like anti-money laundering rules. If Harris wins, Flocken thinks the heavy scrutiny would continue, while if Trump is elected, the pressure would probably ease, though she adds a couple caveats. She says she’d watch the offices of innovation under a Harris presidency to see if they’ll staff up and have an open-door policy, and in a Trump presidency, she’d look to see if the administration opens a certification process that allows fintechs to voluntarily comply with standards set by regulators.","attributes":{},"parsedChildNodes":[],"key":33}],"key":32},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":33},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Reses doesn’t expect any major changes to bank-fintech partnerships, regardless of who wins. “The FDIC has a bi-partisan board,” she says. She thinks some changes will move forward no matter who’s victorious, such as the FDIC’s proposed rule that aims to require fintechs and their bank partners to reconcile every customer’s account at the end of each day. The rule could prevent a disaster like the one that happened with ","attributes":{},"parsedChildNodes":[],"key":34},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/emilymason/2024/05/17/federal-bank-regulators-wont-rescue-fintech-customers-caught-in-synapse-bankruptcy/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/emilymason/2024/05/17/federal-bank-regulators-wont-rescue-fintech-customers-caught-in-synapse-bankruptcy/","data-ga-track":"InternalLink:https://www.forbes.com/sites/emilymason/2024/05/17/federal-bank-regulators-wont-rescue-fintech-customers-caught-in-synapse-bankruptcy/","aria-label":"Synapse"},"href":"https://www.forbes.com/sites/emilymason/2024/05/17/federal-bank-regulators-wont-rescue-fintech-customers-caught-in-synapse-bankruptcy/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Synapse","attributes":{},"parsedChildNodes":[],"key":35}],"key":35},{"nodeType":3,"nodeName":"#text","nodeValue":", where thousands of consumers lost access to their funds. “I think it’s good policy,” Reses says. How the rule is implemented might differ under some administrations, she adds, but she expects the rule to move forward either way.","attributes":{},"parsedChildNodes":[],"key":36}],"key":34},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":35},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"She also doesn’t expect any changes in the way anti-money laundering laws are enforced or translated into regulations. “Both parties respect the need for that type of information and oversight by banks,” she says.","attributes":{},"parsedChildNodes":[],"key":36}],"key":36},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":37},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Michele Alt thinks Republicans gaining greater control over Congress and a Trump victory could re-open the path for more fintechs to potentially obtain bank charters, a door that has been effectively closed during the Biden administration. She also thinks that, in the wake of the recent Supreme Court decisions like ","attributes":{},"parsedChildNodes":[],"key":38},{"nodeType":1,"nodeName":"EM","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Loper Bright,","attributes":{},"parsedChildNodes":[],"key":39}],"key":39},{"nodeType":3,"nodeName":"#text","nodeValue":" a well-resourced fintech that has been denied a bank charter could sue one of the agencies that handles charters. In that case, “The regulators wouldn’t have much to stand on to show [the court] they haven’t exceeded their authority,” she says.","attributes":{},"parsedChildNodes":[],"key":40}],"key":38},{"nodeType":1,"nodeName":"HR","nodeValue":null,"id":"","attributes":{"className":"embed-base rule-embed color-accent border-solid weight-light"},"parsedChildNodes":[],"key":39},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":40},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":1,"nodeName":"ABBR","nodeValue":null,"id":"","attributes":{"className":"drop-cap color-accent font-accent"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"L","attributes":{},"parsedChildNodes":[],"key":41}],"key":41},{"nodeType":3,"nodeName":"#text","nodeValue":"ast month, the CFPB released a final 1033 rule, which sets guidelines for consumers’ control over their banking data and how banks store, manage and make that data accessible. The topic has become an important battleground between big banks and fintechs like ","attributes":{},"parsedChildNodes":[],"key":42},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/jeffkauflin/2024/09/25/plaids-former-billionaire-ceo-has-a-bold-plan-to-revive-its-growth/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/jeffkauflin/2024/09/25/plaids-former-billionaire-ceo-has-a-bold-plan-to-revive-its-growth/","data-ga-track":"InternalLink:https://www.forbes.com/sites/jeffkauflin/2024/09/25/plaids-former-billionaire-ceo-has-a-bold-plan-to-revive-its-growth/","aria-label":"Plaid"},"href":"https://www.forbes.com/sites/jeffkauflin/2024/09/25/plaids-former-billionaire-ceo-has-a-bold-plan-to-revive-its-growth/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Plaid","attributes":{},"parsedChildNodes":[],"key":43}],"key":43},{"nodeType":3,"nodeName":"#text","nodeValue":" that connect consumers’ bank accounts to fintech apps. Flocken says some have asked her if the rule would go away under a Trump presidency, but she doesn’t think so, since it’s a bipartisan regulation.","attributes":{},"parsedChildNodes":[],"key":44}],"key":41},{"nodeType":1,"nodeName":"FBS-AD","nodeValue":null,"id":"","attributes":{"position":"topx","progressive":"","ad-id":"article-0-topx-2"},"parsedChildNodes":[],"key":42},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":43},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Alt points out that the CFPB’s final 1033 rule was challenged almost immediately after it was released when the Bank Policy Institute and Kentucky Bankers Association ","attributes":{},"parsedChildNodes":[],"key":44},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://bpi.com/banks-challenge-cfpb-rule-jeopardizing-security-and-privacy-of-consumer-financial-data/","rel":"nofollow noopener noreferrer","target":"_blank","className":"color-link","title":"https://bpi.com/banks-challenge-cfpb-rule-jeopardizing-security-and-privacy-of-consumer-financial-data/","data-ga-track":"ExternalLink:https://bpi.com/banks-challenge-cfpb-rule-jeopardizing-security-and-privacy-of-consumer-financial-data/","aria-label":"sued the CFPB"},"href":"https://bpi.com/banks-challenge-cfpb-rule-jeopardizing-security-and-privacy-of-consumer-financial-data/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"sued the CFPB","attributes":{},"parsedChildNodes":[],"key":45}],"key":45},{"nodeType":3,"nodeName":"#text","nodeValue":", an event she thinks illustrates emboldened confidence among people and organizations that want to oppose regulatory agencies.","attributes":{},"parsedChildNodes":[],"key":46}],"key":44},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":45},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"But she also believes 1033 has a good chance of moving forward either way because it has populist appeal. “The average person doesn't really care about bank capital levels,” she says. “But if you ask, ‘Hey, do you think you should be able to transfer your accounts more easily? 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