הפודקאסטים הטובים ביותר ב-Mayer Brown (2024)

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CFPB Finalizes Rule Significantly Restricting Credit Card Late Fees 21:03

5d ago21:03

21:03

On March 5, the Consumer Financial Protection Bureau issued a Final Rule that would significantly restrict late fees that consumer credit card issuers may charge to a mere $8—representing approximately a 75% reduction from current levels. Within two days, the Final Rule faced a challenge in the Northern District of Texas by a coalition of trade gro…

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What You Need to Know About the CFPB’s Campaign Against Junk Fees 20:52

21d ago20:52

20:52

The CFPB has launched an aggressive campaign against so-called “junk fees.” This year the CFPB has released proposed rules targeting overdraft and non-sufficient funds fees and a final rule targeting credit card late fees. Along the same lines, two of the three latest editions of the Bureau’s Supervisory Highlights were marketed as special editions…

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GenAI Contracting Revisited – What’s New? 17:36

2M ago17:36

17:36

In this episode, we revisit the ever-shifting landscape of Generative Artificial Intelligence (GenAI), a topic which has continued to captivate the tech world since our discussion a year ago. With GenAI at the forefront of the conversation, we delve back into the complexities surrounding its use, with a special focus on the contractual and legal ch…

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What to Expect in Banking in 2024 32:19

2M ago32:19

32:19

The end of 2023 saw a barrage of major proposals and other actions by US banking regulators. Many of these are contentious issues that have divided regulators and generated significant public controversy. Final proposals of some could be coming in 2024, but only if they can avoid being crowded out by the federal elections in the fall. Please join M…

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Securitization – What to Expect in 2024 33:09

2M ago33:09

33:09

Please join Mayer Brown partners Tameem Zainulbhai, Joanna Nicholas, Melissa Kilcoyne, Evan DeCresce and Jim Antonopoulos for a discussion on What to Expect in 2024 in the fields of structured finance and securitization. They will examine some key challenges and opportunities this new year will bring to market participants, and discuss trending iss…

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2024 Trends for Technology Transactions 32:10

3M ago32:10

32:10

Join our Technology & IP Transactions lawyers as they dive into the trends shaping 2024. In this episode, we explore the future of technology services, spotlight trends driving tech startups, and dissect deals tied to customer-facing digital platforms and cloud services. Additionally, we navigate the evolving regulations affecting tech transactions…

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Implications of the CSRD for non-EU companies – A view to how companies can prepare 47:54

3M ago47:54

47:54

The EU Corporate Sustainability Reporting Directive ("CSRD") entered into force on 5 January 2023 and the associated European Sustainability Reporting Standards ("ESRS") were adopted by the European Commission on 31 July 2023. Together, the CSRD and ESRS create detailed sustainability reporting requirements that will apply to a significant number o…

1
Strategies for Success: Outsourcing Deal and Negotiation Processes 22:50

3M ago22:50

22:50

Companies seeking to outsource—or re-source—business functions are strongly incentivized to act quickly, in order to realize savings and other benefits. However, maximizing those benefits requires effective planning and clever negotiating with suppliers, and companies that resist the temptation to take shortcuts will set themselves up for success i…

1
SEC Adopts Conflict of Interest Rule for Asset-Backed Securities 31:39

4M ago31:39

31:39

The authors of our recent Legal Update provide an overview of the SEC’s (Securities and Exchange Commission) recently adopted rule, which prohibits conflicts of interest in certain securitizations as required under the Dodd-Frank Act. Although not perfect, the final rule is a significant improvement over the proposal. However, all securitization pa…

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Section 1033 Rulemaking: Redefining Access to Financial Data 30:13

4M ago30:13

30:13

The Consumer Financial Protection Bureau recently proposed an extensive framework of rules to ensure consumer access to certain information at their financial institutions. The rules would require financial institutions to make certain data relating to consumers' transactions and accounts available to consumers and authorized third parties, establi…

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Unresolved Issues with the Corporate Transparency Act 42:14

4M ago42:14

42:14

With less than 30 days until the Corporate Transparency Act’s beneficial ownership reporting requirement takes effect, questions still abound. While only new entities will be subject to reporting requirements at first, thousands of those are formed every day who will need to understand—and apply—these new regulations with limited guidance. Please j…

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Community Reinvestment Act Overhaul: Finalized Changes to CRA Regulations and How They May Affect Banks 31:55

5M ago31:55

31:55

The US federal banking regulators recently finalized major changes to their decades-old Community Reinvestment Act (CRA) regulations, which will have significant consequences for many US banks. Please join Mayer Brown lawyers Kerri Webb, Kris Kully, and Jeffrey Taft as they discuss: How the final regulations differ from the proposal What the final …

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Operational Risk Considerations Under the US Basel Endgame Proposal 25:32

5M ago25:32

25:32

While the recent US Basel Endgame proposal will affect many elements of the capital rules, it will especially impact operational risk, a new category of capital charge for most banks. Midsize and larger US banking organizations will need to develop extensive loss-event tracking and quantification systems to comply with new operational risk requirem…

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How the Mortgage Markets May Be Affected by the US Basel Endgame Proposal 23:55

5M ago23:55

23:55

In late July 2023, US banking agencies proposed significant revisions to the risk-based regulatory capital requirements for certain midsize and larger US banking organizations. These proposals are critical, as the amount of capital a bank must maintain with respect to any particular loan, investment or activity is among the most significant factors…

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Market Risk Considerations Under the US Basel Endgame Proposal 28:47

6M ago28:47

28:47

While the recent US Basel Endgame proposal will affect many elements of the capital rules, it will have a particularly significant effect on market risk, where it may increase the capital requirement by more than 50%. Midsize and larger US banking organizations and others with significant trading activity also will need to develop extensive positio…

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How Commercial Real Estate Lending May Be Affected by the US Basel Endgame Proposal 17:38

6M ago17:38

17:38

In late July 2023, US banking agencies released proposals to significantly revise the risk-based regulatory capital requirements for certain midsize and larger US banking organizations. These proposals would have a critical impact on the banking industry, as the amount of capital a bank must maintain with respect to any particular loan, investment …

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Cybersecurity Risks in Technology Transactions 38:52

6M ago38:52

38:52

Engaging third-party providers for technology transactions involves a certain level of cybersecurity risk. In fact, most companies have been through a third-party incident. In this episode, partners Justin Herring and Adam Hickey, along with host Julian Dibbell, unpack these cybersecurity risks and what businesses can do to prepare. They discuss th…

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Long-Term Debt Requirements Proposed for US Regional Banks 26:19

7M ago26:19

26:19

The US federal banking regulators have jointly proposed long-term debt (“LTD”) requirements for certain midsize and larger US banking organizations. The LTD proposal would require many regional and larger banking organizations to issue approximately $70 billion of new LTD over the three-year implementation period. Additionally, affected organizatio…

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What US Basel Endgame Means Outside of the United States 51:31

7M ago51:31

51:31

The US federal banking regulators recently proposed extensive revisions to the regulatory capital requirements for midsize and larger US banks. The proposal would dramatically increase the amount of capital that larger banks must hold and is expected to result in US banks reducing the availability of certain products or increasing their prices. Non…

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Recent Developments in the CFPB’s Small Business Data Collection Rule 31:58

7M ago31:58

31:58

Since the CFPB’s small business data collection rule became effective earlier this year, small business lenders have been making plans to implement the new and extensive data collection requirements. At the same time, the final rule has been the subject of litigation, with several financial institutions and trade associations suing the CFPB to enjo…

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How Securitization and Structured Finance May Be Affected by the US Basel Endgame Proposal, Part 3 24:16

7M ago24:16

24:16

The US federal banking regulators have jointly proposed extensive revisions to the regulatory capital requirements for midsize and larger US banking organizations. While these revisions will affect nearly all credit exposures, securitization exposures will be significantly affected by certain policy choices. Securitizations historically have benefi…

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How Capital Markets May Be Affected by the US Basel Endgame Proposal 23:25

8M ago23:25

23:25

In late July 2023, the US banking agencies released proposals to significantly revise the risk-based regulatory capital requirements for certain midsize and larger US banking organizations and change the method for calculating the capital surcharge for global systemically important banking organizations. These proposals are of critical importance b…

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Unpacking the China Data Laws 29:35

8M ago29:35

29:35

China’s stance toward data privacy and cybersecurity has been a matter of interest for the last several years, most prominently with the June 2017 passage of China’s Cybersecurity Law, and the passage of the Data Security Law and the Personal Information Protection Law in late 2021. Now, more than two years after the 2021 laws were passed, companie…

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Mortgage Market Update Part 3: Alternatives to Conventional Mortgage Loans 25:55

8M ago25:55

25:55

The primary mortgage market recently has flattened, with rising interest rates and fewer homes on the market. However, these factors, coupled with home price appreciation, have created a space for alternatives to traditional residential mortgage financing. These include single family rental (SFR), rent-to-own and home equity option contracts, i-buy…

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Overhaul of Regulatory Capital Requirements Proposed By US Banking Regulators, Part 1 29:37

9M ago29:37

29:37

The US federal banking regulators have jointly proposed extensive revisions to the regulatory capital requirements for midsize and larger US banking organizations. The revisions are lengthy and would change the requirements for credit, market, and operational risk. Some of the revisions are long-expected (e.g., re-evaluation of use of internal mode…

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Mortgage Market Update Part 2: Mortgage Securitization and MSR Updates 37:25

9M ago37:25

37:25

In recent years, the US mortgage markets have faced mounting pressure from rising interest rates, declining originations, and heightened regulation. In part two of our three-part podcast series on the current state of the US mortgage markets, Mayer Brown experts will discuss the current challenging environment for mortgage origination, as well as r…

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Mortgage Market Update Part 1: Bank Capital Requirements and Related Developments 30:28

9M ago30:28

30:28

In recent years, the US mortgage markets have faced mounting pressure from rising interest rates, declining originations, and heightened regulation, such as EU risk retention requirements. While deals continue to be struck, they are becoming increasingly complex and expensive. We have heard of a number of similar concerns from our clients with stru…

1
US Government Policy and Bank Regulatory Developments 31:46

10M ago31:46

31:46

The last few months have seen a steady stream of emergency actions from the US banking regulators, along with legislative proposals from the Hill, that have spurred debate over the necessity of regulatory action. Some of these changes may be foregone conclusions, but others are just the early innings of a vigorous debate. Also key will be the way t…

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Credit Risk Transfer for Regional and Community Banks: A Path Back to Growth 25:32

10M ago25:32

25:32

Many regional and community banks in the United States are under intense pressure from economic forces beyond their control. This has led to a contraction in the lending markets, and may even shut off the spigot for some asset classes. Some banks might look to credit risk transfer (“CRT”) trades to keep the lending pipeline open. These cutting-edge…

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Proactive Contracting for Tech Startups: Will Your Commercial & IP Agreements Help or Hinder an Exit? 28:21

11M ago28:21

28:21

Whether you are a startup or an acquiring company, there are several steps you should consider ahead of an exit to protect your deal and avoid issues later on. In this episode, Salt Lake City partners Spencer Glende and Scott Young, along with host Julian Dibbell, discuss measures companies can take with respect to IP and commercial agreements in o…

1
Hot Topics in Trade Finance 27:58

11M ago27:58

27:58

The last few years have seen many changes and trends in the world of trade finance—not least because of well-publicized supply-chain disruptions around the globe. These and other factors have spurred changes in traditional products and pushed new structures to the fore. Please join Mayer Brown lawyers Evan DeCresce and Patrick Healy as they discuss…

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Addressing Concerns with FinCEN’s New Reporting Rules 30:55

12M ago30:55

30:55

The Financial Crimes Enforcement Network (“FinCEN”) recently waded into unexpected controversy with the release of proposed data fields for the beneficial ownership information (“BOI”) reporting regime that will take effect at the beginning of next year. FinCEN’s inclusion of “Unknown” and “Unable to identify” options for several of the proposed da…

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Impact of the Banking Crisis on Bank-FinTech Relationships 35:07

1y ago35:07

35:07

The recent banking crisis has highlighted the need for FinTechs to take a strategic approach to their current and future bank partner relationships. With bank regulators focusing their attention on exactly these types of arrangements in recent years, there are today a number of hurdles for FinTechs to overcome as they execute on these critical busi…

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RESPA Compliance for Lead Generators: Recent CFPB Guidance Addresses Digital Comparison Shopping Platforms 32:10

1y ago32:10

32:10

Can online lead generation be done while remaining compliant under Section 8 of the Real Estate Settlement Procedures Act (“RESPA”)? The answer is yes, but it is important to navigate the impermissible activities recently identified by the Consumer Financial Protection Bureau (“CFPB”). On February 7, 2023, the CFPB issued guidance in an advisory op…

1
Contracting for Generative AI 33:28

1y ago33:28

33:28

Chatbots and other types of “generative AI”—AI that creates consumable content such as computer code, text responses, images, or music—have catapulted to the center of the AI discussion. In this episode, partners Rich Assmus and Marina Aronchik, along with host Julian Dibbell, discuss the key implications of generative AI and the contracting issues…

1
It’s That Time of the Decade: BE-12 Reports Due for Certain Cross-Border Investments 25:44

1y ago25:44

25:44

Many US businesses with significant non-US investors may be required to file a BE-12 with the Bureau of Economic Analysis (“BEA”) this year as part of a survey that the BEA conducts every five years and most recently in 2018. The BE-12, also known as the Benchmark Survey of Foreign Direct Investment in the United States, is a collection of financia…

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SEC Re-Proposes Conflict of Interest Rule for Asset-Backed Securities 24:40

1y ago24:40

24:40

Please join us as the authors of our recent Legal Update provide an overview of the SEC’s (Securities and Exchange Commission) recently proposed rule to prohibit conflicts of interest in certain securitizations as required under the Dodd-Frank Act. A re-proposal of a 2011 proposed rule, the re-proposal shares some of the same issues and concerns an…

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Securitization: What to Expect in 2023 28:37

1y ago28:37

28:37

Please join Mayer Brown partners Jessie Dougher, Jenna Hartnett, Melissa Kilcoyne and Miller Smith for a discussion of what awaits structured finance this year. They will examine some of the key opportunities and challenges 2023 will bring to market participants and discuss topics such as trends in auto and equipment securitizations, the SEC’s rece…

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“Algorithmic Bias” and “Unfair” Discrimination 32:22

1y ago32:22

32:22

Algorithms and artificial intelligence (AI) are increasingly being deployed in the financial services industry, with massive potential to automate and enhance processes, increase efficiency, improve customer service, and augment investment and lending analyses. However, with those potential benefits come challenges, such as the risk that AI applica…

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Navigating Litigation Challenges in Explainable AI 28:17

1y ago28:17

28:17

Litigation involving artificial intelligence (AI) or machine learning presents special risks due to the inherent difficulties of explaining how these tools work. Please Join Mayer Brown lawyers Reg Goeke, Alex Lakatos, and Christopher Leach as they discuss the risks of using AI tools, solutions that can help mitigate those risks, and explainability…

1
What to Expect in Banking in 2023 25:36

1y ago25:36

25:36

The end of 2022 saw a few noteworthy proposals and other actions by the US banking regulators. Final rulemakings on some proposals may come in 2023 but likely not before we see additional proposals in the first half of the new year. Some are long-awaited, and others are newly inspired, actions of the moment. Please join Mayer Brown partners Jeffrey…

1
2023 Trends for Technology Transactions 30:41

1y ago30:41

30:41

As 2023 begins, we are coming off many years of fast and frothy innovation with a great deal of new complexity in both products and business models. We now face a downturn. Prominent companies across the economy are announcing layoffs and other cost-cutting measures and will likely require more complex deals to preserve profitability. In this episo…

1
Navigating Open Source Pitfalls in Transactions 32:24

1+ y ago32:24

32:24

With technology deals increasingly involving open source software (OSS), clients are seeking our help analyzing OSS licenses, developing open source policies and negotiating contract terms for open source. In this episode, partner Paul Chandler and host Julian Dibbell discuss how OSS is impacting deals and how to address and mitigate the legal risk…

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NAIC Initiatives Affecting Insurer Investments in ABS 33:56

1+ y ago33:56

33:56

The National Association of Insurance Commissioners (“NAIC”) recently introduced a host of initiatives related to statutory accounting, credit quality designation and related regulatory risk-based capital affecting CLOs and other types of structured finance in which US insurance companies invest. Mayer Brown partners Paul Forrester and Larry Hamilt…

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CFPB Update—Constitutional Crisis or Business as Usual? 34:58

1+ y ago34:58

34:58

The Fifth Circuit recently ruled that the Consumer Financial Protection Bureau’s (CFPB) funding structure is unconstitutional, casting doubt on all of the agency’s actions. But the CFPB is as active as ever. Please join Mayer Brown lawyers Ori Lev, Chris Leach, and Christa Bieker as they discuss the Fifth Circuit’s ruling and its implications as we…

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Negotiating for Value in Outsourcing Contracts 29:14

1+ y ago29:14

29:14

Market and technology changes create opportunities for companies to substantially reduce costs by negotiating or renegotiating managed services agreements and other outsourcing services agreements. In this episode, ISG partner Jon Lightman and Mayer Brown partners Brad Peterson and Mark Prinsley, along with host Julian Dibbell, discuss how to lever…

1
Data Privacy & Cybersecurity: Spotlight on the Board and C-Suite for Global Data Innovation 58:17

1+ y ago58:17

58:17

With the cybersecurity landscape evolving ever more rapidly, and the threats to businesses’ critical information and assets—as well as to their bottom lines—are only increasing. Breaches continue to grow in scale and sophistication, regulators are crowding the field with an expanding and shifting array of requirements and de facto standards, and li…

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Increased Scrutiny of Private Equity Ownership of Insurers 22:51

1+ y ago22:51

22:51

Private equity (“PE”) investment in US insurers has increased, with a particular emphasis on life insurance groups. In response, the National Association of Insurance Commissioners (“NAIC”) has taken a renewed interest in how PE investment might impact the safety and stability of the insurers involved. Mayer Brown partners Larry Hamilton and Sanjiv…

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Strategic Considerations for Data Privacy Compliance in Tech Transactions 18:52

1+ y ago18:52

18:52

When engaging in a tech transaction, you must know your obligations under data privacy laws. First and foremost, it’s critical to consider whether “personal information”—a broad term that encompasses many types of data—is disclosed or received under an agreement. You must also understand the geographic scope of your deal, which data privacy laws ap…

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European Commission Report on the EU Securitization Regulation 13:33

1+ y ago13:33

13:33

On October 10, 2022, the European Commission published its report on the functioning of the EU Securitization Regulation. The report includes the Commission’s legal interpretation of the jurisdictional scope of the Regulation. Mayer Brown partner Neil Hamilton will discuss the Report and its impact on US securitizations offered to European institut…

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