COMPLY: The Marketing Compliance Podcast

The Expert Interview Series is a segment of the COMPLY Podcast where we shine a spotlight on the industry leaders who are truly making a difference in the marketing compliance landscape. These boots-on-the-ground professionals work tirelessly to protect consumers while navigating the complex regulatory environment.We’ll chat with these compliance experts as they share their real-world experiences, expertise, and practical insights. By hearing from those who are actively engaged in compliance, you’ll gain valuable perspectives and actionable strategies to apply in your own work.In this episode, I sat down with Andrew Grant, Partner at Runway LLP, where we talked about his extensive experience in financial services law and how companies can operationalize compliance effectively. We explored Andrew’s unique insights from his 15-year career, particularly in the evolving fintech landscape and its regulatory challenges.Discussion topics include:How compliance teams can shift from being seen as “the team that says no” to being problem solvers who help businesses succeedWhy strong compliance programs can help companies stand out and win partnerships with banks and other financial playersThe importance of gaining compliance buy-in from leadership and other departments (and tips on how to get it)Predictions for 2025 amidst a new administration, including steady enforcement from the CFPB, a decrease in new federal regulations, and increased state-level activity to address gaps in financial oversightShow Notes:COMPLY Podcast Speaker Interest Form: https://comply.performline.com/comply-content-speaker-interestDriving Marketing and Compliance Collaboration with Technology: https://performline.com/blog-post/driving-marketing-and-compliance-collaboration-with-technology/Connect with Andrew: https://www.linkedin.com/in/andrew-w-grant-24667315/Connect with Gianna: https://www.linkedin.com/in/gianna-kennedy/

In this episode of the COMPLY Podcast, I sat down for part 2 of a discussion with my special guest Kristina Sacco about building a strong culture of compliance.  In this episode, Kristina shares some additional bits of wisdom and best practices for making sure that everyone understands the importance of compliance.Topics include:The important task of training and continuing education of yourself and your organizationWhy it is important for the message of compliance to be communicated from the top down.How compliance can work with the business to inspire changeAdvice for those new to complianceShow NotesUpcoming Events: https://events.performline.com/upcoming-eventsPart 1 of Kristina’s Podcast: https://performline.com/blog-post/episode-53-creating-a-culture-of-compliance-with-kristina-sacco-pt-1/Compliance Superhero Kristina Sacco: https://performline.com/blog-post/compliance-superhero-kristina-sacco/Connect with Rhonda: https://www.linkedin.com/in/rhonda-mcgill/Connect with Kristina: https://www.linkedin.com/in/kristina-sacco-co/

In this episode of the COMPLY Podcast, I sat down with my special guest Kristina Socco to talk about what it takes to build a strong culture of compliance.  Kristina shares some of her thoughts and best practices for getting everyone on board to partner together to make sure that the lines of communication are open and that everyone feels like they have some ownership in the process.Discussion topics include:Compliance departments as the gatekeepers of the organizationHow the compliance team can help the organization shineThe importance of networking with other compliance professionalsShow NotesDriving Marketing and Compliance Collaboration with Technology: https://performline.com/blog-post/driving-marketing-and-compliance-collaboration-with-technology/Compliance Superhero Kristina Sacco: https://performline.com/blog-post/compliance-superhero-kristina-sacco/Upcoming Events: https://events.performline.com/upcoming-eventsConnect with Rhonda: https://www.linkedin.com/in/rhonda-mcgill/Connect with Kristina: https://www.linkedin.com/in/kristina-sacco-co/

This COMPLY Podcast episode is part 2 of a conversation between Eric Goldberg, Partner at Akerman LLP, Catherine Brennan, Partner at Hudson Cook LLP, and Rhonda McGill, PerformLine’s Senior Director of Customer Marketing as they discuss the impact of recent regulatory activities on marketing compliance.They discuss:The implications of the Supreme Court's decision to overturn the Chevron DoctrineChanges to the statute of limitations for regulatory challenges, which could result in a wave of new challenges to long-established regulationsBest practices for navigating these regulatory changes and moreShow NotesEpisode 51: Expert Insights on Regulatory Shifts in EWA and BNPL: https://performline.com/blog-post/episode-51-expert-insights-on-regulatory-shifts-in-ewa-and-bnpl/Impact of Recent Regulatory Updates: EWA, BNPL, Chevron Doctrine: https://performline.com/blog-post/impact-of-recent-regulatory-updates-ewa-bnpl-chevron-doctrine/Access PerformLine’s free Marketing Compliance Resource Library: https://performline.com/resources/Connect with Rhonda: https://www.linkedin.com/in/rhonda-mcgill/Connect with Eric: https://www.linkedin.com/in/ericigoldberg/Connect with Cathy: https://www.linkedin.com/in/cathybrennan/Connect with Gianna: https://www.linkedin.com/in/gianna-kennedy/

This COMPLY Podcast episode is part 1 of a conversation between Eric Goldberg, Partner at Akerman LLP, Catherine Brennan, Partner at Hudson Cook LLP, and Rhonda McGill, PerformLine’s Senior Director of Customer Marketing as they discuss the impact of recent regulatory activities on marketing compliance.They discuss:How recent CFPB rulings are redefining Earned Wage Access (EWA) and Buy Now, Pay Later (BNPL) productsThe specific challenges EWA and BNPL providers face in adapting to new regulations, such as the need for revised disclosure practices and handling consumer disputesPotential long-term impacts of these regulatory changes

In this episode of the COMPLY Podcast, I sat down with my co-host Rhonda to debrief on our recent banking industry compliance roundtable and highlight key themes and takeaways from the event.Discussion points include:Social media compliance for mortgage and loan officersInsights on the compliance review process of marketing materialsBest practices for bank-fintech partnerships and marketing complianceCommon BSA/AML challenges for fintechsShow Notes:Streamline Compliance Review with PerformLine’s Document Review: https://performline.com/blog-post/streamline-compliance-review-with-performlines-document-review/The Compliance Checklist for Bank-Fintech Partnerships and BaaS Providers: https://content.performline.com/compliance-checklist-bank-fintech-partnerships-baas-providersUpcoming Events: https://events.performline.com/upcoming-eventsConnect with Rhonda: https://www.linkedin.com/in/rhonda-mcgill/Connect with Gianna: https://www.linkedin.com/in/gianna-kennedy/

In this episode of the COMPLY Podcast, we’re joined by Sandhya Brown, Assistant Director in the Division of Financial Practices at the Federal Trade Commission as she shares her perspective on what the Commission has been up to and what financial service providers should keep in mind in terms of compliance and consumer protection.Discussion points include:The two-sided risks of AI for complianceHer insights on a couple of FTC cases involving lead generationUpdates on FTC rulemakings and guides

This COMPLY Podcast episode is part 2 of a discussion between John Zanzarella, PerformLine’s SVP of Sales, Jonathan Pompan, Partner at Venable LLP, and Brian Serafin, Counsel at Weiner Brodsky Kider, as they take a deep dive into recent regulatory activity around UDAAP and deceptive advertising and best practices for getting ahead of risk.They discuss:Problematic terms in marketing materials, such as “instant,” “free,” and “affordable”The FDIC’s updated advertising rule and how it impacts both banks and non-banksBest practices for ensuring transparent communication in marketingShow Notes:Top UDAAP Compliance Issues Across Marketing Content: https://content.performline.com/report/the-top-udaap-compliance-issues-across-published-contentFDIC’s Advertising Rule and Updates for Digital Marketing Materials: https://performline.com/blog-post/fdic-advertising-rule-updates-digital-marketing-materials/Expert Insights on UDAAP and Deceptive Advertising, Part 1: https://performline.com/blog-post/episode-47-expert-insights-on-udaap-and-deceptive-advertising-pt-1/Connect with John: https://www.linkedin.com/in/johnzanzarella/Connect with Jonathan: https://www.linkedin.com/in/jonathan-pompan-43535935/Connect with Brian: https://www.linkedin.com/in/brian-serafin-23297620/Connect with Gianna: https://www.linkedin.com/in/gianna-kennedy/

This COMPLY Podcast episode is part 1 of a discussion between John Zanzarella, PerformLine’s SVP of Sales, Jonathan Pompan, Partner at Venable LLP, and Brian Serafin, Counsel at Weiner Brodsky Kider, as they take a deep dive into recent regulatory activity around UDAAP and deceptive advertising and best practices for getting ahead of risk.They discuss:Recent activity from the CFPB and FTC around UDAAP and deceptive advertisingExpectations for the impact of the Supreme Court’s ruling to uphold the CFPB’s constitutionalityWhy product, marketing, and compliance teams need to collaborate for successShow Notes:Top UDAAP Compliance Issues Across Marketing Content: https://content.performline.com/report/the-top-udaap-compliance-issues-across-published-contentUDAAP and Deceptive Advertising: Expert Insights & Best Practices: https://www.performline.com/blog-post/udaap-and-deceptive-advertising-expert-insights-and-best-practices/The Ultimate UDAAP Compliance Checklist: https://content.performline.com/checklist/udaap-marketing-compliance-consumer-financeConnect with John: https://www.linkedin.com/in/johnzanzarella/Connect with Jonathan: https://www.linkedin.com/in/jonathan-pompan-43535935/Connect with Brian: https://www.linkedin.com/in/brian-serafin-23297620/Connect with Gianna: https://www.linkedin.com/in/gianna-kennedy/

In this episode of the COMPLY Podcast, I sit down with my co-host Rhonda McGill to discuss the latest trends and challenges shaping the mortgage compliance landscape, drawing from our most recent mortgage industry roundtable with compliance leaders.We’ll cover:State licensing disclosures in marketing and advertising materialsCompliance considerations for QR codes that point consumers to loan information or to directly applyThe frequency and intensity of regulatory examinationsHow companies adapting their business practices to stay compliant and competitiveHow the Supreme Court’s ruling on the CFPB’s constitutionality could affect compliance practices within the mortgage industryShow Notes:Join the next mortgage industry roundtable: https://comply.performline.com/roundtable/mortgage[Webinar] UDAAP + Deceptive Advertising: The Cost of Misleading Marketing Materials: https://comply.performline.com/webinar/udaap-deceptive-advertisingAccess more PerformLine content and resources: https://performline.com/resources/Consumer Mortgage Protection Act FAQ: https://www.michigan.gov/difs/news-and-outreach/faq/consumer-finance/consumer-mort-protection-actMichigan Consumer Mortgage Protection Act (Excerpt): https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-445-1636Regulation X Part 1024 on special information booklet at time of loan application: https://www.consumerfinance.gov/rules-policy/regulations/1024/6/Connect with Rhonda McGill: https://www.linkedin.com/in/rhonda-mcgill/Connect with Gianna Kennedy: https://www.linkedin.com/in/gianna-kennedy/

2023 was a year of increased regulatory scrutiny for bank-fintech partnerships. This, coupled with a challenging macroeconomic environment and an election year, means there’s a lot on the horizon for the compliance space for the industry in 2024.In this podcast, we’re joined by industry experts Elizabeth Gorz, Chief Strategy Officer & Head of Legislative Affairs at American Fintech Council, and Ed Greene, BSA Officer at Middlesex Federal Savings, to discuss:How banks can establish and maintain compliance over their fintech program after a challenging year of budget cuts and being asked to do more with lessBest practices for fintechs to better prepare themselves for a cohesive and compliant partnership with banksHow banks can ensure accurate communication to consumers when that communication comes from fintechs and their partnersShow Notes:How to Strengthen Bank and Fintech Partnerships with Compliance: https://performline.com/blog-post/how-to-strengthen-bank-and-fintech-partnerships-with-compliance/How Banks Can Scale Fintech Partner Compliance Oversight with PerformLine: https://performline.com/blog-post/how-banks-can-scale-fintech-partner-compliance-oversight-with-performline/Why Banks are Investing in Marketing Compliance Technology: https://performline.com/blog-post/why-banks-are-investing-in-marketing-compliance-technology/Connect with Elizabeth: https://www.linkedin.com/in/elizabeth-gorz-681544b9/Connect with Ed: https://www.linkedin.com/in/ed-greene-esq-crcm/Connect with John: https://www.linkedin.com/in/johnzanzarella/Connect with our co-host, Gianna: https://www.linkedin.com/in/gianna-kennedy/

COMPLY is turning 2! To celebrate, we have pulled together a compilation of some of our favorite moments from the last couple of years so that we could highlight some of the many great speakers that we have had on the show.In today’s podcast, our guests will share their insights on the following:How taking a look at past enforcement actions can help you shore up your compliance program.What the growth of the CFPB means for future enforcements.Why training and ongoing discussions with your team matter when building a culture of compliance.The importance of organizations proactively taking extra steps to protect consumers.The importance of having an automated RegTech solution in place to ensure both compliance and brand protection.Show NotesBuilding, Evolving, and Automating Fintech Marketing Compliance with Ethan Singleton: https://performline.com/blog-post/episode-41-building-evolving-and-automating-fintech-marketing-compliance/CFPB Complaints, Enforcements, & Navigating New Compliance Challenges with Melissa Baal Guidorizzi: https://performline.com/blog-post/episode-38-cfpb-complaints-enforcements-navigating-new-compliance-challenges/Building a Culture of Compliance with Faraz Rana: https://performline.com/blog-post/episode-28-building-a-culture-of-compliance-with-faraz-rana/UDAAP Compliance Trends and Best Practices Pt. 1 with James Kim: https://performline.com/blog-post/episode-25-udaap-compliance-trends-and-best-practices-pt-1/The Top UDAAP Compliance Issues Across Published Content with Michael Gibney: https://performline.com/blog-post/episode-22-the-top-udaap-compliance-issues-across-published-content/Why Banks are Investing in Marketing Compliance Technology Blog: https://performline.com/blog-post/why-banks-are-investing-in-marketing-compliance-technology/Consumer Complaint and Compliance Trends for Bank-Fintech Partnerships Infographic: https://content.performline.com/infographic/consumer-complaint-compliance-trends-bank-fintech-partnershipsConnect with me, Rhonda: https://www.linkedin.com/in/rhonda-mcgill/

Fintech Meetup provides an opportunity for the fintech industry to connect and collaborate to shape the future of fintech. PerformLine and FS Vector were both in attendance and had a birds-eye view of this event and were able to glean some great takeaways for us to share with our listeners.In today’s COMPLY Podcast episode, I am joined by Ethan Singleton, Principal at FS Vector, and Alex Morris, Sr. Account Executive at PerformLine, where we will chat about:BaaS partnerships—is there light at the end of the tunnel?The growing fintech community and the blooming collaborationsCompliance still matters!Regulators support innovation while warning about consumer protectionShow Notes:Ethan's Debut COMPLY Podcast Episode: https://performline.com/blog-post/episode-41-building-evolving-and-automating-fintech-marketing-compliance/Why Banks are Investing in Marketing Compliance Technology Blog: https://performline.com/blog-post/why-banks-are-investing-in-marketing-compliance-technology/Learn more about FS Vector: https://fsvector.com/Connect with Ethan Singleton: https://www.linkedin.com/in/ethan-singleton-esq/Connect with Alex Morris Jones: www.linkedin.com/in/alex-morris-jones/Connect with me, Rhonda: https://www.linkedin.com/in/rhonda-mcgill/

Each year, PerformLine conducts a survey of marketing compliance professionals throughout the consumer finance industry to provide insights into the current state of marketing compliance in various organizations, their challenges, and future expectations. It aims to help organizations benchmark their compliance practices and identify areas for improvement.In this sneak peek, we discuss:Key data points and takeaways from the reportThe most consistent and inconsistent data points year over yearInsights on how marketing and compliance teams are collaboratingShow Notes:Marketing Compliance Resource Library: https://content.performline.com/marketing-compliance-resource-libraryConnect with Gianna: https://www.linkedin.com/in/gianna-kennedy/Connect with me, Rhonda: https://www.linkedin.com/in/rhonda-mcgill/

There has been a shift in how regulators are approaching regulation of BaaS and FinTech’s.  As enforcement actions continue to increase, having a well prepared compliance program in place is important now more than ever.In today’s COMPLY Podcast episode, I am joined by Ethan Singleton, Principal at FS Vector where we will chat about:Regulation in a new age of fintechsHow banks and fintechs can apply what they have learned from regulatory actionsHow to know when the time is right to get out of spreadsheets and into a technology solutionThe cost of not having a monitoring process in place (and it's not just monetary)Show Notes:Marketing Compliance Enforcement Actions Stats & Themes: 2H 2023: https://bit.ly/3uJGVKKWhy Banks are Investing in Marketing Compliance Technology Blog: https://bit.ly/3w9Lgr1Learn more about FS Vector: https://fsvector.com/Connect with Ethan Singleton: https://www.linkedin.com/in/ethan-singleton-esq/Connect with me, Rhonda: https://www.linkedin.com/in/rhonda-mcgill/

In today's dynamic compliance landscape, marketing compliance remains an overlooked realm within banks and fintechs. The potential solution? Increased collaboration and representation at industry conferences, along with more fintech participation.In this COMPLY Podcast episode, I'm joined by Alex Morris, Senior Account Executive at PerformLine, where we chat about:The need for more marketing compliance resources and content at consumer finance industry conferencesChallenges faced by compliance teams who need to do more with lessThe crucial role technology plays in scaling consumer finance offeringsHeightened enforcement actions and higher standards in marketing compliance education in 2024Show Notes:Webinar: Strengthening Bank-Fintech Partnerships with Compliance:Building an Efficient and Compliant Ecosystem in Banking & Fintech:Why Banks are Investing in Marketing Compliance Technology: Connect with Alex Morris Jones: www.linkedin.com/in/alex-morris-jones/Connect with me, Rhonda: www.linkedin.com/in/rhonda-mcgill/

2024 is already shaping up to be an unprecedented year that will continue to be filled with regulatory and compliance pressures including increased rulemaking, examinations and enforcement. As we enter what is sure to be yet another busy year in the regulatory space, regulators are gearing up to ensure that consumer protection continues to be the focus of their ever-growing agenda.Today's episode is part 2 of a discussion featuring CFPB alumni Gary Stein and Melissa Baal Guidorizzi, where they discuss:Recent CFPB Rulemaking ActivitySteps you can take now to get ahead of regulatory scrutinyLooking ahead at rulemaking for 2024Will the upcoming election impact operations at the CFPB?Show Notes[Part 1] COMPLY Podcast Episode 38: CFPB Complaints, Enforcements, & Navigating New Compliance Challenges: https://performline.com/blog-post/episode-38-cfpb-complaints-enforcements-navigating-new-compliance-challenges/Expert Insights: The CFPB’s Impact in 2023 and Beyond: https://bit.ly/4aE8OUZ2023 Complaint Risk Signal Report: https://bit.ly/3tFDCDY2H 2023 Marketing Compliance and Enforcement Actions Quarterly Review: https://bit.ly/3H7WfniConnect with John: https://www.linkedin.com/in/johnzanzarella/Connect with Gary: https://www.linkedin.com/in/gary-stein-7b7337/Connect with Melissa: https://www.linkedin.com/in/melissa-baal-guidorizzi-047263a/Connect with me, your new COMPLY Podcast host, Rhonda: https://www.linkedin.com/in/rhonda-mcgill/

Facing another record-breaking year of consumer complaints in 2023, the consumer finance industry faces a pivotal crossroads. This surge, along with intensified rulemaking and enforcement activities from the CFPB, signals unprecedented regulatory and compliance pressures.Today's episode is part one of a discussion featuring CFPB alumni Gary Stein and Melissa Baal Guidorizzi, where they discuss:Consumer complaint trends in 2023 and factors that led to the record volumeLeveraging consumer complaint data for internal compliance processesRecent enforcement action numbers and the impact they have for the CFPBHow CCOs can navigate new challenges in 2024Show Notes:Expert Insights: The CFPB’s Impact in 2023 and Beyond: https://bit.ly/4aE8OUZ2023 Complaint Risk Signal Report: https://bit.ly/3tFDCDY2H 2023 Marketing Compliance and Enforcement Actions Quarterly Review: https://bit.ly/3H7WfniConnect with John: https://www.linkedin.com/in/johnzanzarella/Connect with Gary: https://www.linkedin.com/in/gary-stein-7b7337/Connect with Melissa: https://www.linkedin.com/in/melissa-baal-guidorizzi-047263a/Connect with me, your new COMPLY Podcast host, Rhonda: https://www.linkedin.com/in/rhonda-mcgill/

If you missed our session at Money20/20 this year on The New Era of Banking Efficiencies, you’re in luck. Today’s episode is the second part of that discussion featuring PerformLine’s CEO and Founder Alex Baydin, Harsha Ragunath, Head of Product Compliance at Stripe, and Babette Reynolds, Head of the Enterprise Compliance Program Office at Truist.During today’s episode, they discuss:The prevailing industry theme of prioritizing efficient and profitable growth over growth at any cost, and the crucial role technology plays in achieving more with less.The significance of leveraging advanced technology, such as PerformLine, to enhance the efficiency of compliance teams, and how this strategic use of technology facilitates the transition of top performers from task-oriented roles to thought leaders within the organization.And finally, the discussion ends with the guests sharing their predictions regarding the future of technology in the compliance and risk sector.Show Notes:PerformLine at Money20/20 USA 2023, The New Era of Banking Efficiencies Recording: https://bit.ly/47AqbE6Consumer Complaint and Compliance Trends for Bank-Fintech Partnerships Infographic: https://bit.ly/49XEjJ0Why Partner Banks Love PerformLine for Marketing Compliance Blog: https://bit.ly/4acvifBWhy Banks are Investing in Marketing Compliance Technology Blog: https://bit.ly/3QTpRcg5 Signs It’s Time To Invest In A Marketing Compliance Software: https://bit.ly/3MHGKFx

If you missed our session at Money20/20 this year on The New Era of Banking Efficiencies, you’re in luck. Today’s episode is the first part of that discussion featuring PerformLine’s CEO and Founder Alex Baydin, Harsha Ragunath, Head of Product Compliance at Stripe, and Babette Reynolds, Head of the Enterprise Compliance Program Office at Truist.During today’s episode, they discuss:The role of fintechs in compliance & collaboration, and how Stripe's compliance team collaborates cross-functionally to ensure compliance in product design and development; and acts as a communication bridge to facilitate discussions between fintech features and partner banks' compliance.The current transformation that Truist, and many other large banks, are undergoing right now to automate a lot of the risk and compliance functions, especially as they pertain to their fintech partnerships.And finally, the group speaks to the issued guidance earlier this year from the Fed, FDIC, and the OCC, which noted that banks are accountable for the risk management of third-party providers and how both fintechs and partner banks can go about vetting potential partners to align on compliance requirements.Show Notes:PerformLine at Money20/20 USA 2023, The New Era of Banking Efficiencies Recording: https://bit.ly/47AqbE6Consumer Complaint and Compliance Trends for Bank-Fintech Partnerships Infographic: https://bit.ly/49XEjJ0Why Partner Banks Love PerformLine for Marketing Compliance Blog: https://bit.ly/4acvifBWhy Banks are Investing in Marketing Compliance Technology Blog: https://bit.ly/3QTpRcg5 Signs It’s Time To Invest In A Marketing Compliance Software: https://bit.ly/3MHGKFxConnect with Ashley “AC” Cianci: https://www.linkedin.com/in/ashley-cianci/