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# The Evolution of Banking: The 2020 Cato Summit on Financial Regulation 

Date and Time 

September 9, 2020 11 AM - 2 PM EDT 

Location 

Live Online 

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Hundreds of innovative firms have now entered into payments, lending, and other consumer financial markets that banks used to dominate. These new entrants have raised the quality, lowered the cost, and expanded the reach of financial products to Americans who were previously excluded. But their growth has also raised questions about the fitness of existing regulation. Does it adequately address consumer protection and prudential concerns about these new entrants? What are the relative roles of state and federal regulators? And how can policy change best encourage entry into banking that will benefit consumers? Join us for an outstanding virtual program, featuring leading policymakers and experts, at Cato’s sixth annual Summit on Financial Regulation.

11:00-11:05 AM 

**Welcome and Introduction**

**[Jennifer Schulp](https://cato.org/people/jennifer-schulp) ([@JenniferJSchulp](https://twitter.com/JenniferJSchulp))**, Director of Financial Regulation Studies, Center for Monetary and Financial Alternatives, Cato Institute

11:05-11:30 AM 

**Opening Fireside Chat: New Entrants into U.S. Banking**

**Brian P. Brooks ([@BrianBrooksOCC](https://twitter.com/BrianBrooksOCC))**, Acting Comptroller of the Currency 
Moderated by **[Diego Zuluaga](https://cato.org/people/diego-zuluaga) ([@FintechDiego](https://twitter.com/fintechdiego))**, Associate Director of Financial Regulation Studies, Center for Monetary and Financial Alternatives, Cato Institute

12:00-1:00 PM 

**Expert Panel: Increasing Competition in Banking**

**Eric Goldberg ([@eigoldberg](https://twitter.com/eigoldberg))**, Partner, Consumer Financial Services Practice Group, Akerman LLP 
**Maria B. Earley**, Partner, Reed Smith 
**Ron Shevlin ([@Rshevlin](https://twitter.com/rshevlin))**, Director of Research, Cornerstone Advisors 
Moderated by **[Dan Quan](https://cato.org/people/dan-quan) ([@DanQuan13](https://twitter.com/DanQuan13))**, Adjunct Fellow, Center for Monetary and Financial Alternatives, Cato Institute; former Head of Innovation, Consumer Financial Protection Bureau

1:30-1:55 PM 

**Closing Fireside Chat: The Role of State Regulators**

**Linda A. Lacewell ([@LindaLacewell](https://twitter.com/LindaLacewell))**, Superintendent, New York State Department of Financial Services 
Moderated by **[Diego Zuluaga](https://cato.org/people/diego-zuluaga) ([@FintechDiego](https://twitter.com/fintechdiego))**, Associate Director of Financial Regulation Studies, Center for Monetary and Financial Alternatives, Cato Institute

1:55-2:00 PM 

**Close**

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