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Washington, DC
United States

(575) 737-8602

Jo Ann Barefoot explores how to create fair and inclusive consumer financial services through innovative ideas for industry and regulators

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Publications & Media



Podcast with 11FS Fintech Insider, "Insights: Financial Services and Mental Health"

February 2, 2018


Regtech could help stop human trafficking

American Banker - January 31, 2018

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Cover story in Texas Banking Association magazine, "Innovation in Banking"

January 2018


Interview with FinTech TV at the Money 20/20 conference in Las Vegas

November 13, 2017


Podcast with BAI: The Unstoppable Rise of RegTech

November 7, 2017



Interview with American Banker at the RegTech Compliance Transformed Conference

October 3, 2017

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Quoted in American Banker: Will Regtech Kill Bank Jobs?

October 5, 2017


Quoted in S&P Global Publication on August 7, 2017 in the article title "SoFi Bank charter could test CRA status quo" by Kate Garber, Zach Fox, and Maria Tor.


Banking Exchange - July 13, 2017 

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Quoted in the Banking Exchange article "Regtech to the Rescue" by Steve Cocheo 

June/July 2017 Issue

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Quoted in the Bank Director article, "If the OCC Offers Them a Charter, Will Fintech Firms Come?" by Emily McCormick

2nd Quarter Issue 2017

Interviewed on Brett King's Breaking Banks episode: AI and Fintech: Solutions and Challenges on May 26, 2017.


Podcast on Tearsheet, "If regulators can tilt fintech, they'll be able to tilt all of finance" on April 17, 2017.

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Interviewed by Hub Culture at the Innovate Finance Global Summit in London on April 11, 2017.


Heard on NPR's Morning Edition on March 31, 2017, "Will Using Artificial Intelligence To Make Loans Trade One Kind Of Bias For Another?"  

Regulatory Innovation

FinTech Law Report - May/June 2016


Banking Exchange - July 2015


Disrupting Consumer Financial Services

Forbes Opinion - September 10, 2014

articles and publications

Compliance as a Dream Instead of a Nightmare

ABA Banking Journal - December 6, 2013

Finding a Plan for Workable Consumer Compliance

ABA Banking Journal - November 22, 2013

Compliance Tsunami Survival

ABA Banking Journal - August 18, 2013

Finance, Fairness, and Facebook: Use Complaints to Protect Your Bank

ABA Banking Journal - April 4, 2012

This article looks at the convergence of two of the hottest topics in financial consumer protection -- managing customer complaints and using information from social media. Banks need to be actively finding and learning from complaints online.

Red Alert on Redlining

Cowritten with Andy Sandler - ABA Banking Journal - March 2011

Photo courtesy of Matthew Van Buskirk -

Media coverage

Quoted in the American Banker on August 19th, 2016 in the article titled "State Regulators Balk at OCC Fintech Charter" by Lalita Clozel.

Quoted in the American Banker on June 10, 2016 in the article title "Fintech Firms Press OCC for Specialized Charter" by Lalita Clozel.

Quoted in the Wall Street Journal on June 9, 2016 in the article titled "Fintech Startup Craves More Regulation" by Rachel Witkowski and Telis Demos.

Quoted in the American Banker on May 9, 2016 in the article titled "OCC Weighs New Charter for Fintech Firms" by Lalita Clozel.

Quoted in the American Banker on May 29, 2014 in the article titled "CFPB Faces Hard Choice on Regulating Auto Title Loans" by Kevin Wack

Quoted in the American Banker on May 23, 2014 in the article titled "What GSE Impasse Means for Other Bank Rules" by Joe Adler.