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Washington, DC
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(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



Banking Exchange - July 13, 2017 


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

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

Regulatory Innovation

FinTech Law Report - May/June 2016

Compliance as a Dream Instead of a Nightmare

ABA Banking Journal - December 6, 2013

Fanciful exploration of how industry and regulators could do better in protecting financial consumers. Part 2 of two-part series. See also Part 1, "Finding a Plan for Workable Consumer Compliance.


Finding a Plan for Workable Consumer Compliance

ABA Banking Journal - November 22, 2013


Part 1 of two part exploration on how to improve consumer financial protection. See also Part 2, "Compliance As A Dream Instead of a Nightmare."

Alerting banks to the profound regulatory shift from narrow rules-based consumer financial protection to the new focus on broad, subjective principles, especially preventing unfair, deceptive, and abusive acts and practices (UDAAP). Suddenly, bank activities can be fully "compliant" with all technical regulations, but still found to be unfair or deceptive -- and therefore illegal. This shift is the biggest change the industry has ever faced regarding consumer businesses


The hidden risks of "UDAP" will transform compliance.

This article highlighted how UDAAP was likely to become one of the most significant risks in the regulatory landscape well before the shift actually occurred.

articles and publications

Disruption Everywhere: How will life Change?

Banking Exchange - July 2015

Banking Exchange magazine is young but growing fast. I'm especially enjoying their articles on navigating today's tumultuous financial marketplace, and so was delighted when my long-time friends Steve Cocheo and Bill Streeter asked me to join their advisory board and write for them on disruption. 

My article, here, surveys the forces driving disruptive innovation in retail banking and pinpoints practical steps to take, now, to weather what's coming.

Disrupting Consumer Financial Services

Forbes Opinion - September 10, 2014

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.

Podcast: Fee Income - Beware UDAAP Traps

ABA Banking Journal - March 8, 2012

Podcast based on Lyn's and my ABA Banking Journal cover story, "Don't Get Lost in UDAAP," focused on risks that fee income will be deemed unfair or deceptive by regulators.

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.