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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



Fireside Chat with Richard Cordray at Comply 2019

August 23, 2019


Featured on IIF’s FRT Podcast

August 15, 2019


Interviewed for Venminder’s Thought Leadership Series on Third Party Risk

July 18, 2019

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Mentioned in SC Magazine’s article, “Women in Security: Honorable Mention

July 1, 2019


Quoted in the Bloomberg Law article, “California Regulator Who Guided Fintech Growth Steps Aside

June 5, 2019


Co-authored article for The Financial Brand, “Self-Disrupting Banks and Credit Unions Without Blowing Them Up

April 30, 2019

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Quoted in “Are Americans Financially Healthy,” a CFSI Paid Post in The New York Times

April 23, 2019

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Mentioned in LendIt Fintech USA 2019 Event Highlights

April 18, 2019


Featured on For Fintech’s Sake Podcast

April 16, 2019


Keynote panel at LendIt Fintech USA: State vs. Federal Regulatory Perspectives

April 8, 2019


Quoted in the American Banker article, “Are global regulators gunning for big tech?

April 2, 2019


Interviewed by John Pitts for Fin, a Plaid publication, “Finterview: Barefoot Innovation's Jo Ann Barefoot

March 19, 2019


Quoted in the Bloomberg Law article, “Lending Club Legal Dispute Could Lay New Ground for OCC Charters

March 19, 2019


M-RCBG Associate Working Paper No. 111, “Regulation Innovation: Failures and Costs of Consumer Financial Protection Regulation

March 14, 2019


M-RCBG Associate Working Paper No. 110, “Regulation Innovation: Using Digital Technology to Protect and Benefit Financial Consumers

March 14, 2019

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Featured on Bank On It Podcast, recorded at the Finovate Conference on September 25, 2019

February 7, 2019

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Featured on the Future of Finance podcast

February 2, 2019


Guest blog for FINRA, Digitizing Regulation

January 30, 2019

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Article for BankThink, Bank Regulators are Getting Serious About Innovation

January 29, 2019

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Quoted in the Think Advisor article, “FINRA Forum Shows Promises and Pitfalls of New Technologies

January 22, 2019


Blog post for the Consumer Federation of America, Fintech Innovation: Dreams Come True, or New Nightmares, for Financial Consumers?

January 8, 2019

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Quoted in The Financial Brand article, “Top 10 Retail Banking Trends and Predictions For 2019

January 7, 2019


Interviewed by Rachel Stone for S&P Global, Risk-averse US Regulators at odds with fast-changing tech

December 6, 2018


Interview for Forbes, “A Regulation Revolution In Financial Services

December 3, 2018

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Podcast with Ryan Rasske at the ABA Financial Crimes Enforcement Conference

December 2, 2018


Future of Banking Enablers at the Singapore Fintech Festival

November 25, 2018

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Quoted in the Financial Brand, Can The Industry Change So Drastically Such a Short Time?

November 2018


Regulatory Innovation at the FCA - Interview with Christopher Woolard at Lendit Europe

November 18, 2018

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Recipient of the “Making a Difference” Award at the National Foundation for Credit Counseling Conference

October 31, 2018

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Quoted in American Banker, “Tech sprints, privacy fines, digital ID: Takeaways from RegTech confab

October 17, 2018

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Quoted in American Banker, “Fed will have the say on key parts of OCC’s fintech charter

September 18, 2018

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Quoted in American Banker, “How This Regulator is Using AI to Probe Financial Fraud

September 17, 2018

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Barefoot Innovation Podcast with Greg Kidd featured on GlobaliD Blog

September 6, 2018

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Quoted in the American Banker article, "Banks Network to Flag Human Traffickers"

August 20, 2018 


Quoted in the deBanked article, "The Seven Minute Loan Shakes Up Washington and the 50 States"

August 19, 2018

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Quoted in The Financial Brand, "Controversial New Bank Charter  Sparks Fears of Fintech Apocalypse"

August 1, 2018

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Appeared on Breaking Banks podcast, "Regtech Hits its Stride"

July 12, 2018


Podcast with Ryan Rasske at the ABA Regulatory Compliance Conference

June 25, 2018

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Podcast with CFTC Talks

June 14, 2018


Press Release: Inaugural member of the Milken Institute FinTech Advisory Committee

June 29, 2018


Quoted in deBanked article "Tech Changes Lending and Payments the World Over"

June 25, 2018


Guest on the Lend Academy Podcast

June 15, 2018

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Quoted in American Banker, "How Treasury could come down on fintech regulation"

                                                                                                                                                            June 12, 2018

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Podcast on Bank On It, "Digitally Native Compliance and Regulations"

May 15, 2018

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Quoted in American Banker, "The one area where banks and fintechs want more regulation"

                                                                                                                                                            May 11, 2018


Heard on NPR's Morning Edition, Updating The Community Reinvestment Act Is Fraught With Disagreement

May 1, 2018

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Podcast with John Siracusa, recorded at Lendit 2018

May 1, 2018

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HS Talks presentation "Regulation Innovation"

April 30, 2018


Podcast with NFCC

April 24, 2018



Conversation with Chris Larsen of Ripple, recorded at Lendit 2018

April 9, 2018


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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Podcast recorded at the ABA Financial Crimes Enforcement Conference

January 19, 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 


Jo Ann Barefoot #16 on the Planet Compliance list of Top 50 Regtech Influencers

June 23, 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.