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Richard Riese

Richard Riese

Richard Riese is a former banking regulator and retired industry advocate who provides practical insights on developing policy and managing regulatory risks in the delivery of consumer financial services and products as Principal of SMAART.COnsulting.

Bankers don't like UDAAP. But the House financial services package may contain changes that will also make their unhappy, argues a compliance veteran.

Returning UDAAP to UDAP: more unintended consequences?

Compliance Viewpoint: CHOICE Act provision has surface appeal, but bankers must dig before backing it
Even with a Republican in the White House, the banking industry faces a transition at CFPB that won't be as simple as some might hope.

Prospects for CFPB transition: guide for the patient banker

Near term, Congress presents best hopes. Longer term, reform will get some traction—with effort
Bank boards must close up the gaps to oversee compliance appropriately.

Compliance risk rises to top of board agenda

In wake of Wells affair, directors must reconsider what “risk appetite” really means

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WEBINAR
From Instant Payments to Stablecoins:
Building for What's Next

Tuesday, July 14, 2026 at 2:00 ET

Just when many financial institutions are getting comfortable with instant payments, a new question is emerging: What happens when money itself becomes programmable? For financial institutions, the challenge is not deciding between instant payments and stablecoins. It's understanding how today's modernization decisions will determine the ability to compete tomorrow.

The webinar will cover:

  • How instant payments are laying the groundwork for digital money.
  • Why stablecoins are gaining momentum with recent regulatory developments.
  • How leading institutions are overcoming common payments modernization roadblocks.
  • What it takes to support both real-time payments and digital assets.
  • Steps to prepare for emerging payment rails while maximizing existing investments.

REGISTER NOW!