Regulatory Oversight Podcast

In this episode of Regulatory Oversight, host Ashley Taylor continues the multipart series on artificial intelligence with colleagues Ghillaine Reid, David Stauss, and Matt Berns for a practical look at how states are actually regulating AI in 2025–26. Framed through a consumer protection lens, the discussion moves beyond theoretical federal proposals to real bills and regulations moving through state legislatures today. David surveys the national landscape, noting that nearly all state legislatures are active and that roughly 500 AI-related bills have been introduced, with major themes around pricing rules, consumer-facing interactive AI, health-related AI, provenance requirements, and the Colorado AI Act. Matt then focuses on the rapid growth of algorithmic pricing laws — 2025 statutes in Connecticut, New York, and California restricting the use of competitors' data and requiring disclosure of personalized or "surveillance" pricing, as well as 2026 proposals in states like Maryland, New Jersey, and California that increasingly target personalized pricing in groceries and other essential sectors. Ghillaine turns to transparency in synthetic content, contrasting New York's broad but stalled GenAI warning bill with its more precise "synthetic performers" law and tying those developments to California's AI Transparency Act (SB 942), which requires watermarking and detection tools for large generative AI platforms. The conversation rounds out with an overview of new state rules on chatbots and "companion AI," particularly in California, New York, and other states, describing requirements to clearly disclose when users — especially minors — are interacting with AI, protocols for handling suicidal ideation, and growing concerns over mental health use cases and broad private rights of action. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Regulatory Oversight, host Ashley Taylor continues his multipart series on artificial intelligence (AI) with returning guests Gurkan Ay and Andrew Coles of Resolution Economics. Together, they move beyond headlines and hypotheticals to focus on how AI is being regulated today — and what companies should be doing now to manage risk. Instead of waiting for a single federal AI law, the conversation explores the reality of "regulation by litigation" and enforcement. Ay and Coles explain how existing legal frameworks — such as anti-discrimination, employment, and privacy laws — already shape how AI can be used, and why the specific use case is critical. They walk through real-world examples using the same sentiment-analysis tool in two different ways, showing how differences in data, time horizon, and impact on employees can create very different risk profiles, even with identical technology. The discussion also tackles the perceived tension between innovation and safeguards, and ongoing debates over a national AI framework and preemption of state AI laws. Rather than framing AI as a choice between speed and safety, the guests argue that organizations can foster innovation while still being thoughtful about how AI affects employees, customers, and other stakeholders. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Regulatory Oversight, co-host Ashley Taylor, co-leader of Troutman Pepper Locke's State Attorneys General team, kicks off a multipart series on artificial intelligence (AI) with guests Gurkan Ay and Andrew Coles of Resolution Economics. They unpack what people really mean by "AI" today and why it is critical for risk, compliance, and legal exposure to distinguish among the three primary "flavors" of AI: predictive, generative, and agentic. In practical terms, they explain how predictive tools that score, rank, and classify individuals rely on historical data, how generative AI enables natural-language interaction but introduces risks like hallucinations, and how emerging agentic AI can autonomously plan and execute complex, multistep workflows, creating new governance challenges. The conversation then turns to how existing legal frameworks are being applied to these technologies, and how regulators are beginning to grapple with different AI use cases without a one-size-fits-all rule set. The guests discuss whether AI truly creates new categories of legal risk or primarily amplifies existing ones through scale, speed, and accessibility, and they highlight the growing role of "regulation by litigation" as courts and enforcers apply long-standing laws to new tools. They close with practical themes: organizations must understand their specific AI use cases, align them with existing legal and consumer expectations, and build defensible, consistent governance and compliance programs to manage legal and operational risk. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this special crossover episode of Regulatory Oversight and FCRA Focus, Kim Phan is joined by Michael Yaghi, partner in Troutman Pepper Locke's Regulatory Investigations, Strategy, and Enforcement practice group, to unpack the California Department of Financial Protection and Innovation's (DFPI) latest effort to require registration for the credit reporting industry. They discuss DFPI's second request for comment, how it fits into California's broader push to regulate nonbank financial services, and which entities may be swept in beyond the "big three" consumer reporting agencies — such as furnishers, data brokers, specialty credit reporting agencies, resellers, and fintechs. Kim and Michael also explore how narrowly (or broadly) the rules might be drawn, potential overlap and tension with existing FCRA requirements, what registration and reporting could mean in practice for covered entities, and what companies should be doing now as the February 26 comment deadline approaches. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this crossover episode, Regulatory Oversight host Stephen Piepgrass teams up with Payments Pros host Keith Barnett to unpack how prediction markets, gaming, and payments intersect in a rapidly evolving and legally uncertain landscape. Drawing on Keith's extensive regulatory experience, they explain what prediction markets are, why these contracts are treated as swaps rather than securities, and how that distinction affects insider trading issues. Stephen and Keith then address the growing tension between federal regulators and state attorneys general over whether these products are trading or unlicensed sports betting, the CFTC chair's recent criticism of "regulation by enforcement," and the NCAA's push to pause college sports contracts. They close by examining what this means for banks, payment processors, and other service providers navigating know-your-customer and "lawful transaction" obligations while the law remains in flux. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this special crossover episode of Regulatory Oversight and The Consumer Finance Podcast, Chris Willis is joined by colleagues Lori Sommerfield and Matthew Berns to discuss New Jersey's sweeping new disparate impact regulations under the Law Against Discrimination. They break down one of the most comprehensive state-level disparate impact rules in the U.S., the contrasts with traditional federal standards, and implications for enforcement in financial services. The discussion dives into credit scores, underwriting models, AI and automated decision-making tools, and the difference between New Jersey's approach and the Trump administration's effort to scale back disparate impact at the federal level, offering practical takeaways for lenders and other covered entities navigating this shifting landscape. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Regulatory Oversight, host Stephen Piepgrass, who leads Troutman Pepper Locke's Regulatory Investigation Strategy and Enforcement (RISE) practice, is joined by partner Lu Reyes for a deep dive into the national security and enforcement implications of predictive markets. The discussion centers on a headline‑grabbing Polymarket trade that appeared to anticipate former Venezuelan President Nicolás Maduro's capture and yielded roughly $400,000 in profit, raising questions about insider trading and classified information leaks.Stephen and Lu discuss how current regulatory frameworks and enforcement tools struggle to keep pace with emerging predictive markets, particularly where anonymity and digital assets can make it difficult to identify traders or trace funds. Drawing on Lu's experience as a senior national security official in the Bush administration, they explore how markets that allow betting on geopolitical and military outcomes could place a cash bounty on secrets, potentially encouraging espionage, recruitment of insiders, and even attempts to influence events rather than merely predict them.The episode also highlights key differences between predictive markets and traditional gambling, including post hoc event definitions and asymmetric access to information, and considers how regulators, Congress, and market operators might respond. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Regulatory Oversight, host Ashley Taylor is joined by Colorado Senate Majority Leader Robert Rodriguez and Troutman Pepper Locke Privacy + Cyber partner David Stauss for an in‑depth discussion of the Colorado AI Act—widely viewed as the nation's first comprehensive legislative framework focused on high‑risk AI systems and algorithmic discrimination. Senator Rodriguez explains how Colorado's work on consumer privacy laid the groundwork for AI regulation and walks through the origins, goals, and core provisions of the Act, including its emphasis on transparency, risk assessments, and protecting consumers in sectors such as employment, housing, health care, education, finance, and government services.Stauss situates the Colorado AI Act within the rapidly evolving state, federal, and international AI landscape, describing how lawmakers have sought to avoid a "Wild West" of conflicting state requirements by coordinating through a multi-state work group, and how that effort mirrors the development of state privacy laws. The conversation then turns to answer practical questions companies are asking—how to approach and structure AI risk assessments, the role of attorney-client privilege, how state attorneys general are likely to enforce these laws, and how to navigate growing tensions between state innovation and federal preemption efforts, including reported moves by the Trump administration to curb state AI regulations. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In the final episode of our special 12 Days of Regulatory Insights podcast series, Regulatory Oversight co-host Stephen Piepgrass sits down with Partner Ghillaine Reid — co-leader of the firm's securities investigations and enforcement team and a former SEC New York Regional Office branch chief and staff attorney — to assess how shifts in SEC leadership and composition are reshaping rulemaking and enforcement.Stephen and Ghillaine begin with a discussion on the impact of SEC Chair Paul Atkins' tenure and the appointment of Enforcement Director Meg Ryan amid significant staff attrition and a cost-cutting "efficiency" ethos that has produced a leaner enforcement tempo, fewer cases, and lower settlement totals. They unpack what moving formal order authority back to a commission vote means in practice, the administration's sharpened focus on investor protection and disclosure accuracy, and what public companies should be doing now to ensure consistency across SEC filings, earnings calls, and marketing. They also cover the rise in state-level activity — especially from New York, Massachusetts, Washington, and increasingly Florida and Texas — as state AGs fill federal gaps with a distinct consumer-protection playbook. Looking ahead to 2026, they preview of areas likely to draw heightened scrutiny, including issuer reporting, while offering actionable guidance for navigating parallel federal-state investigations. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of our special 12 Days of Regulatory Insights podcast series, RISE Partner Clay Friedman is joined by colleague Christy Matelis — a member of the firm's antitrust practice and former Utah assistant attorney general — to unpack what a newly reactivated FTC means for the year ahead.Clay and Christy discuss the current composition of the three-member, all-Republican Commission following recent changes, the ongoing legal challenges related to former Commissioner Rebecca Slaughter's termination, as well as Chair Andrew Ferguson's draft priorities memo signaling continued focus on technology, privacy, and data security.Christy discusses what enforcement might look like under a second Trump term, including continued focus on health care, pharmaceuticals, and technology, but with a slower pace. She notes a shift on noncompete agreements, with the FTC moving from broad rulemaking to handling cases individually — shown by dropping appeals on the previous ban but starting a new enforcement action. The conversation also covers staffing changes at the agency and what practitioners are seeing on the ground. On the consumer protection front, Clay and Christy break down the FTC-and-states lawsuit against Ticketmaster/Live Nation (bait pricing, ticket limits, and broker coordination) and the $14 million Match.com settlement underscoring clear disclosures and easy cancellation. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of our special 12 Days of Regulatory Insights podcast series, RISE attorney Nam Kang welcomes Partners Clay Friedman and Mike Yaghi for a practical look at 2025 regulatory enforcement trends in advertising and marketing.The insightful discussion in this series begins with the growing push for transparent, all‑in pricing aimed at eliminating junk fees and drip pricing. Clay and Mike explain how new and existing state laws intersect with longstanding UDAP principles, and how this patchwork impacts brands across marketing channels. Drawing on decades of experience advising clients on regulatory enforcement actions in the advertising and marketing space, Clay and Mike map best practices: putting the total, unavoidable price upfront; clearly differentiating retailer charges from government taxes and other mandatory fees; preserving advertisements and web flows for compliance; and avoiding misleading "taxes and fees" (or similar) bundles.The trio also breaks down the FTC's recent Ticketmaster/Live Nation case, the status of the vacated "Click to Cancel" negative option amendments and continued risks under ROSCA and the FTC Act, and concrete guardrails for subscription disclosures, express informed consent, confirmations, renewal notices, and the requirements for easy cancellations. Looking ahead to 2026, they expect continued state-level pricing enforcement, renewed federal attention to negative-option rulemaking, a focus on combating actual fraud, and heightened exposure for brands that fall short on transparent pricing and auto‑renew practices. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of our special 12 Days of Regulatory Insights podcast series, RISE partner David Dove is joined by colleague, former State Senator Kirk Dillard, partner at Troutman Strategies to examine 2025 economic development trends and what to expect in 2026. Kirk currently serves as chairman of the Regional Transportation Authority in metropolitan Chicago and was recently appointed to the Illinois Economic Development Corporation. David is the chairman of the University System of Georgia Board of Regents and actively represents clients in economic development projects across the U.S. David and Kirk examine 2025 economic development trends and what to expect in 2026.David and Kirk discuss how shifting federal regulations and tariffs continue to shape onshoring and investment decisions, particularly across the Midwest's advanced and traditional manufacturing, agribusiness, clean energy, and emerging sectors like quantum computing, microelectronics, and AI. Drawing on their government and deal‑room experience, David and Kirk highlight "positive lawyering" for growth projects — aligning incentives, grants, and workforce programs — while emphasizing the importance of knowing the client's business and decision‑makers. They explore the role of local partnerships and chambers, navigating community concerns in rural siting (from truck counts to road redesigns), and the pivotal infrastructure needs behind data centers, including utilities, water, and grid capacity. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of our special 12 Days of Regulatory Insights podcast series, Ashley Taylor, co-leader of Troutman Pepper Locke's State AG team, sits down with Privacy and Cyber chair Ron Raether to discuss how state attorneys general (AGs) are shaping the regulatory landscape for social media and the broader ad tech ecosystem.Ashley and Ron unpack AG priorities ranging from "AI washing" and scrutiny of predictive analytics — especially algorithmic pricing with consumer and antitrust implications — to the rising focus on consent management, transparency, and the maturity of compliance programs beyond paper policies. Ron explains how AGs are augmenting traditional investigatory tools (CIDs and subpoenas) with technologists and pre-investigation analytics, and highlights active states — including California, Colorado, Oregon, and Texas — along with core focus areas such as children's and teens' privacy, health-related data, and potential bias in algorithms. They then dig into the intensifying attention on data brokers, evolving registration and enforcement (including California's strike force), and practical challenges posed by deletion requirements. Ron closes with a pragmatic playbook: be prepared and test for operational compliance, tailor programs to business risk for real ROI, and engage regulators proactively — underscored by a simple but critical metric for compliance excellence: do what you say. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of our special 12 Days of Regulatory Insights podcast series, Chris Carlson is joined by colleagues Bryan Haynes and Agustin Rodriguez — members of our Tobacco and Nicotine Practice and RISE Practice Group — to review the year's most consequential developments in the tobacco and nicotine space and what they mean heading into 2026.The group looks at how states are quickly adopting vapor product directories to help curb illicit, unauthorized products, and discusses the wave of preemption challenges under the Food, Drug and Cosmetic Act. Bryan and Agustin explain California's new Unflavored Tobacco List and its interplay with the state's flavor ban, then turns to federal action: the unsettled status of FDA's graphic cigarette warning rule amid split court outcomes; 2025 PMTA milestones including authorizations for ZYN nicotine pouches and JUUL's tobacco/menthol products; FDA's pilot program to streamline review for nicotine pouches; NJOY's lawsuit over agency delays; and the District of Columbia Circuit's premium cigar decision and remand to define "premium cigars." Looking to 2026, Bryan and Agustin predict a quicker pace of authorizations for reduced-risk products, clearer FDA review standards, and sustained multistate enforcement against illicit products. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of our special 12 Days of Regulatory Insights podcast series, Stephen Piepgrass is joined by Cole White from our RISE Practice Group's gaming team for a timely, candid conversation on integrity risks and regulatory trends reshaping the legal gaming landscape.The discussion opens with recent law enforcement investigations touching the NBA, including allegations surrounding rigged high‑stakes poker games and inside information schemes, and explores what those probes may mean for charges, enforcement strategy, and league policy. Stephen and Cole unpack how the rapid expansion of sports wagering is testing compliance frameworks, why certain types of bets (like player proposition bets) draw heightened scrutiny, and how both technology and traditional evidence factor into detection. The conversation then turns to prediction markets — specifically Kalshi's sports‑related event contracts — and the growing federal-state jurisdictional debate over whether these markets fall under the CFTC's derivatives oversight or state gaming laws. They conclude by breaking down emerging standards and partnerships and what they could signal for the future of regulated wagering and event contracts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of our special 12 Days of Regulatory Insights podcast series, Gene Fishel, a member of the firm's RISE Practice Group and State AG team, is joined by Partner Dave Navetta of the Privacy + Cyber Practice Group, to discuss the biggest privacy and cyber enforcement themes of 2025 and preview what's ahead for 2026.Dave breaks down the surge of demand letters and lawsuits targeting website tracking technologies under wiretapping theories, and how regulators — especially in California — are stress-testing opt-out mechanisms, GPC signals, and consent tools. Gene adds a state AG enforcement perspective, highlighting recently utilized AG statutory tools and scrutiny around children's data and opt-out mechanisms. Looking forward, Dave explains why 2026 will be a watershed year for data brokers, with California's Delete Act and similar state frameworks poised to reshape "sale" practices and require ongoing checks of centralized opt-out platforms. The conversation closes with a preview of state AI laws taking effect in 2026 and what companies should be doing now to prepare. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of our special 12 Days of Regulatory Insights podcast series, RISE Practice Group Partners Lauren Fincher and Brian O'Reilly look at practical, recent developments and trends in open records laws for 2025. They explore the diverse — and often competing — perspectives in the public records space: protecting sensitive business information submitted to government versus fulfilling disclosure obligations as a governmental body.Lauren and Brian cover front-end strategies (including contract language), navigating exceptions to disclosure, seeking attorney general opinions, and litigating adverse rulings. They also share counseling insights for third parties and how requesters can use open records laws strategically. The episode examines the growing impact of technology: AI-drafted requests that unintentionally trigger "anticipated litigation" issues, the explosion of record types driving volume and burden, and ongoing debates over producible formats and search tools. Finally, they survey the evolving legislative landscape, including New York's recent veto of a bill to cap response times and Texas's strict, nonextendable deadlines, and discuss why fast-moving technology makes statutory updates challenging. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of our special 12 Days of Regulatory Insights podcast series, Stephen Piepgrass sits down with partner Mike Yaghi of the RISE practice group and State Attorneys General (AG) team to explore how businesses can strategically engage with the Better Business Bureau (BBB) to build consumer trust, bolster reputations, and reduce regulatory risk.Although the BBB isn't a government agency, it functions as a consumer watchdog — handling complaints, forwarding issues to companies, and, critically, making referrals to regulators like the Federal Trade Commission, Consumer Financial Protection Bureau, and state AGs. Mike and Stephen explain how maintaining BBB accreditation and promptly resolving complaints can prevent the "vicious cycle" of ignored issues, falling ratings, and heightened regulatory scrutiny, and instead create a "virtuous cycle" aligned with the BBB's "start with trust" ethos. They also address misuse of the BBB by fraudsters and competitors, sharing real-world examples and practical advice. Finally, they discuss how a strong BBB rating and documented consumer resolutions can carry positive weight in state AG investigations. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of our special 12 Days of Regulatory Insights podcast series, Chris Carlson, a partner in our RISE practice group and member of the State Attorney General (AG) team, is joined by colleagues Lauren Fincher, also a partner in our RISE practice and State AG team, and Barry Boise, a partner in our Health Care + Life Sciences Litigation practice, to examine how state AGs approached the health care sector in 2025, and what's coming next in 2026.The group discusses how state AGs have moved from focusing on pharma, devices, and nursing homes to scrutinizing the entire health care ecosystem — including PBMs, pharmacies, consultants, and private equity — with drug pricing, consolidation and antitrust, and PBM practices at the top of the agenda. Lauren and Barry detail the tools state AGs are deploying — UDAP/DTPA, Medicaid fraud and anti‑kickback statutes, state antitrust, and public nuisance — and explore the shift from multistate coalitions to solo state actions. They also highlight the rise of state AG involvement in health care deal approvals and pre‑notice regimes, alongside intensifying scrutiny of private equity ownership. Looking to 2026, the group forecasts sustained pressure on drug pricing, sharper battles over public nuisance, broader use of transaction approval laws, increased attention to the Make America Healthy Again initiative, and new questions about AI's impact on care within PE‑owned operations. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In the first episode of our special 12 Days of Regulatory Insights podcast series, Ashley Taylor, co-leader of the firm's State Attorneys General (AG) team, is joined by his colleague Stephanie Kozol, senior government relations manager for the State AG team. Together, they unpack how the latest state AG outcomes shape business risk and strategy — and what's ahead in the 2026 election cycle.Ashley and Stephanie begin by discussing two immediate developments: Virginia's AG office flips to Democratic control as Jay Jones defeats incumbent Jason Miyares, signaling likely pivots in regulatory actions; and New Jersey's gubernatorial result sets the stage for a Democratic-appointed AG and policy continuity. From there, Ashley and Stephanie look ahead to 2026, where open AG seats and several razor‑thin battlegrounds will reset enforcement priorities in health care, finance, technology, energy, and real estate. They emphasize that primary season rhetoric often previews first‑year enforcement, that senior staff transitions can materially affect investigations even when party control doesn't change, and that companies should audit strategies now while building bridges for early engagement once new AGs take office. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Regulatory Oversight, Stephen Piepgrass is joined by RISE partner Chris Carlson and New Jersey First Assistant Attorney General (AG) Lyndsay Ruotolo for a deep dive into the unique structure, scope, and impact of the New Jersey Office of the Attorney General (OAG). Lyndsay shares how her career in prosecution, county leadership, and federal service shaped a broad, modern view of public safety — one that spans criminal justice, consumer protection, health, and community well-being.Their conversation covers the OAG's expansive authority, its ability to issue statewide directives, and how close collaboration with law enforcement, communities, and industry is driving measurable results across New Jersey. From a first-of-its-kind active violent event directive and redesigned sexual violence response, to the Arrive Together co-responder model and data-driven gun violence reduction, Lyndsay explains how New Jersey pairs policy, training, and partnerships with transparency and accountability. Chris and Lyndsay also discuss practical guidance for businesses on engaging with the state, plus insights into cross-state AG collaboration that transcends party lines to advance public safety. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Regulatory Oversight, Stephen Piepgrass is joined by Zack Condry, co-founder of Watermark Strategies, to analyze the evolving landscape of crisis management and the critical role of strategic communication in navigating complex issues. They explore effective communication strategies, public relations, and the evolving role of AI in managing crises. Zack shares insights from his extensive experience in corporate communications and public affairs, from his background managing political campaigns to his current work developing digital strategies for high-profile clients.The conversation also addresses the challenges organizations face in information discovery, data privacy, and navigating regulatory and political landscapes. Stephen and Zack highlight the importance of data-driven decision-making in crisis management and how AI is shaping digital communications. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this crossover episode of The Consumer Finance Podcast and Regulatory Oversight, Chris Willis is joined by Joseph DeFazio, Bill Foley, and Michael Yaghi to discuss the implications of New York's FAIR Act, a significant amendment to the state's UDAAP statute. The FAIR Act aims to broaden consumer protection by lowering the threshold for legal action against unfair and abusive business practices. With expanded enforcement powers for the state, this legislation could dramatically increase litigation risks for financial services companies operating in New York if the governor signs the bill. Tune in to understand how this legislative shift might affect the industry and what steps businesses can take to prepare. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this crossover episode of The Good Bot and Regulatory Oversight, Brett Mason, Gene Fishel, and Chris Carlson discuss the latest state laws targeting AI, especially in health care. They break down new legislation in Colorado, Utah, California, and Texas, highlighting differences in scope and enforcement. They also cover how state attorneys general are using consumer protection and anti-discrimination laws to regulate AI, even in states without AI-specific statutes. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of our special Regulatory Oversight: Solicitors General Insights series, RISE Counsel Jeff Johnson, a former deputy solicitor general in the Missouri Attorney General's office, welcomes Michigan Solicitor General Ann Sherman and New Jersey Solicitor General Jeremy Feigenbaum. They explore the art of oral advocacy, sharing insights into how they effectively present cases. The conversation also addresses state sovereignty, emphasizing the importance of allowing states to experiment with policies and the impact of bipartisan issues, particularly those that resonate most effectively in front of SCOTUS.Additionally, the group examines the political dynamics surrounding sovereign immunity issues, including the delicate balance between foreign powers and a state's ability to assert its voice. Ann and Jeremy highlight areas where states have found common ground, showcasing how collective state action can lead to significant impacts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Regulatory Oversight, Stephen Piepgrass, Michael Yaghi, and Dan Waltz conclude their two-part series on the Better Business Bureau (BBB). The group discusses strategies for managing and improving BBB ratings for businesses, while examining how consumer complaints impact potential regulatory actions. They emphasize the importance of addressing these consumer complaints promptly, highlighting the need for effective training and streamlining complaint handling processes within companies to prevent issues from being overlooked.The group explores the impact of regulatory actions on BBB ratings and the importance of understanding how multistate and single state investigations can affect a company's score. They offer solutions to address BBB rating concerns, aiming to minimize these potential legal and regulatory challenges, while fostering consumer trust. The conversation concludes with insights into the BBB's cooperative approach and its relationship with state regulators. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Regulatory Oversight, we kick off a two-part series on the Better Business Bureau (BBB). Stephen Piepgrass, Michael Yaghi, and Dan Waltz explore the significance of the BBB for businesses, particularly in relation to regulatory scrutiny and consumer trust. The conversation begins with an overview of the BBB as a quasi-governmental agency, emphasizing its role in consumer complaints and how these are perceived by regulators, including state attorneys general.The discussion covers practical strategies for businesses to systematically address BBB complaints and improve their ratings. The speakers emphasize the trust consumers and regulators place in BBB ratings, making it crucial for companies to proactively manage their BBB profiles to mitigate scrutiny from the BBB, as well as other regulatory bodies. The episode concludes with a discussion on the structure of the BBB, which consists of national and regional branches. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of our special Regulatory Oversight: Solicitors General Insights series, Jeff Johnson is joined by District of Columbia Solicitor General Caroline Van Zile and Washington Solicitor General Noah Purcell to discuss their respective offices, and the distinct challenges and focuses of each. Noah shares insights into the Washington Solicitor General's Office, and Caroline discusses the multifaceted nature of the District of Columbia Solicitor General's Office, as they balance a diverse array of appellate work and providing legal advice on novel issues.The episode explores the pressing legal challenges and cases currently being addressed by each office. This includes litigation against federal policies and the defense of state laws in Washington, alongside consumer protection cases in the District of Columbia. The conversation then transitions to two pivotal U.S. Supreme Court cases that examine the intricate relationship between public education, religious freedoms, and state action. These cases raise critical questions about parental rights and the role of charter schools within the public education system. Throughout the episode, Caroline and Noah offer insightful perspectives on the potential ramifications of these cases, emphasizing their broader impact on state and local governments.The episode concludes with a reflection on the rewarding aspects of their roles and the importance of their work in shaping public policy and serving their communities. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of our special Regulatory Oversight: Solicitors General Insights series, Jeff Johnson is joined by Iowa Solicitor General Eric Wessan and Indiana Solicitor General James Barta to discuss their roles and responsibilities, as well as the current legal challenges their offices are facing. The conversation delves into the intricacies of state and federal court appeals, highlighting the significant amount of work done in state courts.Eric explains the Iowa solicitor general division's focus on agriculture and energy, emphasizing the importance of defending state laws and handling appeals. He also discusses the unique appellate process in Iowa, where all appeals initially go to the Iowa Supreme Court. James outlines Indiana's approach, which includes defending state statutes, strategic litigation, and advising the attorney general on various legal matters.The episode explores the issue of extraterritorial regulation, and the challenges posed by states imposing regulations that affect industries in other states, such as pork production and fossil fuel usage. While highlighting the importance of preserving state sovereignty, the discussion concludes by addressing the principles of equal sovereignty and federalism, referencing recent Supreme Court cases and ongoing litigation. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of the Regulatory Oversight podcast, Stephen Piepgrass welcomes David Navetta, Lauren Geiser, and Dan Waltz to discuss the $51.75 million nationwide class settlement involving Clearview AI and its broader implications. The conversation focuses on Clearview AI's facial recognition software, which has sparked controversy due to its use of publicly available images to generate biometric data.The discussion begins with an overview of the facial recognition software, followed by an analysis of alleged privacy law violations, particularly concerning the Biometric Information Privacy Act (BIPA). David provides insights into biometric data and its implications, while Dan explores BIPA, a unique Illinois law that regulates biometric data collection and offers a private right of action for violations. Lauren outlines the settlement's structure, highlighting the creative approach to negotiating its terms. The settlement faced objections from 22 state attorneys general (AGs) and the AG for the District of Columbia, mainly due to concerns over consumer monetary relief and the absence of injunctive relief.The episode concludes with valuable insights into the importance of engaging with state AGs during settlement negotiations, setting precedents for creative settlements, and the necessity for companies to proactively manage their use of personal data to avoid similar legal challenges. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this crossover episode of The Consumer Finance Podcast and Regulatory Oversight, Chris Willis, Kim Phan, and Stephen Piepgrass provide insights on a new joint privacy task force among several state AGs, known as the Consortium of Privacy Regulators. The consortium recently outlined goals to share state resources and align enforcement priorities regarding consumer harm and privacy rights. In response to an anticipated shift of regulatory scrutiny from federal agencies to state leaders, this episode focuses on specific steps financial services companies should consider when dealing with consumer privacy, data, complaints, and inquiries to ensure compliance and mitigate potential investigations and enforcement actions. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Regulatory Oversight, Stephen Piepgrass is joined by colleagues Brad Weber and Christy Matelis from the firm's Antitrust Practice Group to explore the evolving landscape of right-to-repair laws across the United States.The discussion delves into the complexities of the right-to-repair movement, highlighting the patchwork nature of state laws and the absence of a national framework. Christy outlines the consumer-driven push for the ability to repair and modify products ranging from cell phones to agricultural equipment, while Brad explains the role of federal statutes like the FTC Act and the Magnuson-Moss Warranty Act in shaping corporate compliance. The conversation touches on significant legal cases, such as the ongoing litigation involving John Deere, which underscores the tension between consumer rights and corporate interests. As state attorneys general become increasingly active in this space, the podcast concludes by examining the potential for bipartisan support and the implications of tariffs on consumer behavior. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Join us for a special crossover episode of The Consumer Finance Podcast and Regulatory Oversight, where Chris Willis, Kim Phan, and Gene Fishel delve into the evolving world of state AI legislation. As AI becomes a pivotal tool in the financial services industry, understanding the implications of new laws is crucial. This episode focuses on Colorado's comprehensive AI law and its potential influence on other states, exploring key issues such as algorithmic discrimination, privacy, and cybersecurity. Gain insights into best practices for compliance and learn how state attorneys general are stepping up enforcement in the absence of federal action. Don't miss this informative discussion bridging consumer finance and regulatory oversight. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of our special Regulatory Oversight: Solicitors General Insights series, Jeff Johnson, a former deputy solicitor general in the Missouri Attorney General's office, welcomes Scott Stewart, solicitor general of Mississippi, and Matt Rice, solicitor general of Tennessee. The episode uncovers the intricacies of being a state solicitor general and the impact of their work on state and national levels.Scott and Matt discuss the unique aspects of their positions, emphasizing their roles as lead advocates in appellate litigation and the importance of maintaining consistency across vast state litigation. The conversation covers their day-to-day responsibilities, including drafting briefs, preparing for arguments, and providing strategic advice. They also touch on the challenges of managing time between these tasks and the rewarding nature of their work in public service. They conclude their discussion by exploring the evolving landscape of administrative law, including the implications of recent Supreme Court decisions on the major questions doctrine and nondelegation doctrine. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Regulatory Oversight, Stephanie Kozol and Chuck Slemp welcome Illinois Attorney General (AG) Kwame Raoul and Chief Deputy AG Brent Stratton. Raoul and Stratton share their career inspirations, unique journeys into politics, and the challenges they have faced in their political endeavors.The duo explains the AG office's organizational structure and operations, as well as their contributions to the office. They highlight their efforts in enhancing worker protection, combating internet crimes against children, and addressing organized retail crime. The episode concludes with Raoul and Stratton reflecting on their roles and career milestones. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Regulatory Oversight, Stephanie Kozol and Chuck Slemp welcome Maine Attorney General (AG) Aaron Frey to discuss the unique aspects of the Maine Office of the AG. The conversation begins with Frey sharing his personal background and motivations for entering public service, before delving into the distinctive process of electing the AG in Maine.The insightful discussion then turns to the inner workings and focuses of the AG's office, highlighting its jurisdiction over criminal law and efforts to combat the opioid crisis. Additionally, they explore Frey's role as co-chair of the National Association of Attorneys General Elder Justice Committee, alongside Virginia AG Jason Miyares. They consider the unique vulnerabilities of the senior population, aiming to protect them from scams and exploitation. The episode concludes with a friendly conversation, reaffirming Frey's commitment to the people of Maine. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This episode of Regulatory Oversight spotlights recent Moving the Metal episode "The Future of Auto Dealership Compliance: A Conversation With Tom Kline." In this episode, Brooke Conkle and Chris Capurso from Troutman Pepper Locke's Consumer Financial Services Practice Group are joined by Tom Kline, lead consultant and founder of Better Vantage Point. Tom shares his extensive experience in the auto industry, discusses the implications of the recent vacating of the CARS Rule by the Fifth Circuit, and provides insights into the most common compliance challenges faced by dealers. He also delves into the importance of having a robust compliance program and the evolving regulatory landscape. Additionally, Tom talks about his book, Tuck the Octopus, which offers valuable strategies for managing dealership operations and mitigating risks. Tune in to gain expert perspectives on staying compliant and competitive in the auto finance industry. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Regulatory Oversight, Chuck Slemp welcomes his former boss, Virginia Attorney General (AG) Jason Miyares. With more than two decades of shared history, Chuck and Jason delve into a candid conversation about their journey from young professionals in the AG’s office to their current roles. Jason shares his inspiring journey from intern to becoming the first Hispanic AG of Virginia and the first child of an immigrant to hold the office.They discuss the importance of mentorship and the value of internship programs in shaping future legal professionals.While discussing the unique intersection of law and policy within the AG's office, Chuck and Jason consider the concept of the "people's protector," which guides the office's mission to ensure justice and public safety. They highlight significant initiatives such as the opioid crisis response, including the "One Pill Can Kill" campaign and Operation Ceasefire, a comprehensive approach to reducing gun violence, as well as other efforts to protect vulnerable populations.During the conversation, Jason outlines key priorities for the next term, including ongoing efforts in consumer protection and public safety. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Regulatory Oversight, Clay Friedman, co-leader of the firm's State Attorneys General (AG) practice, welcomes back Brian Kane, executive director of the National Association of Attorneys General (NAAG). They discuss the significant transitions and reforms at NAAG over the past two years, including the implementation of a bipartisan leadership structure and a comprehensive management review.Clay and Brian also highlight several of NAAG's recent accomplishments, as well as the upcoming NAAG Spring Symposium in Nashville, TN. Key topics at the symposium will include consumer protection, artificial intelligence, cybersecurity, and disaster preparedness.The conversation then shifts to the challenges of keeping up with technological advancements and the importance of continuous education for AGs and their offices. They also discuss the strategies NAAG employs to train and integrate new members and the collaboration between NAAG and AG Alliance. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this special joint edition of the Consumer Finance Podcast and the Regulatory Oversight Podcast, host Chris Willis is joined by colleagues Stephen Piepgrass, James Kim, Jesse Silverman, and Lane Page to discuss the ongoing changes at the Consumer Financial Protection Bureau (CFPB) and predict how state regulators and legislatures will react to fill the void. This episode explores the anticipated responses from state attorneys general, financial service regulators, and legislatures, and offers strategic insights for industry players to navigate this complex regulatory environment. Tune in to understand the proactive measures your organization can take to stay compliant and ahead of potential state enforcement actions. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Regulatory Oversight, Chuck Slemp is joined by New Hampshire Attorney General (AG) John Formella to discuss his journey to becoming New Hampshire's AG. Formella highlights his career in private practice, his role as legal counsel to Governor Chris Sununu, and his eventual appointment as AG in 2021. As the new president of the National Association of Attorneys General (NAAG), Formella outlines his initiative to combat substance abuse and drug trafficking, emphasizing bipartisan collaboration and support for law enforcement. He also addresses emerging issues such as elder abuse, data privacy, civil rights, and mental health.Additionally, Chuck and Formella all touch on the unique selection process for the AG in New Hampshire and the structure of his office. They address pressing issues in the state, including elder abuse, data privacy, civil rights, mental health, and drug enforcement. Formella also provides insights into the intersection of law, politics, and policy, and offers advice to the business community on supporting AG offices. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Regulatory Oversight, Chuck Slemp welcomes Lacey Mase, the chief deputy attorney general (AG) of Tennessee, to explore the inner workings of an AG's office and the pivotal role of its senior staff in driving legal and policy outcomes.Mase, who previously served for more than nine years in the Texas AG’s office, begins by sharing insights into her journey and responsibilities since joining the Tennessee AG's office in January 2021. She emphasizes the importance of senior staff as the bridge connecting various stakeholders and shaping legal policy across the U.S.Chuck and Mase also discuss the structure and operations of the Tennessee AG's office, while highlighting its focus on civil law and the diverse legal matters it handles. Mase shares her experiences in handling high-profile cases, such as the NCAA antitrust lawsuit, underscoring the collaborative efforts among AG offices nationwide. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Regulatory Oversight, David B. Dove, leader of our firm's Regulatory and Economic Investment Practice in Georgia, is joined by Georgia Insurance Commissioner John King to discuss his office's recent report analyzing Georgia's civil justice climate.King's office produced a report in November 2024 outlining needed tort reforms to keep Georgia's economy moving forward. King walks through the report and highlights his efforts to bring affordable health care to Georgia and address civil justice system abuses that impact small businesses.King outlines his strategy of collecting data to understand the market and the impact of litigation costs on insurance prices. He emphasizes the need for a stable insurance market and strategic tort reform. King outlines recommendations based on collected data, focusing on phantom damages and premise liability, and underscores ongoing efforts to improve Georgia's insurance market conditions. King also shares his journey to becoming the insurance commissioner, detailing his background and the hurdles he faced in reforming an agency and running for office. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In the 12th and final episode of our 12 Days of Regulatory Insights podcast series, Cole White, a member of Troutman Pepper's Regulatory Investigation, Strategy, and Enforcement (RISE) practice group, is joined by Stephen Piepgrass, RISE practice group leader, to discuss recent developments in the online gaming industry.Stephen and Cole explore the impact of new technologies such as artificial intelligence (AI) and cryptocurrencies on the gaming experience, highlighting how AI can tailor gaming experiences and predict problem gaming, while cryptocurrencies expand access but pose regulatory challenges. They also examine emerging trends like the gamification of gambling, the influence of social media, and the rise of micro betting. Additionally, they address the evolving regulatory landscape, focusing on how online social and sweepstakes casinos navigate traditional gambling laws and how regulators are adapting to new gaming innovations. The episode concludes with a look at the future of online gaming regulation and industry efforts to work with legislators to create clear legal frameworks. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In the 11th episode of our 12 Days of Regulatory Insights podcast series, Ashley Taylor, co-leader of Troutman Pepper's State Attorneys General team, is joined by Brad Weber, co-chair of Locke Lord's Antitrust practice group, and Tim Bado, a member of Troutman Pepper's Regulatory Investigation, Strategy, and Enforcement (RISE) practice group, to discuss the increasing role of state attorneys general (AGs) in antitrust enforcement.The group explores the unique strategies employed by state AGs, significant antitrust cases from 2024, and the growing collaboration between state and federal authorities. The discussion highlights how new technologies and evolving market dynamics are influencing antitrust actions. Ashley, Brad, and Tim wrap up the episode with their predictions for 2025, emphasizing the importance of understanding the nonpartisan nature of state AGs and the potential impact of federal budgetary constraints on antitrust enforcement. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In the 10th episode of our 12 Days of Regulatory Insights podcast series, Stephen Piepgrass, leader of the firm's Regulatory Investigation, Strategy + Enforcement (RISE) practice, is joined by colleague Chuck Slemp to discuss the unique challenges faced by local governments and businesses interacting with them.Chuck, who has extensive experience as a local government attorney and former Commonwealth attorney, shares insights on a range of issues including compliance with federal and state laws, economic development partnerships, and the impact of local government actions on business strategies. The conversation highlights the importance of skilled legal counsel in navigating complex local government matters, such as land use, zoning, and public-private partnerships. They also delve into the intricacies of local government investigations, public records laws, and the interplay between state AGs and local governments. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In the ninth episode of our 12 Days of Regulatory Insights podcast series, Michael Jordan, a member of the firm's Tobacco + Nicotine practice, is joined by colleagues Bryan Haynes and Agustin Rodriguez to delve into the regulatory landscape of the tobacco industry in 2024 and what to expect in 2025. Bryan, head of the firm's Tobacco + Nicotine practice, and Agustin, also a member of the Tobacco + Nicotine practice, discuss the increased state-level actions against illicit flavored e-cigarettes due to FDA's inaction. They highlight efforts by state AGs to combat these products, including issuing letters to retailers and establishing product registries. The conversation also touches on the anticipated regulatory changes under the new administration, the potential impact on nicotine pouches, and the implications of the Tobacco Master Settlement Agreement (MSA) and the upcoming escrow refunds for nonparticipating manufacturers. Bryan and Agustin provide insights into the evolving regulatory environment and the implications for the tobacco industry in the coming year. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In the eighth episode of our special 12 Days of Regulatory Insights podcast series, Chris Carlson, a member of Troutman Pepper's State AG practice, is joined by Lauren Fincher, chair of Locke Lord's Administrative and Regulatory Practice Group, to discuss the major initiatives and actions taken by the Texas AG's office in 2024.Lauren highlights key areas of focus that we have seen from the Texas AG's office throughout the past year, including opioid litigation, political issues, and AI. Connecting AI to the major data privacy and security initiative the AG launched, Lauren and Chris discuss how the AG's office has been active in addressing issues related to the collection and use of personal biometric data and location data. They also highlight the Texas AG's creative use of the Deceptive Trade Practices Act to address new market issues and protect consumers, as well as significant antitrust efforts to address consumer monopoly concerns across various industries.Looking ahead to 2025, Lauren predicts that the Texas AG will continue to focus on certain political topics, social media practices, AI, and data privacy and security. They emphasize the importance of data privacy and AI as key focus areas for the Texas AG's office moving forward, highlighting the dynamic and evolving nature of regulatory enforcement. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In the seventh episode of our 12 Days of Regulatory Insights podcast series, members of the firm's Advertising + Marketing practice, Mike Yaghi and Natalia Jacobo, examine the evolving landscape of advertising and marketing regulations. The episode focuses on the impact of recent efforts to curb junk fees, state mandates for transparent pricing, and potential regulatory changes anticipated with the new administration in 2025.Mike and Natalia discuss the significance of the FTC's proposed rule to curb unfair or deceptive fees, the challenges businesses might face in complying with new requirements, and the implications of state regulations like California's Senate Bill 478 on transparent pricing. The episode also highlights similar regulatory initiatives in other states and anticipates future changes in the advertising and marketing space with the new administration. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In the sixth episode of our 12 Days of Regulatory Insights podcast series, Lane Page is joined by Mike Yaghi, a partner in the firm's Regulatory Investigations, Strategy + Enforcement (RISE) practice, and Chris Willis, co-leader of the firm's Consumer Financial Services Regulatory practice, to discuss the anticipated changes in federal and state oversight and enforcement within the consumer financial services industry.Mike and Chris examine the potential for increased state enforcement in areas like consumer protection, junk fees, and consumer lending, especially if federal agencies like the CFPB and FTC become less aggressive under the new administration. They also highlight the growing scrutiny of AI, redlining, noncredit products, and bank partnership agreements by state regulators.The episode underscores the compliance challenges companies face due to conflicting state laws and the broad application of state UDAP statutes. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.