Check Out These Books and Articles About the U.S. Financial System by Thomas P. Vartanian

Books

  • 200 Years of American Financial Panics: Crashes, Recessions, Depressions, and the Technology That Will Change It All (2021, Prometheus Publishing)
  • The Bank Investor Survival Guide (2016)
  • The Volcker Rule: Commentary and Analysis (2014)
  • The Bank Holding Company Guide: New Rules of the Road for Banks and Their Investors (2009)
  • Equity Investments and Controlling Acquisitions Involving U.S. Financial Institutions (2007)
  • Banker’s Pocket Guide to Information Security (2005)
  • 21st Century Money, Banking and Commerce (1998)
  • The Fair Lending Guide (1995)
  • Contracting with the FDIC and RTC (1991)

Recent Op-Eds & Financial Articles (Sept 2018 - Present)

 

January 10, 2022, The Hill

What if politicians had to tell the truth?

https://thehill.com/opinion/campaign/588973-what-if-politicians-were-required-to-tell-the-truth?rnd=1641826268&rl=1

 

December 15, 2021, The Hill

Crypto and the insecure Internet

https://thehill.com/opinion/cybersecurity/585895-crypto-and-the-insecure-internet?rnd=1639579901

 

November 5, 2021, The Hill

To avoid virtual anarchy, we must move cautiously and fix things

https://thehill.com/opinion/cybersecurity/580202-its-time-to-move-cautiously-and-fix-things?rnd=1636072844&rl=1

 

October 20, 2021, American Banker (BankThink)

Modernize regulation or risk an '80s-style economic crisis

https://www.americanbanker.com/opinion/modernize-regulation-or-risk-an-80s-style-economic-crisis

 

July 7, 2021, The Hill

Rescinding “true lender” banking rule hurts those most in need of credit

https://thehill.com/opinion/finance/561793-rescinding-true-lender-banking-rule-limits-credit-to-those-who-need-it?rnd=1625652664

 

June 15, 2021

Machines to the Rescue (an excerpt from 200 Years of American Financial Panics), ABA Business Law Today

Machines to the Rescue | Business Law Today from ABA

 

June 9, 2021, The Hill

Five steps to save the Internet – and democracy

https://thehill.com/opinion/cybersecurity/557407-five-steps-to-saving-the-internet-and-our-democracy?rnd=1623180409

 

May 18, 2021, The Hill

It’s time for a new, secure internet

https://thehill.com/opinion/cybersecurity/554167-its-time-for-a-new-secure-internet?rnd=1621364534&rl=1

 

April 21, 2120, American Banker

No.1 rule for central bank digital currencies:  Do no harm

https://www.americanbanker.com/opinion/no-1-rule-for-central-bank-digital-currencies-do-no-harm

 

March 8, 2021, The Hill

Will the real financial bubble please stand up?

Will the real financial bubble please stand up? | TheHill

 

December 39, 2020, American Banker

Country, banking long overdue for cyberdefense upgrade,

Country, banking long overdue for cyberdefense upgrade | American Banker

 

November 23, 2020, American Banker

What President-Elect Biden can do to fix the outdated financial system

https://www.americanbanker.com/opinion/what-president-elect-biden-can-do-to-fix-outdated-financial-system

 

October 24, 2020, The Hill

What do Google, banks and chicken salad have in common?

https://thehill.com/opinion/finance/522583-what-do-google-banks-and-chicken-salad-have-in-common?rnd=1603558945

 

September 26, 2020, The Hill

Policymakers must ensure more COVID relief doesn’t damage the economy

https://thehill.com/opinion/finance/518211-policymakers-must-ensure-more-covid-relief-doesnt-damage-the-economy?rnd=1601053187

 

September 10, 2020, The Hill

Colorado truce won’t end the fight for regulatory supremacy

https://thehill.com/opinion/finance/515380-rocky-mountain-truce-wont-end-fight-for-regulatory-supremacy

 

June 26, 2020, The Hill

FinTech calls the question: Different rules for digital and traditional banking?

https://thehill.com/opinion/technology/504656-fintech-calls-the-question?rnd=1593140269

 

June 18, 2020, The Hill

The Fed and the Pottery Barn Doctrine

https://thehill.com/opinion/finance/503320-the-fed-and-the-pottery-barn-doctrine?rnd=1592442552

 

June 17, 2020, American Banker (BankThink)

OCC’s proposal rightfully directs banks to upgrade

https://www.americanbanker.com/opinion/occs-proposal-rightfully-directs-banks-to-upgrade

 

 

 

May 21, 2020, The Hill

Dealing with Troublous Times

https://thehill.com/opinion/finance/499038-dealing-with-troublous-times?rnd=1590092077

 

May 4, 2020, The Hill

If the second economic 'shoe' drops, Congress must avert a collapse,”

https://thehill.com/opinion/finance/495952-congress-must-address-the-two-financial-shoes-of-the-coronavirus-pandemic?rnd=1588604088.

 

March 24, 2020, American Banker (BankThink)

Calls for CECL delay expose standard's flaws

https://www.americanbanker.com/opinion/calls-for-cecl-delay-expose-standards-flaw

 

March 19, 2020, The Hill

A five-point antidote to the financial pandemic

https://thehill.com/opinion/finance/488450-a-five-point-antidote-to-the-financial-pandemic

 

March 17, 2020, American Banker (BankThink)

How regulators can kick COVID-19’s bank shock into remission

https://www.americanbanker.com/opinion/how-regulators-can-kick-covid-19s-bank-shock-into-remission

 

December 18, 2019, American Banker (BankThink)

Fix CRA before cracking down on bank mergers
https://www.americanbanker.com/opinion/fix-cra-before-cracking-down-on-bank-mergers

 

October 25, 2019, American Banker (BankThink)

Regulators’ push for innovation shouldn’t come at expense of prudence
https://www.americanbanker.com/opinion/regulators-push-for-innovation-shouldnt-come-at-expense-of-prudence

 

July 23, 2091, Washington Times

Why the Financial Accounting Standards Board Must Hit Pause on CECL
http://amp.washingtontimes.com/news/2019/jul/23/why-financial-accounting-standards-board-must-hit-/

 

July 1, 2019, American Banker (BankThink)

Virtual currency debate needed the jolt it got from Facebook
https://www.americanbanker.com/opinion/virtual-currency-debate-needed-the-jolt-it-got-from-facebook

 

May 28, 2019, The Hill

A broken accounting system in need of repair
https://thehill.com/opinion/finance/445753-a-broken-accounting-system-in-need-of-repair

 

April 26, 2019, American Banker (BankThink)

FASB’s accountability Problem
https://www.americanbanker.com/opinion/fasbs-accountability-problem

 

May 19, 2019, The Hill

The unintended consequences of interest rate caps
https://thehill.com/opinion/finance/444334-the-unintended-consequences-of-interest-rate-caps

 

April 17, 2019, American Banker (BankThink)

With stress test, less is more
https://www.americanbanker.com/opinion/with-stress-tests-less-is-more?brief=00000160-700b-dbf5-a562-788b36110000

 

February 26, 2019, American Banker (BankThink)

Criticism of BB&T-SunTrust deal is overblown
https://www.americanbanker.com/opinion/criticism-of-bb-t-suntrust-deal-is-overblown

 

February 3, 2019, The Hill

The bigger data gets the bigger the risks it poses
https://thehill.com/opinion/cybersecurity/428087-the-bigger-big-data-gets-the-bigger-the-risks-it-poses

 

December 12, 2018, The Hill

Nefarious nations will take the lead on AI if the US doesn't
https://thehill.com/opinion/technology/421059-nefarious-nations-will-take-the-lead-on-ai-if-the-us-doesnt

 

November 16, 2018, The Hill

Financial overregulation wasted the last eight years
https://thehill.com/opinion/finance/417104-financial-overregulation-wasted-the-last-eight-years

 

November 6, 2018, American Banker (BankThink)

Financial technology needs rules of engagement
https://www.americanbanker.com/opinion/financial-technology-needs-rules-of-engagement

 

Sept 20, 2018, American Banker (BankThink)

Why reg relief is moving in the right direction
https://www.americanbanker.com/opinion/why-reg-relief-is-moving-in-the-right-direction

Speaking Engagements, Programs, and Forums

August 2018–Present

Date: October 24, 2018, 10:45 a.m. –12:15 p.m.
Sponsor: Center for the Study of the Administrative State
Topic: Permits, Licenses and the Administrative State

 

Date: November 4, 2018, 1:00 pm–2:15 pm
Sponsor: Reg Tech Enable DC 2019
Topic: Strategic Partnerships: Panel discussion moderator with Brian Brooks (CoinBase), Kathy Reimann (Treliant), and Neima Ghamsari (BlendLabs) on tech deals

 

Date: February 19, 2019, 11:30 a.m.–1:30 p.m.
Sponsor: Pepperdine’s School of Public Policy
Topic: Housing Finance and GSE Reform
Comments: Luncheon panel @ 2011 Pennsylvania Avenue, NW

 

Date: March 1, 2019, 8:00–4:00
Sponsor: LEC/Program on Financial Regulation & Technology
Topic: AI, FinTech, Peer to Peer Financial Services and Administrative Judgment
Comments: First Research Roundtable for Inaugural Policy Conference for the LEC/Program

 

Date: March 14, 2019, 2:00–3:00 p.m.
Sponsor: Investment Advisers Association
Topic: FinTech and the Use of Big Data
Comments: Annual Compliance Conference for 400 Investment Advisors
Hyatt Regency Washington on Capitol Hill
400 New Jersey Ave NW, Washington, DC

 

Date: March 27, 2019, 5:00–6:00 p.m.
Sponsor: Scalia Law School; Program on Financial Regulation & Technology—Meet the Policy-Makers
Topic: Meet the Policy-Makers: A Discussion with Joseph Otting
Comments: First of monthly series with Washington Policy-Makers

 
Date: April 3, 2019, 10:45 a.m.–12:15 p.m.
Sponsor: LEC
Topic: Open Banking: A New Era in Financial Services
Comments: Panel with Banking and FinTech Execs

 

Date: April 4, 2019, 2:00–3:00 p.m.
Sponsor: Financial Managers Society
Topic: Artificial Intelligence and Financial Regulation
Comments: Webinar with AI experts from the Federal Reserve Banks of Atlanta and Philadelphia

 

Date: April 10, 2019, 5:00–6:00 p.m.
Sponsor: Scalia Law School; Program on Financial Regulation & Technology—Meet the Policy-Makers
Topic: Meet the Policy-Makers: A Discussion with Randall Quarles—Vice Chair of the Fed
Comments: Monthly series with Washington Policy-Makers

 

Date: April 12, 2019, 10:00–10:45 a.m.
Sponsor: Minnesota Banking Law Committee of the Minnesota Bar
Topic: Financial Regulation and Technology: The Coming Revolution
Comments: 200 Minnesota financial services lawyers’ annual meeting

 

Date: April 15, 2019, 2:00–4:00 p.m.
Sponsor: Cantor Fitzgerald Investor Conference the GSEs
Topic: The Future of the GSEs
Comments: 499 Park Ave, NY, NY

 

Date: May 15, 2019
Sponsor: Nelson Mullins Annual Public Policy Forum
Topic: Financial Regulation, Economic Crisis and the Technology Revolution: Who Is Determining Our Economic Future?
Comments: Law Firm forum for regulators, Congressman and others

101 Constitution Avenue, NW Suite 900 Washington, D.C. 20001

 

Date: May 15, 2019, 8:00–9:00 p.m.
Sponsor: Tucker Carlson Tonight
Topic: Senator Bernie Sanders and Representative Ocasio-Cortez Loan Shark Protection Act

 

Date: May 16, 2019, 8:00 am–6:00 p.m.
Sponsor: LEC/Program on Financial Regulation & Technology
Topic: The Future of Financial Regulation; A Discussion with Craig Phillips, Counselor to the Secretary of the Treasury
Comments: Inaugural Policy Conference for the LEC/Program

 

Date: June 24, 2019, 3:30–4:00 p.m.
Sponsors: Financial Managers Society
Topics: Financial Regulation and Technology: The Coming Revolution
Comments: Annual Forum for 400 Bank CFOs, Treasurers and Financial Managers

 

Date: July 17, 2019, 10:20–11a.m.
Sponsors: All Sides with Ann Fisher WOSU Public Media
Topic: Financial Regulation, the CFPB and Financial Crisis
Comments: Radio Interview

 

Date: September 12, 2019, 5:00–6:00 p.m.
Sponsors: Scalia Law School; Program on Financial Regulation & Technology—Meet the Policy-Makers
Topic: Meet the Policy-Makers: A Discussion with Brent McIntosh, General Counsel of Dept. of Treasury

 

Date: September 17, 2019, 7:00–9:00 p.m.
Sponsors: Cybersecurity Innovation Forum
Topic: The Convergence of Financial Services and& Technology: Benefit or Threat?
Comments: GMU Business School Series @ Fairfax Country Club

 

Date: September 25, 2019
Sponsors: Program on Financial Regulation & Technology Webinar
Topic: Libra: New Dimensions in Money
Comments: Speakers at this event included Brian Brooks, the Chief Legal Officer of Coinbase and then became the Acting Comptroller of the Currency

 

Date: October 10, 2019
Sponsors: Scalia Law School; Program on Financial Regulation & Technology—Meet the Policy-Makers
Topic: Armchair Discussion with Mark Calabria, Director, FHFA

 

Date: October 25, 2019
Sponsor: Program on Financial Regulation & Technology Webinar
Topic: Libra – New Dimensions for Money
Comments: First PFRT Webinar

 

Date: November 7, 2019
Sponsor: Scalia Law School; Program on Financial Regulation & Technology—Meet the Policy-Makers
Topic: Armchair Discussion with Brian Johnson, Deputy Director, CFPB

 

Date: November 18, 2019
Sponsors: Program on Financial Regulation & Technology Webinar
 Topic: Consumer Debt in America: What Would Rate Caps and Student Loan Forgiveness Mean?"

 

Date: November 18, 2019
Sponsors: Ballard Sphar
Topics: Interview re National Financial Technology Commission

 

Date: April 1, 2020
Sponsors:
FMS (w/ Bill Isaac)
Topic:
The Financial Pandemic: How to Navigate the Crisis to a Soft Landing

 

Date: May 29, 2020
Sponsor: AM560 The Answer
Topic: Radio Interview on the Need for the Government to Prepare Equity Assistance

 

Date: June 19, 2020
Sponsor: AM560 The Answer
Topic: Radio Interview on the Hangover Impact of Government Actions to Support the Economy

 

Date: June 26, 2020
Sponsor: Dechert LLP Financial Services Group
Topic: Firefighting in the Financial Pandemic
Date: July 8, 2020
Sponsor: Scalia Law School Financial Services Alumni Association Webinar
Topic: "COVID-19 and the Financial Path Out of the Pandemic"

 

Date: July 15, 2020
Sponsor: Scalia Law School Program on Financial Services & Technology Fintech Webinar
Topic: "FinTech: Pushing Past the Pandemic"

 

Date: October 1, 2020
Sponsor: AM560 The Answer
Topic: Interview on the Hangover Impact of Government Actions to Support the Economy for COVID

 

Date: October 6, 2020
Sponsor: Scalia Law School; Program on Financial Regulation & Technology—Meet the Policy-Makers
Topic: Armchair Discussion with Jelena McWilliams, Chairman, FDIC (Virtual)

 

Date: October 22, 2020
Sponsor: Scalia Law School; Program on Financial Regulation & Technology—Meet the Policy-Makers
Topic: Armchair Discussion with Brian Brooks, Acting Comptroller of the Currency

 

Date: October 26, 2020
Sponsor: Federal Home Loan Bank Presidents Bank President’s Council Meeting
Topic: Panel Discussion with Bimal Patel, John Bowman, Chris Daniel, Richard Kim

 

Date: December 9–10, 2020
Sponsor: CCFL and Scalia Law School–FinTech and Consumer Finance: Agenda for 2021
Topic: Co-Chairman of the Program and of the Crypto and True Lender Panels

 

 

Date: February 11, 2021
Sponsor: CCFL and Scalia Law School–FinTech and Consumer Finance: Agenda for 2021
Topic: Co-Chairman of the Program on the CFPB Taskforce Report on Consumer Financial Credit

 

Date:  May 10,  2021

Sponsor:  The Jim Bohannon Show (Radio)

Topic:  200 Years of American Financial Panics: Crashes, Recessions. Depressions and The Technology That Will Change It All

https://omny.fm/shows/jim-bohannon/jim-bohannon-05-10-21

 

Date:  May 11, 2021

Sponsor:  “Wake Up America” Newsmax (TV Interview)

Topic:  200 Years of American Financial Panics: Crashes, Recessions. Depressions and The Technology That Will Change It All

https://www.dropbox.com/s/67lgfuz5x1mv8iv/VARTANIAN%20WUA%20051121.mp4?dl=0

 

Date:  May 18, 2021

Sponsor: Chicago's Morning Answer, AM 560 WIND

Topic: 

200 Years of American Financial Panics: Crashes, Recessions. Depressions and The Technology That Will Change It All

https://www.youtube.com/watch?v=QukVR-FV2cE

 

Date:  May 21, 2021

Sponsor:  The Curious Man (Podcast)

Topic:  200 Years of American Financial Panics: Crashes, Recessions. Depressions and The Technology That Will Change It All

https://podcasts.apple.com/us/podcast/thecuriousmanspodcast/id1369458829?i=1000522935791

 

Date:  May 25, 2021

Sponsor:  Duke Law School FinReg Podcast

Topic:  200 Years of American Financial Panics: Crashes, Recessions. Depressions and The Technology That Will Change It All

https://spoti.fi/3fRDZ3x

 

Date:  May 31, 2021

Sponsor:  US National Privacy Legislation— Association of Digital & Cyber Governance (Podcast)

Topic:  The Internet is Broken – We Need A New One!

https://open.spotify.com/show/3LOA68FCRWbFZlpvnQFqFs?si=usRwk_N0S0yH8RuNsDD6-Q&nd=1

 

Date:  May 31, 2021

Sponsor:  The Chris Voss Show (Podcast)

Topic:  200 Years of American Financial Panics: Crashes, Recessions. Depressions and The Technology That Will Change It All

https://thechrisvossshow.com/the-chris-voss-show-podcast-200-years-of-american-financial-panics-crashes-recessions-depressions-and-the-technology-that-will-change-it-all-by-thomas-p-vartanian/

 

Date:  June 10, 2021

Sponsor:  FHLBank of NY Members’ Webinar Series

Topic: “Crisis, Regulation & Technology:  The Complicated Past, Present & Future of Financial Services”

https://www.fhlbny.com/financial_intelligen/crisis-regulation-tech/

 

Date:  June 14, 2021

Sponsor:  Financial Managers Society Annual Forum (Live)

Topic:  Banking in the Biden Administration

 

Date:  June 17, 2021

Sponsor:  Telecom Policy Research Conference

Topic:  Banking & Technology – The Good, Bad and the Ugly

Countering Cyberattacks And Ransomware Will Require “Whole Of Nation” Response (forbes.com)

 

June 22, 2021

Sponsor:  Bank Board of Directors

Topic:  200 Years of American Financial Panics:

Crashes, Recessions, Depressions And The Technology That Will Change It All

 

June 23, 2021

Sponsor:  China TechThreat

Topic: High Tech Heist: Vlog Series on Banking Cybersecurity - China Tech Threat

https://twitter.com/ChinaTechThreat/status/1413226149803610113

 

June 30, 2021

Sponsor:  Ballard Spahr Consumer Finance Monitor

Topic:  A Discussion With Special Guest Thomas Vartanian, Author of the Recently-Published Book, 200 Years of American Financial Panics: Crashes, Recessions, Depressions, And the Technology That Will Change It All

Part 1:

https://www.ballardspahr.com/Insights/Blogs/2021/07/Pod-Tom-Vartanian-Discussion-Part-1

Part 2:

https://www.ballardspahr.com/Insights/Blogs/2021/07/Pod-Part-II-Tom-Vartanian-Author-200-Years-of-American-Financial-Panics

 

July 14, 2021

Sponsor:  Wall Street Wrap Up (PBS/New Orleans - WYES-TV)

Topic: 200 Years of American Financial Panics:

Crashes, Recessions, Depressions And The Technology That Will Change It All

https://www.youtube.com/watch?v=m1bzQy6tgKs

 

July 20, 2021

Sponsor:  Smoketree Innovation Roundtable

Topic:  Tech Tools: AI for Good and Bad

 

August 4, 2021

Sponsor:  Women in Housing Finance

Topic:  Years of American Financial Panics:

Crashes, Recessions, Depressions And The Technology That Will Change It All

 

October 20, 2021

Sponsor:  Federal Reserve Board

Topic: Years of American Financial Panics:

Crashes, Recessions, Depressions And The Technology That Will Change It All

 

November 12, 2021

Sponsor:  “Tell Me What You Are Reading”

Topic:  200 Years of American Financial Panics:

Crashes, Recessions, Depressions And The Technology That Will Change It All

https://www.linkedin.com/feed/update/urn:li:activity:6865137233997959168/

https://anchor.fm/howard/episodes/Ep--35-Tom-Vartanian---200-Years-of-American-Financial-Panics---Crashes--Recessions--Depressions--and-the-Technology-That-Will-Change-It-All-e1936bs

 

November 12, 2021

Sponsor:  Chicago's Morning Answer

AM 560 WIND

Topic:  Inflation, the Economy & the Metaverse

https://youtu.be/TjMKL8wVyqA

 

November 17, 2021

Sponsor:  AMLRightsource

Topic: 200 Years of American Financial Panics:

Crashes, Recession, Depressions and The Technology That Will Change It All

Part 1:

https://www.amlrightsource.com/news/a-deep-dive-with-tom-vartanian-part-01

Part 2:

https://www.amlrightsource.com/news/a-deep-dive-with-tom-vartanian-part-02

 

November 22, 2021

Sponsor: American Association of Bank Directors

Topic: 200 Years of American Financial Panics:

Crashes, Recessions, Depressions and The Technology That Will Change It All 

Part 1:

Calling All Bank Directors Episode 41: Financial Crises: Why, When, How (Part 1) - AABD (wpengine.com)

Part 2:

Financial Crises: Preparing for the Next Crisis (Part 2) | Calling All Bank Directors Episode 42 (podbean.com)

 

December 1, 2021

Sponsor:  Securities Exchange Commission

Topic:  200 Years of American Financial Panics:

Crashes, Recessions, Depressions and The Technology That Will Change It All