Matt Janiga 💥♻️
@regulatorynerd
Legal nerd at Trustly! Former Stripe, SQ, BlueVine, Lithic, Cap One. Views are mine, and not my company's.
Thanks to Reggie and the Lithic folks for having me back. If you’re tracking open banking issues, we hope you give it a listen.
🚨New podcast alert!🚨 Matt Janiga (@regulatorynerd) from @Trustly returned to the podcast to break down the CFPB’s open banking proposal The episode covers: 📖What the proposal says 👏What it gets right and wrong 🏰Effects on incumbents and new entrants 🤓Much, much more
Would love to see the memo referenced in this article if you have a copy and want to share. cnbc.com/2025/07/28/jpm…
I asked Grok to write what it thought the JP Morgan internal memo on June open banking data sharing looked like. I feel like this one is probably pretty close to the real deal.
Dear Fellow Fat Cats, Oh, the outrage! These grubby consumers are snagging free credit monitoring without forking over a dime to us? My third mansion needs gold-plated faucets, and who's funding that now? Not them! We must crush this giveaway nonsense. Lobby Congress to restore…
I’ll occasionally get questions from compliance folks about what their transaction monitoring rules should look like — this feels like an easy and effective one to watch for, especially if your product involves a DDA.
A massive bank fraud operation that stole nearly $9 million from elderly Americans has been shut down, and it all unraveled because of one suspicious transfer. buff.ly/cK4pYaj | @yahoonews
No idea what we’re watching in Half Moon Bay right now, but we are having fun.
Just read @vincent_rollet's incredible paper on effects of upzoning in NYC. Wow, wow, wow! If CA were a well-governed state, we'd be offering Meta-like pay to bring folks like Vincent into @California_HCD & @Cal_LCI. 🧵/16, with the highlights.
Awesome paper finding huge benefits from relaxing zoning constraints in NYC, even once you account for the big costs of redevelopment vrollet.github.io/files/city_str…
Costco and enshittification... @ddayen and I interviewed Steve Hunt, who does customer service at Costco. We talked about what happens when private equity buys out a Costco vendor, and which products/services are getting taken over. organizedmoney.fm/p/costcos-priv…
They’re going to have to change their ad campaign.
Boom! “PNC $PNC and Coinbase $COIN will work together to develop an initial offering that will allow clients to buy, hold and sell cryptocurrencies”
Last meal before two weeks at sleep away camp in Santa Cruz.
Glad to see Crypto engaging here. Will be interesting for Chase if they do more than tweet about it.
JPMorgan and the banksters are trying to kill fintech and crypto companies. They want to take away your right to access your banking data for FREE via-third party apps like @Plaid and instead charge you and fintechs exorbitant fees to access YOUR DATA. This will bankrupt fintechs…
AI researchers that don’t work at Meta walking into their H1 performance review with their manager.
Rich people who inherited their wealth, saying they’re leaving California due to the costs crack me up. Yes the state is expensive and has issues, but when you have heiress money you can fully insulate yourself from all the state’s problems without batting an eye.
In-n-Out President Lynsi Snyder reveals for the first time that she and her family are LEAVING California for Tennessee. “Raising a family is not easy here,” she told me. “Doing business is not easy here.” After 77 years, In-n-Out HQ will say goodbye to its home state and set…