Introduction and Program Overview
Conference and Task Force on Artificial Intelligence & Digital Technologies

Co-Chairs:
Debra Cohn, Lecturer in Law at Columbia Law School
Lorraine McGowen, Partner at Orrick, Herrington & Sutcliffe LLP
Tiffany Smith, Partner at WilmerHale

Fireside Chat with Marc Minor

Moderator:
Lorraine McGowen, Task Force Co-Chair and Partner at Orrick, Herrington & Sutcliffe LLP
Panelist:
Marc Minor, Senior Counsel, Thompson Hine LLP

Digital Assets, Crypto & Blockchain – The Oncoming World of Tokenization

Moderator and Lead Panelist:
Robert Schwinger, Co-Chair, Subcommittee on Distributed Ledger Technology and Blockchain, Partner, Norton Rose Fulbright US LLP
Panelists:
Chris Broderson, Managing Director, EisnerAmper LLP (Eisner Advisory Group LLC
Thania Charmani, Partner, Winston Taylor LLP
Gary Kalbaugh, Partner, Cahill Gordon & Reindel LLP
Alexander Zozos, General Counsel, Superstate

Topics:

• Tokenizing of financial and “real-world” assets - DTC-custodied assets, tokenized securities, and physical assets
• Current and potential future impact of legislation (GENIUS, CLARITY) and regulatory changes/proposals affecting payments
• Sources of rules: Commercial rules, banking rules, insolvency rules, SEC pilot programs
• Use of smart contracts & DeFi protocols to automate lending, collateral management and enforcement
• Transaction liability concerns: smart contract risks, third-party custody issues, potential liability for fraud

Consumer Protection Issues in Modern Payment Systems – Who’s Really in Charge? Fraud and Authorized Transactions at the Intersection of Open Banking, ISO 20022 and AI

Moderator and Lead Panelist:
Melissa Baal Guidorizzi, Co-Chair, Subcommittee on Digital Technologies Consumer Protection, Partner, Davis Wright Tremaine LLC, and former Senior Counsel for Enforcement Policy and Strategy Consumer Financial Protection Bureau
Panelists:
Annie C. Bai, Associate General Counsel: Technology Data and AI Governance, Socure
Wyatt Robinson, Chief Counsel, Payments, Circle
Cathy Yoon, General Counsel, Temporal

Topics:

• CFPB and Third-Party Access: analyze new open banking rules including NY proposed legislation, data portability, and the intersection of unfair and deceptive banking practices
• AI Compliance Guardrails: managing regulatory risk, ensuring transparency, and tackling bias in automated decision-making
• Modernizing risk management tools, fraud management systems and application of consumer protection regulatory risks for payments system players. Navigating the web of applicable consumer protection regulatory obligations including 1033 (open banking), the Fair Credit Reporting Act, Electronic Fund Transfer Act and Truth in Lending Act limitations on consumer liability. Discuss legal risks and liability in partnerships between banks and fintechs arising from embedded-payments & banking as a service (Baas)

Networking Luncheon and Keynote Address
Ebony Sunala Johnson, Chief Operating Officer and Chief Legal Officer, Financial Technology Association

Privacy, Data Governance, and Open Banking

Moderator and Lead Panelist:
Jonathan Scharf, Chair, Subcommittee on Law Enforcement and Regulatory Agency Digital Technologies Activities, and Financial Crimes and Risk Management Group, TD Bank and former Deputy Bureau Chief & Cryptocurrency Investigations Coordinator Major Economic Crimes Protection Bureau
Panelists:
Conway Ekpo, General Counsel & Corporate Secretary, Synctera
Megan Kilzy, Counsel, Riker Danzig LLP
Sabeena Liconte, Co-Chair, Foreign & Comparative Law Committee Head of Legal & Chief Compliance Officer, ICBC Standard Securities Inc.
Katy Ryan, Partner, Orrick, Herrington & Sutcliffe LLP

Topics:

• Discuss how expanding open banking frameworks (CFPB 1033 Rule) are changing access to consumer-permissioned data, API standards, and interoperability between banks and fintechs
• Explore legal obligations for data providers, aggregators, and authorized third parties under new rules
• Discuss state and federal privacy laws creating a patchwork of requirements for data access, use, retention, and consumer consent
• Discuss cross-industry collaboration on standard-setting for secure data exchange
• Discuss how cybsersecurity has moved from an IT concern to a central regulatory issue for fintechs and payment platforms, including discussing best practices for cybersecurity frameworks, incident reporting obligations

Regulatory Impact of GENIUS Act and Clarity Act and General Trends on Federal & State Enforcement & Surveillance Activities

Moderator and Lead Panelist:
Alexander Southwell, Co-chair, Subcommittee on Privacy, Partner, McDermott Will & Schulte
Panelists:
Michael Dawson, Partner, Jones Day
Ryan Dusseault, FTI Consulting
John Melican, Deputy Superintendent for Limited Purpose and Virtual Currency Trusts

Topics:

• 2026 Regulatory Pivot: navigating the shift from a “crypto-skeptic” enforcement environment to a more flexible, technology-friendly framework
• Regulatory Landscape at federal and state level, including the “GENIUS ACT” and Stablecoin regulation and the legal implications impact on bank-issued stablecoins and payment innovations
• Discuss opportunities and challenges for crypto lending and commercial transactions and the impact of changes in federal and state law and regulation on lending and commercial transactions
• Potential impact of the CLARITY Act and other regulation on prediction markets (e.g., Polymarket, Kalshi)
• Enforcement and surveillance developments, including the “crypto reset” and enforcement and litigation trends
• Discuss application of insider trading laws to sports/casino-style event contracts and other fintech contracts