Recent Speaking Engagements:
Recent Publications -also available at: https://medium.com/@TBakerBroadmoor
- What Really Happened with GameStop?, Richman Center Public Lecture Series, Columbia University 2022
- Small Businesses in the COVID Recession, Richman Center Public Lecture Series, Columbia University 2020
- FT Partners, Big Tech and Fintech, 2019
- Aspen Institute DC Summit, Vancouver, BC 2019
- Fintech Banking at the Crossroads, Richman Center Public Lecture Series, Columbia University 2019
- FinTech, New York City Bar Association 2019
- The Rise of Chinese Fintech, Richman Center Public Lecture Series, Columbia University 2019
- Fintech Startups and Financial Health, Richman Center Public Lecture Series, Columbia University 2019F
- Harvard Kennedy School FinTech 2019
- Cities for FInancial Empowerment Coalition Forum, St. Louis, MO 2018
- Fintech and the New Financial Landscape, Federal Reserve Bank of Philadelphia, PA 2018
- CFSI Emerge Conference, Los Angeles, CA 2018
- Urban Institute--FinTech: Who Does it Serve, Who Can it Serve? Washington DC 2018
- Urban Institute and CoreLogic’s Fifth Annual Housing Finance Symposium Washington DC 2017
- MIT FinTech Conference, Cambridge MA 2017
- HBS Future of Finance Conference, Cambridge MA 2016
- Goldman Sachs Regional & Community Bank CEO Conference, NY 2016
- CFSI Emerge Conference, New Orleans, LA 2016
- Lendit Conference, San Francisco, CA 2016
- Marketplace Lending + Investing, New York, NY 2015
- Acquire or be Acquired Conference, Scottsdale AZ 2015
- JP Morgan Bank Corporate Development Conference, New York, NY 2014
- Citibank Beyond the Basics Financial Services Forum, Napa, CA 2014
- FIG Partners Western Bank CE0 Forum, San Francisco, CA 2014
Recent Publications -also available at: https://medium.com/@TBakerBroadmoor
- Marketplace Lenders are a Systemic Risk, American Banker August 17, 2015
http://www.americanbanker.com/bankthink/marketplace-lenders-are-a-systemic-risk-1076047-1.html - Lending Club Lays Bare Marketplace Lending's Problems http://www.americanbanker.com/bankthink/lending-club-lays-bare-marketplace-lendings-problems-1080921-1.html
- OK Marketplace Lenders, I'll Say It: I Told You So http://www.americanbanker.com/bankthink/ok-marketplace-lenders-ill-say-it-told-you-so-1080845-1.html
- Reality Check for Marketplace Lenders http://www.americanbanker.com/bankthink/reality-check-for-marketplace-lenders-1079894-1.html _
- Alternative Lenders Play with Fire by Discarding FICO http://www.americanbanker.com/bankthink/alternative-lenders-play-with-fire-by-discarding-fico-1079303-1.html
- Forget FinTech Originators--the Enablers are Here, American Banker January 11, 2016
http://www.americanbanker.com/bankthink/forget-fintech-originators-the-enablers-are-here-1078767-1.html - First Hawaiian--A Bank Too Successful to Buy? https://www.linkedin.com/pulse/first-hawaiian-bank-too-successful-buy-todd-baker?trk=hp-feed-article-title-like
- HIgh Cost Credit Better than No Credit? Not Necessarily, American Banker. May 31, 2016 http://www.americanbanker.com/bankthink/high-cost-credit-better-than-no-credit-not-necessarily-1081245-1.html
- American Banker Podcast--Why Banking the Middle Class is No Longer Profitable http://www.americanbanker.com/podcast/
- It Should be Obvious Now that Marketplace Lending is Unsustainable http://www.americanbanker.com/bankthink/it-should-be-obvious-now-that-marketplace-lending-is-unsustainable-1090861-1.html
- It's Time We Talked About Uber https://medium.com/@TBakerBroadmoor/its-time-we-talked-about-uber-1b137b075ea4#.exk0o8j1i
- Wells is Exhibit A of Employee Incentive Failures http://www.americanbanker.com/bankthink/wells-is-exhibit-a-of-employee-incentive-failures-1091227-1.html
- UK is Blueprint for How Bank 'Culture" Backlash Will Play Out http://www.americanbanker.com/bankthink/uk-is-blueprint-for-how-bank-culture-backlash-will-play-out-1091616-1.html www.americanbanker.com/opinion/congress-was-wrong-to-leave-ppp-disbursement-up-to-banks
- LendingClub Should Become A Bank as Fast as it Can _https://ftalphaville.ft.com/2016/11/25/2180274/lending-club-should-become-a-bank-as-fast-as-it-can/
- How to Solve the Bank Fee Conundrum Hurting Consumers _https://www.americanbanker.com/opinion/how-to-solve-the-bank-fee-conundrum-hurting-consumers
- Better fintech alternatives to high cost credit are already here https://www.linkedin.com/pulse/better-fintech-alternatives-high-cost-credit-already-here-todd-baker
- FinTech Alternatives to Short-Term Small Dollar Credit for Low-Income Working Families www.hks.harvard.edu/centers/mrcbg/publications/awp/awp75
- FinTech: Who Does it Serve, Who Can it Serve? www.urban.org/events/fintech-who-does-it-serve-who-can-it-serve
- Online lenders shouldn't gloss over the Cleveland fed study www.americanbanker.com/opinion/online-lenders-shouldnt-gloss-over-cleveland-fed-study
- The Power of the Salary Link https://www.hks.harvard.edu/centers/mrcbg/publications/awp/awp88
- A Better Alternative to Payday Loans https://www.wsj.com/articles/a-better-alternative-to-payday-loans-1526233530
- Why there's no need for the OCC's fintech charter www.americanbanker.com/opinion/why-theres-no-need-for-the-occs-fintech-charter
- How regulators besides the OCC can help fintechs www.americanbanker
- .com/opinion/how-regulators-besides-the-occ-can-help-fintechs
- Renaud Laplanche's redemption story is a bad omen for fintech www.americanbanker.com/opinion/renaud-laplanches-redemption-story-is-a-bad-omen-for-fintech
- Philadelphia Fed panel "Legal Issues Around Fintech, Alternative Data, and Fair Lending" www.youtube.com/watch?v=zW7o2C9ae1Q&t=0s&list=PL3nIbYCsVRj02efq7Yn2uL15UuTTM0BPb&index=10
- Charter or not, Fintechs are already banking https://www.americanbanker.com/opinion/charter-or-not-fintechs-are-already-banking
- Visa's Plaid Deal Shows You Can Teach an Old Dog New Tricks www.americanbanker.com/payments/opinion/visas-plaid-deal-shows-you-can-teach-an-old-dog-new-tricks
- Simpler is better for fintechs breaking into banking www.americanbanker.com/opinion/simpler-is-better-for-fintechs-breaking-into-banking
- It's time to tie banks' business models to customer well-beingwww.americanbanker.com/opinion/its-time-to-tie-banks-business-models-to-customer-well-being
- Making Outcomes Matter: An Immodest Proposal for a New Consumer Financial Regulatory Paradigm (with Corey Stone) George Washington University Business & Finance Law Review gwbflr.org/volume-4-issue-1/
- The Fall of Wirecard clsbluesky.law.columbia.edu/2020/07/08/the-fall-of-wirecard/
- It's Time to Tie Banks' Profits to Customers' Financial Health hbr.org/2020/08/its-time-to-tie-bank-profits-to-customers-financial-health
- Congress Was Wrong to Leave PPP Disbursement to Banks www.americanbanker.com/opinion/congress-was-wrong-to-leave-ppp-disbursement-up-to-banks
- Fed's New TALF has a Major Gap www.americanbanker.com/opinion/feds-new-talf-has-a-major-gap
- Fintech SPACs Have Been Swimming Naked – and the Tide Is Going Out clsbluesky.law.columbia.edu/2022/01/27/fintech-spacs-have-been-swimming-naked-and-the-tide-is-going-out/
- How to Help Small Businesses Survive Covid-19 (with Katherine Judge) papers.ssrn.com/sol3/papers.cfm?abstract_id=3571460
- Credit, Crises and Infrastructure: The Differing Fates of Large and Small Businesses (with Katherine Judge and Aaron Klein, Forthcoming in Boston University Law Review) papers.ssrn.com/sol3/papers.cfm?abstract_id=4049321
- Richman Center Videos can be found here https://www8.gsb.columbia.edu/video/channel/richman-center-business-law-and-public-policy
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lending_club_lays_bare_marketplace_lending.pdf | |
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ok_marketplace_lenders.pdf | |
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ab_reality_check_for_marketplace_lenders.pdf | |
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alternative_lenders_play_with_fire_--american_banker.pdf | |
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final_ab_high_cost_lending_article.pdf | |
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forget_fintech_originators--american_banker.pdf | |
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ab081315baker_final.pdf | |
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why_banking_the_middle_class_is_no_longer_profitable_tscpt_tb_edit_clean_.pdf | |
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it_should_be_obvious_now_that_marketplace_lending_is_unsustainable.pdf | |
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its_time_we_talked_about_uberfinal.pdf | |
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ab_wells_is_exhibit_a_of_employee_incentive_failures.pdf | |
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ab_baker_culture.pdf | |
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long_form_final_ft_lendingclub_piece.pdf | |
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ab__5-17_better_fintech_alternatives_to_high.pdf | |
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final_mrbg_paper_baker-kumar_5-9-18.pdf | |
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