3:00 pm – 7:00 pm

Annual Meeting Registration Open

Citrus Ballroom Rotunda (Beyond Lobby)

6:30 pm – 8:00 pm

Executive Committee Meeting (Committee Members Only)

Juniper (In Lobby)

7:00 pm – 10:00 pm

Hospitality Suite Networking

Room 720

Pre-Event

Breakfast

On Own

8:00 am – 11:45 am 

Annual Meeting Registration Open

Citrus Ballroom Rotunda (Beyond Lobby)

8:00 am – 9:00 am 

Open Committee Meeting (Committee Members Only)

Wine Cellar

9:00 am – 9:20 am   

Welcome & Opening Remarks  

Citrus Ballroom

9:20 am – 10:00 am   

Regulator Introductions

Citrus Ballroom

10:00 am – 10:45 am   

Landscape of State Consumer Finance Regulation

^{Emiliya Farbstein, IL}

Citrus Ballroom

10:45 am – 11:00 am   

Break

Pre-Function

11:00 am – 11:30 am

Earned Wage Access from the State Regulator Perspective

^{DeCarlton (Cory) Kincy, CA; Daryl Wetter, KS; Kerri Hawley, SC}

Citrus Ballroom

11:30 am – 12:00 pm

NACCA Business Meeting, Election of Officers

Citrus Ballroom       

12:00 pm – 1:15 pm

Lunch Break

On Own

1:15 pm – 1:25 pm

Break (Return to sessions)

Pre-Function

1:25 pm – 2:30 pm

Updated Multi-State Exams and State Exam Standards

^{Tom Nate, ID}

Citrus Ballroom

2:30 pm – 2:45 pm

Break

Pre-Function

2:45 pm – 4:30 pm

Open Forum Roundtable

^{Ali Higgs, WA}

Citrus Ballroom

5:00 pm – 6:30 pm

First-Time Attendees Welcome Reception

^{Open to all attendees}

Orchid Terrace/Garden Gazebo

7:00 pm – 10:00 pm

Hospitality Suite Networking

Room 720

Pre-Event

Breakfast

On Own

8:10 am – 8:15 am

Conference Welcome- Day 2

Citrus Ballroom

8:15 am – 9:00 am

Session 1: Debt Settlement: The Industry Perspective

^{Robby H. Birnbaum, AADR/Greenspoon Law Firm}

Citrus Ballroom

9:00 am – 10:00 am

Session 2: What’s Happening with Earned Wage Advances?

^{Yasmin Farahi, Deputy Director of State Policy and Senior Policy Counsel
Topic: EWA Legal & Regulatory Landscape}

^{Lucia Constantine, Senior Researcher at CRL
Topic: EWA Research}

Citrus Ballroom

10:00 am – 10:15 am

Break

Pre-Function

10:15 am – 11:00 am

Session 3: Regulating a Fintech-Forward Future: BNPL’s Role in Creating a Smarter, More Inclusive Credit Ecosystem (Developments in Buy Now Pay Later)

^{Gerron S. Levi, Founder & Managing Member | Levi Consulting, LLC ; Melanie WiWczaroski, CRCM, Affirm Head of US Compliance & Global Shared Services; Pete Morgan, Partner, Winston & Strawn, Co-Chair, Structured Finance & Co-Chair, Esoteric Finance Practices}

^{Moderated By: Shereefat Balogun, Assistant Commissioner, Assistant, Office of Financial Regulation, State of Maryland}

Citrus Ballroom

11:00 am – 11:45 am

Session 4: Dark Patterns: The Pattern of Digital Deception

^{Gregory Dickinson, University of Nebraska College of Law}

Citrus Ballroom

11:45 am – 1:30 pm

Networking Lunch

Orchid Terrace/Garden Gazebo

 1:30 pm – 2:30 pm

Session 5: From Legal Obscurity to Innovation in Consumer Credit: The Shift Toward Responsible Access through Non-Traditional Methods

^{Ian P. Moloney, Senior Vice President, Head of Policy and Regulatory Affairs, American Fintech Council
Topic: Moderator}

^{Nat Hoopes, VP, Head of Public Policy and Regulatory Affairs
Topic: Trends in Alternative Data and Innovative Underwriting Models}

^{McGlinchey; Robert Savoie, Member, Chair, Fintech Practice Group
Topic: Expanding Credit Access in a Responsible yet Innovative Manner}

^{Kelly Cochran, Deputy Director and Chief Program Officer, FinRegLab
Topic: Legal and Policy Issues Underpinning Bank-Fintech Partnerships in Consumer Credit}

^{Avy Mallik, General Counsel, CA Department of Financial Protection and Innovation (DFPI)
Topic: Implications of DIDMCA on the Consumer Credit Market and Opportunities for Regulatory Clarity}

Citrus Ballroom

2:30 pm – 2:45 pm

Break

Pre-Function

2:45 pm – 3:45 pm

Session 6: Federal Legal and Regulatory Consumer Financial Services Update

^{Jonathan L. Pompan, Venable LLP}

Citrus Ballroom

3:45 pm – 4:30 pm

Session 7: Auto Finance from an Industry Perspective

^{Danielle Fagre Arlowe, American Financial Services Association}

7:00 pm – 10:00 pm

Hospitality Suite Networking

Room 720

Pre-Event

Breakfast

On Own

8:00 am – 9:00 am

Session 8: Cryptocurrency & Crypto Lending

^{Ethan McLaughlin, VT}

Citrus Ballroom

10:00 am – 10:15 am

Break

Pre-Function

10:15 am – 11:00 am

Session 11: State Agency Regulatory Update

^{Matthew Nance, TX; Jim Copeland, SC}

Citrus Ballroom

11:00 am – 11:45 am

Session 12: Nonbank Cybersecurity Briefing

^{Brad Robinson, Senior Director, Cybersecurity Policy and Supervision, at CSBS}

EOL Fact Sheet 

MFA Fact Sheet

Citrus Ballroom

11:45 am – 1:15 pm

Officer Installation Luncheon w/ Guest Entertainment                

^{Mentalist Adrian Saint}

Citrus Ballroom

1:15 pm – 1:30 pm

Break (Overflow Time)

Pre-Function

1:30 pm – 2:15 pm

Breakout Discussions Part I

^{Break Out Topic: Licensing | Jim Copeland, SC
Break Out Topic: Student Loans | Zak Hingst, IA
Break Out Topic: Solar | Emiliya Farbstein, IL
Break Out Topic: Emerging Issues | Andrea Cipolla, MA}

Breakout Location

^{Citrus Ballroom
Orchard Terrance
Wine Cellar
Garden Gazebo}

2:15 pm – 3:00 pm

Breakout Discussions Part II

^{Break Out Topic: Licensing | Jim Copeland, SC
Break Out Topic: Student Loans | Zak Hingst, IA
Break Out Topic: Solar | Emiliya Farbstein, IL
Break Out Topic: Emerging Issues | Andrea Cipolla, MA}

Breakout Location

^{Citrus Ballroom
Orchard Terrance
Wine Cellar
Garden Gazebo}

3:00 pm – 3:15 pm

Break

Orchid Terrace/Garden Gazebo

3:15 pm – 4:00 pm

Breakout Reports

^{Ali Higgs, WA}

Citrus Ballroom

4:00 pm – 5:00 pm

Roundtable / Wrap-Up Session

^{Zak Hingst, IA}

Citrus Ballroom

5:00 pm

2025 NACCA Annual Meeting and Regulators’ Training Symposium Adjourned

Citrus Ballroom

7:00 pm – 10:00 pm

Hospitality Suite Networking

Room 720