Three year old has been walking around the house for a week talking about how she’s going to “punch Donald Trump in the B-U-T-T.”

Wife is asking her to unpack her plan while taking a bath. Live tweeting it here.
Wife: How are we going to get to DC.

3YO: Daddy will drive me.

Wife: it’s far.

3YO: He’ll drive all night.
Wife: How are you going to get into his house?

3YO: My friend Mila will knock on his door.

Wife: then what?
3YO: Mila has all the toys in her suitcase.

Wife: So they let you in so they can take the toys?

3YO: Yup.
Wife: How do you find Donald Trump in the house.

3YO: He has a bedroom. He’s hiding somewhere in his bedroom.

Wife: Are you going to wear a disguise?
3YO: Uh huh

Wife: does he open the door to his room?

3YO: No, we have to go in.

Wife: then what ?
3YO: Then we punch him in the B-U-T-T

Wife: What do you do after that?

3YO: We make an idea.
Here’s the video TLDR

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More from @regulatorynerd

18 Nov
1/ Am listening to the CFPB's consumer advisory committee meeting discussion on the Section 1033 consumer info sharing rule making and current market trends. Some notes and thoughts here.
2/ All the long-time Bureau folks seem to be here. Will Wade-Grey presented. Gary Stein is talking now. David Erich, an operator/founder/thought leader on the advisory committee is dialed in. 36 panelists in total. Other attendees listening in are hidden.
3/ For context, Section 1033 of the Dodd Frank Act lets the CFPB write rules to create an open banking regime. There's an open comment period right now. I plan on doing a deep dive in the next week or so and will likely write a comment letter in my capacity as a private citizen.
Read 57 tweets
2 Nov
1/ Lots of interesting nuggets on the PayPal earnings call. And Dan Shulman saying "regulators" four times in his opening remarks. Thread following here later tonight (Pacific time).
2/ pre-thread nugget -- after-hours trading going lower the more Dan Schulman and John Rainey talk about Q4 and dodge on 2021 forecasting. Was -$10 a share a few minutes ago. Rainey continues to take Q4 and 2021 forecast questions, and stock going lower (down $12 a share).
3/ @PolicyPitts - you doom scrolling late on the East Coast? Cause I'm back and a tweeting about the @PayPal earnings call.
Read 64 tweets
1 Nov
I agree 100%, but this means Democrats will have to take on their own in New York State and push them to change rules that make voting easier. I doubt they’ll do this in a cycle where increased voter pool will likely lead to a Schumer primary loss.
New York has closed primaries and requires you to be properly affiliated with a party FIVE months before the primary election. Image
New York also does not offer same-day registration in the general. Instead, (this cycle) you have to register almost a month in advance. ImageImage
Read 4 tweets
28 Aug
1/ .@alexh_johnson asked if I might weigh in on why the CFPB is requesting info on the U.S. consumer credit card market.

Buckle up for a tale of gun-toting senators, people being angry about mail, slow government regulators and Maxine Waters . . .
2/ First a brief detour --

Folks are angry due to the horrible incident with Jacob Blake. Regardless of how you feel about BLM or democrats, I bet you do have feelings about people.

I bet we can all agree keeping people alive is good, and US people should have the same rights.
3/ Almost done -- if you typically dismiss things like BLM, or raise what-about-isms to confirm your views, why not think differently for a few days? Maybe ask how you’d feel if your neighbors and and people that look like you kept getting shot just for doing normal things.
Read 37 tweets
3 Aug
.@noyesclt had a good blog post where he called @Square a potential loser due to @Apple's purchase of @mobeewave

I respectfully disagree with Tom. Square will remain the leader for next gen POS and SMB services. But Fiserv, and Visa and MC may have a new threat. Thread below.
First a story. I saw a demo two years ago where a large online acquirer (think Adyen-like) had someone take a tap payment via their cell phone. No extra hardware.

As a Square shareholder, I almost shit my pants.
I texted a few other folks in payments about what I saw (they had the chance, but missed the demo). We agreed Square would be toast.

Two years later, and Square is still chugging along and growing. So what gives?
Read 37 tweets
28 Jul
Glad @mengxilu flagged this. Affirm's rated securitization is a great spring board to chat (type?) about FinTech capital markets, valid-when-made and true lender issues.

Lots of recent developments in this space. Anyone else up for a thread? Then let's read on!
As a baby lawyer, I worked on MSB, CDO and eventually ABS card and auto deals. I was both law firm and in-house counsel. And I dealt with Reg AB, SEC Form ABS-15G reporting and also how to deal with risk retention.
ABS or asset-backed securitization has long been a critical funding tool for non-bank lenders, and even fledgling bank lenders.
Read 52 tweets

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