Two Cents

Two Cents is hosted by TD Cowen financial policy analyst Jaret Seiberg. We cover the latest policy and market developments for banks, insurers, brokers, consumer finance, FinTechs, payments, markets and crypto.

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Consumer Financial Health and Policy Agenda for November

Nov 10, 2025

Consumer finance and credit quality are the focus of conversation for this episode. Hear the latest market update from Scott Smith and what we expect for the rest of November.

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State of Housing and Policy Agenda for October

Oct 16, 2025

We're joined by Max Rakhlenko who shares his insight on the housing market and what might happen in 2026. Listen in as we also get the market update from Scott Smith.

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The Tokenization of Equity Trading

Oct 08, 2025

We discuss tokenized equity trading with Reid Noch and hear the market update from Scott Smith. Listen in as we cover the financial policy agenda for September.

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Getting to Know Zip

Sep 18, 2025

Zip consumer financing experienced significant growth in the U.S. and Australian markets. Hear the strategy from Group CEO in bringing merchants online with Buy Now Pay Later (BNPL).

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Threat To Interest on Reserves: Expectations for Bank Capital Changes

Aug 08, 2025

Gennadiy Goldberg joins to discuss the threat to interest on reserves. Hear our recap of policy changes for financial companies, including bank capital reforms.

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Still All Gas and No Brakes: The Breakneck Pace of Regulatory Change

Feb 26, 2025

Hear our analysis of new changes to U.S. regulations surrounding consumer protection and OMB's assertion of control over the banking agencies.

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Are the Regulatory Handcuffs Coming Off?

Feb 04, 2025

The expectation of potential de-regulation is driving banks to be the best performing sector so far in 2025. Hear us discuss what regulations might change, and which might not.