In this episode of MISMO Mic’d Up, Brian Vieaux sits down with Paul Gigliotti, CEO of the California MBA, for a wide-ranging conversation on advocacy, innovation, and why being in the room early can fundamentally change how mortgage businesses compete and grow.

Brian and Paul begin by reflecting on their parallel journeys—both stepping into leadership roles at major industry organizations within days of each other—and how shared backgrounds in lending and technology shape their approach to leadership today. From there, the conversation dives into the mission and impact of California MBA, with Paul breaking down its three core pillars: advocacy, education, and networking, and why advocacy should be viewed not as politics—but as business strategy.

A major theme of the episode is California’s outsized influence on the national mortgage ecosystem. With California accounting for up to 40% of annual mortgage originations and serving as a legislative bellwether for other states and federal policy, Paul explains why lenders—especially multi-state operators—cannot afford to treat California policy in isolation. What happens in California rarely stays in California.

The discussion then turns to a powerful insight: membership isn’t just about support—it’s about foresight. Paul and Brian explore how lenders and technology providers that actively participate in associations gain early visibility into regulatory and legislative shifts, enabling them to adapt faster, innovate sooner, and sometimes even shape outcomes. Real-world examples highlight how being engaged—not just enrolled—can create lasting competitive advantage.

The episode also spotlights the newly announced partnership between MISMO and California MBA, including MISMO hosting two workshops at the upcoming Mortgage Innovators Conference (MIC) in Huntington Beach. Brian outlines what attendees can expect from the workshops, including deep dives into the Mortgage Compliance Dataset (MCD) and MISMO’s work on responsible AI frameworks for mortgage lending—two of MISMO’s top priorities heading into 2026.

Paul shares why MIC has become a must-attend, national-caliber event for mortgage innovation, emphasizing its focus on practical implementation, not just shiny new tools. The conversation also previews California MBA’s broader event lineup—from legislative advocacy days to capital markets and compliance conferences—and hints at future opportunities for deeper collaboration between the two organizations.

The episode closes with a candid look at how lobbying and standards work actually gets done: staying in your lane, leaning on subject-matter experts, and building trust with policymakers through education—not confrontation. It’s a reminder that sustainable progress in mortgage lending happens when advocacy, standards, and innovation move together.

Whether you’re a lender, fintech, compliance leader, or industry executive, this episode delivers a clear message: the future belongs to those who show up early, engage deeply, and help shape what’s next.

🎧 Tune in—and make sure you’re in the room.