Greg Xethalis, Karen Ubell, and Sheila Warren join Patrick Murck to debate the Clarity Act blowup, crypto market structure legislation strategy, and whether Congress can pass a bill before the window closes.

Financial regulation is failing to keep pace with innovation and the results are catastrophic. The UN estimates that less than 1% of financial crime gets caught globally, despite banks spending tens of billions annually on AML compliance. In this episode, Surus CEO Patrick Murck sits down with Jo Ann Barefoot, former Deputy Comptroller of the Currency and CEO of the Alliance for Innovative Regulation, to explore why outdated regulatory technology is the bottleneck preventing both effective crime detection and financial innovation.

Featuring Jo Ann Barefoot's decades of experience helping regulators adapt to technological change, from FinTech waves to crypto to AI transformation.

Relevant for: Crypto builders, DeFi teams, compliance professionals, RegTech innovators, stablecoin issuers, tokenized asset platforms, financial services leaders, policy experts.

U.S. policymakers continue to wrestle with how to regulate decentralized finance, stablecoins, and the broader crypto ecosystem. But as our guests Rebecca Rettig and Mike Mosier argue, the central challenge has never been "decentralization." Instead, the real regulatory question is who has independent control over other people's value.