Speeches & Testimony

Rip, Release, Regret?
The Potential and Perils of Financial Innovation
Karen Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for American Bar Association Banking Law Committee
Washington, D.C.
January 17, 2020
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The Rude Awakening:
Libra’s Revelations and Financial-System Transformation
Karen Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for Women in Housing and Finance
Washington, D.C.
December 4, 2019
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Caught in the Cross-Fire:
Foreign Banks, Geopolitical Risk, and What Comes Next
Karen Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the Institute of International Bankers
New York, New York
October 17, 2019
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Purpose and Profit:
Reconsidering the American Banking Construct to Enhance Economic Equality
Karen Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for American Bankers Association Securities Association
Washington, D.C.
October 16, 2019
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Disintermediation, Disintegration, and Innovation:
The Future of Finance Controlled by Big Tech and Giant Central Banks
Karen Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the Conference of Counsel
Washington, D.C.
October 3, 2019
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Agility versus History:
The Strategic Conflict at the Heart of Big-Tech Finance
Karen Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for The Milken Institute FinTech Policy Symposium
Washington, D.C.
July 10, 2019
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Brave New World That Hath Such Risks in It:
Giant Tech Firms and Systemic Danger
Karen Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for The Professional Risk Managers International Association
2018 Financial Services Regulatory Forum
Washington, D.C.
November 28, 2018
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The Inequality Under-Belly of “Sound” Consumer Finance
Karen Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for The Clearing House and Bank Policy Institute’s 2018 Annual Conference
New York, New York
November 27, 2018
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When Financial Intermediation Turns into Data Intermediation:
New Risks and the Need for New Policies
Karen Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for Online Lending Policy Summit
Washington, D.C.
October 9, 2018
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Bank Regulation, Monetary Policy, and Economic Inequality:
A Lethal Combination and a Cure
Karen Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for Conference of Counsel
Washington, D.C.
September 27, 2018
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Network Analytics from Hell:
The Chaos of Post-Crisis Regulation
Karen Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for Professional Risk Managers’ International Association
Washington, D.C.
May 22, 2018
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Data and the Bank:
Financial Resilience in a Digital Age
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for Duke in D.C. Financial Regulation Forum
Washington, D.C.
March 27, 2018
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The Inexorable Will of the Financial Market:
Profit Imperatives and Financial-Policy Design
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the Federal Reserve Bank of New York
New York, New York…

The Road to Intermediation is Paved with Ruins:
Equifax and the End of Banking as We Know It
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the Conference of Counsel
Washington, D.C.
October 5, 2017
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The Day the Banks Stood Still:
Financial-Stability Risks from Beyond
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the Office of the Comptroller of the Currency
Washington, D.C.
October 3, 2017
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A Central Bank on the Brink:
The Future of the Federal Reserve in the Trump Administration
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for Chicago Financial Forum
Chicago, Illinois
September 14, 2017
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Capturing Advantage Despite Uncertainty:
U.S. Financial Policy under the Trump Administration
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for Treliant Risk Advisors, LLC
Washington, D.C.
June 28, 2017
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The Regulatory-Credibility Gap:
Why U.S. Rules are set for a Redo in Congress and the Courts
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for Banking Law Committee – New York City Bar Association
New York, New York
May 4, 2017
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Finding Financial Footing in the New Framework:
Critical Issues for Endowments and Foundations
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for The Regulatory Fundamentals Group LLC
Washington, D.C.
April 6, 2017
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Income Inequality:
The Battlefield Casualty of Post-Crisis Financial Policy
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for Federal Reserve Bank of Chicago/European Central Bank Nineteenth Annual International Banking Conference
Chicago, Illinois
November 3, 2016
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Just When You Thought It was Safe to Go Back into the Water:
The 2017 Policy Outlook
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for Conference of Counsel
Washington, D.C.
October 6, 2016
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Assessing the Bank M&A Landscape:
2017 Policy Drivers and What to Do About Them
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the 8^th Annual SNL Bank M&A Symposium
Washington, D.C.
September 23, 2016
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Global Challenges to Insurance Regulation and Resolution
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the National Organization of Life and Health Insurance Guaranty Associations
Washington, D.C.
July 21, 2016
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The Next Financial Crisis:
How Good Rules Go Bad
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the Federalist Society 2015 National Lawyers Convention
Washington, D.C.
November 13, 2015
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Insurance in the Systemic Cross-Hairs:
Workable, Realistic Regulation and Resolution for the New Age
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the National Organization of Life and Health Insurance Guaranty Associations 2015 Annual Meeting
Baltimore, Maryland
October 28, 2015
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Money Makes Markets, Not Rules:
The Collision of Monetary Policy, Macroeconomic Risk, and Financial Services
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the Conference of Counsel
Washington, D. C.
October 8, 2015
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Policy Drivers: Charting the New Course for U.S. Insurance Companies
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the NFI 11^th Annual Insurance Public Policy Summit
Washington, D. C.
March 17, 2015
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Other People’s Money: How Asset Management Poses Systemic Risk and What to Do About It
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the Conference on Financial Stability and Asset Management
Boston University Center for Finance, Law and Policy
Investment Company Institute
Boston, Massachusetts
March 11, 2015
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Hard to Do, But Worth the Effort: How FBOs Can Still Do Well In the U.S.
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Presented to the Institute of International Bankers
Washington, D. C.
March 2, 2015
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Eye-Bonds: A new Vision for Federal Support of Biomedical Research
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for CanceRX 2014
Massachusetts Institute of Technology
Cambridge, Massachusetts
October 28, 2014
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The Future of Corporate Finance at Commercial Banks and Why It Matters
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the Loan Syndications and Trading Association
19^th Annual Conference
New York, New York
October 23, 2014
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A Unified Field Theory of Banking
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the Conference of Counsel
Washington, D. C.
October 9, 2014
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The Systemic Richter Scale:
What Could Topple the Towers of Global Finance
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the American Banker Regulatory Symposium
Arlington, Virginia
September 22, 2014
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Is U.S. Banking the Next U.S. Steel?
Prospects for National Banks as the Shadows Lengthen
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for Building on 150 Years: The Future of National Banking, Sponsored by the Office of the Comptroller of the Currency and the Boston University Center for Finance, Law and Policy
Boston, Massachusetts
March 31, 2014
Watch: http://www.c-span.org/video/?318607-6/future-community-banking
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Banking in the U.S. for Profit Even If It’s Not Fun Anymore:
The New Strategic Landscape for Foreign Banks
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the Institute of International Bankers
Washington, D. C.
March 3, 2014
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Accounting for Change:
Critical Challenges for Effective Regulation
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the Seventh Annual FDIC Accounting and Auditing Conference
Arlington, Virginia
October 22, 2013
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Strategic Planning at the Crossroads:
The Future of Systemic Regulation in the Wake of the Fiscal Crisis,
Yellen Confirmation, Market Fragility
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the Conference of Counsel
Washington, D.C.
October 10, 2013
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The How-To of What-If:
Counting the Capital Cost of the New Regulatory Landscape
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the Regulatory Symposium
American Banker
Crystal City, Virginia
September 24, 2013
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Settling the Systemic Score:
Or, How to Plan for New Rules without Knowing What They Are
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Prepared for the American Bar Association
San Francisco, California
August 9, 2013
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“A Legislative Proposal to Protect American Taxpayers and Homeowners
by Creating a Sustainable Housing Finance System”
Basil N. Petrou
Managing Partner
Federal Financial Analytics, Inc.
Before the Committee on Financial Services
United States House of Representatives
Washington, D. C.
July 18, 2013
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Strategic Landscape:
Policy Challenges to Bank Capital-market Activities
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Presentation Prepared for the American Bar Association Securities Association
Washington, D.C.
June 19, 2013
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A Critical Missing Reform Criterion:
How Can We Regulate “Systemic” Banks When We Don’t Know Who They …

The Systemic Slim-Down: Easy to Say, Hard to Do
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Remarks Prepared for the Fourth Annual Regulatory Reform Symposium Navigating Dodd – Frank: Are We Avoiding Another Financial Crisis?
George Washington University Law School Center for Law, Economics and Finance
Washington, D. C.
October 26, 2012
Watch: http://www.c-span.org/video/?309084-3/avoiding-future-financial-crises
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Death of the Voracious Vampire Squid:
Why This Solution Doesn’t Solve the Systemic Problem
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Remarks Prepared for
The Buttonwood Gathering 2012
The Economist
New York, New York
October 25, 2012
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Seeing the Forest, Not the Trees:
What the Sum Total Impact of All the New Rules Means
For the Industry and Financial-System Stability
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Before SIFMA 2012 Annual Meeting
New York, New York
October 23, 2012
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Dead Ends on the Road to Global Bank Regulation:
What the Barriers to Cross-Border Standards Mean to Global Banks
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Before the Conference of Counsel
Washington, D.C.
October 4, 2012
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Round Peg, Square Hole: Reconciling Regulation and Community-Bank Profitability
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Before the New Hampshire Bankers Association
Washington, D. C.
October 2, 2012
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A Job That Passeth Understanding: Or, Can Anyone Be a Bank Director Anymore?
Karen Shaw Petrou
Managing Partner
Federal Financial Analytics, Inc.
Before 21st Annual Corporate Governance Conference, …