Webinar: CFPB Complaints, Enforcements, Rulemaking Surge, and Future Projections

Webinar: CFPB Complaints, Enforcements, Rulemaking Surge, and Future Projections

Watch On Demand


With over 1.3M consumer complaints submitted to the CFPB, 2023 is yet another record-breaking year of consumer complaints. This surge, coupled with increased rulemaking and activity from the CFPB in recent months, means that consumer finance organizations face significant regulatory and compliance pressure as we look ahead to 2024.

Watch this webinar as experts take a look at recent CFPB consumer complaint trends + rulemaking initiatives and discuss the future implications for 2024 and beyond.

Discussion topics include:

  • A review of the top consumer complaint and enforcement trends from 2023
  • Notable CFPB rulemaking activities and initiatives, including junk fees, the shift towards open banking, and supervision of nonbank companies
  • What all of this means as organizations look ahead to 2024 and how to get out ahead of compliance risk 

Meet The Experts

Melissa Baal Guidorizzi

Melissa Baal Guidorizzi
Orrick, Herrington & Sutcliffe LLP

Drawing on nearly two decades in enforcement at the Consumer Financial Protection Bureau (CFPB) and in-house at a global diversified financial services corporation, Melissa Baal Guidorizzi advises traditional financial institutions and emerging financial technology (fintech) companies on consumer financial services compliance, regulatory investigations and enforcement actions and litigation.

During Melissa's tenure at the CFPB's Office of Enforcement, she developed supervision and enforcement priorities, identifying subjects for examinations and investigations. She also shaped federal consumer financial laws that impact cryptocurrency markets, new payment technologies, and established financial institutions, including the Electronic Fund Transfer Act (EFTA), the Truth in Lending Act (TILA), Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) and the Fair Credit Reporting Act.

Melissa also spent nearly a decade in-house at a large multinational financial institution, where she was responsible for implementing regulatory compliance initiatives, defending enforcement actions and managing regulatory examinations.

Gary Stein

Gary Stein
Partner and Chief Portfolio Officer

Gary brings 30+ years’ experience in financial services as a fintech practitioner, regulator, banker and consultant towards the development of safe and sustainable payment, deposit, and lending solutions. Gary leads the Risk and Compliance practice areas for 99FinTech.

Most recently, Gary served as the US Chief Product and Compliance Officer for an international point of sale lending company where he developed the product strategy, Americanized the firm’s platform and market approach, built a comprehensive compliance management system, and helped to stand up a working enterprise in only 10 months.

Gary previously led policymaking efforts related to consumer payments, deposits, unsecured credit, and data aggregation at the Consumer Financial Protection Bureau, where he served for 9 years. Among his accomplishments at the Bureau were creating the CFPB’s Consumer Protection Principles for both Faster Payment Systems and Consumer-Authorized Data Access; bringing substantial transparency to checking account overdraft by authoring groundbreaking publications and amending bank call reports; and publishing the Bureau’s Advanced Notice of Proposed Rulemaking on Section 1033. Gary was also a leading proponent and designer of U.S. real-time payments, serving on the Steering Committee of the Federal Reserve’s Faster Payments Task Force as well as the Fed’s Governance Framework Formation Team.

Prior to joining the CFPB, Gary was co-founder and Partner at Capital Performance Group, a financial services strategy consultancy with a focus on launching new businesses and products, distribution planning, and performance improvement. Earlier in his career, Gary held roles at Furash & Company, Signet Bank, Coopers & Lybrand, and Andersen Consulting.

Gary is a regular industry speaker and presenter and has been quoted frequently.

John Zanzarella

John Zanzarella
Sr. Vice President of Sales

John Zanzarella is the SVP of Sales at PerformLine. John’s career spans sales, marketing, operations, and entrepreneurship.

John’s current focus is helping scale the sales organization during a period of tremendous growth. Under his responsibilities are new business, strategic account growth, strategic planning, and forecasting.

Prior to PerformLine, John was a partner in a Digital Marketing Agency where he worked with some of the world’s largest brands.

John has also been a featured speaker at many events including COMPLY, the Westchester Digital Summit, Catalyst Week, LeadGeneration World, and more.