Section 1033 of the Dodd-Frank Act is the foundation of open banking in the United States—giving individuals the right to access and share their own financial data with services of their choice. This rule seeks to increase consumer control, encourage competition, and make it easier to switch providers or use financial management tools. However, the Consumer Financial Protection Bureau—the agency responsible for implementing this provision—is now reconsidering how (or whether) it should be enforced. In today’s discussion, we explore why Section 1033 has become a key focus of rulemaking and how changes to open banking policies could shift the balance of power between consumers, financial institutions, and emerging fintech companies.To look into this, Shane Tews spoke with Penny Lee, president and CEO of the Financial Technology Association. Penny is also the cofounder of K Street Capital—an angel investment group in Washington, DC—and served as a senior advisor for former US Senate Majority Leader Harry Reid. She brings more than two decades of experience in the private and public sectors, making for an informative conversation.
--------
26:56
--------
26:56
When Portability and Social Media Meet (with Matt Reeder)
Bluesky Social is a social media app that was originally launched in 2019 on Twitter, before becoming an independent company in 2021. Bluesky’s mission is to offer a decentralized experience for users—where algorithms are not imposed on them, but they can choose their content preferences. The platform also highlights the importance of portability, enabling users to carry their social media ecosystems across different platforms. But what are the technical and social challenges to making true platform portability a reality?To explore this, Shane Tews interviews Matt Reeder, head of legal at Bluesky. Formerly, Matt served as chief legal and operations officer at OnlyFans and as a trial attorney with the US Marine Corps. His extensive experience in creating transparent, user-focused terms and conditions, combined with his passion for expanding opportunities, makes for an engaging conversation.
--------
28:26
--------
28:26
The Front Door to Your Digital Ecosystem: The Email Inbox (with Cy Khormaee and Ryan Luo)
Email was created over 50 years ago—so why isn’t it secure? Sixty-eight percent of IT teams report a data breach in their organization caused by phishing in the last year. Even experts trained to spot the telltale signs can be fooled: Nearly 66 percent of IT leaders admit to clicking malicious links, and more than half of employees have done the same.Shane interviews Cy Khormaee and Ryan Luo, cofounders of AegisAI. Together, they bring over a decade of experience at Google. In this discussion, they provide both a technical and practical lens to cybersecurity. They discuss why email is the frontline of cybersecurity, describe the anatomy of a phishing email, explain how individuals and organizations can protect their inboxes, and more.
--------
32:42
--------
32:42
Privacy and Governmental Surveillance (at the Technology Policy Institute’s Aspen Forum 2025)
As governments around the world expand their surveillance capabilities, strong encryption remains a cornerstone for protecting personal privacy, securing business data, and preserving digital rights. For consumers, it guards against identity theft and intrusive monitoring; for businesses, it protects intellectual property and builds trust across global markets. Yet, as governmental pressure to weaken encryption intensifies, critical questions arise: How do we preserve strong encryption standards while addressing legitimate security concerns? Can privacy, innovation, and human rights truly coexist with national security imperatives? And how do we resist the false choice between security and privacy that authoritarian regimes often present? At the Technology Policy Institute’s 2025 Aspen Forum, Shane Tews moderated a panel titled Privacy and Governmental Surveillance with Jeff Greene, Jim Kohlenberger, and Jennifer Huddleston as panelists. Together, they discussed how artificial intelligence is highlighting cybersecurity and privacy concerns and raising tough questions about governmental surveillance.
--------
50:25
--------
50:25
The Digital Markets Act Is Undermining the App Economy by Weakening Security and Opening Data Doors (with Graham Dufault)
The European Union’s Digital Markets Act (DMA) is changing the app economy—and not for the better. This law aims to promote competition for European companies by restricting large online platforms’ dominance, which are mostly American. But how is this working in practice? What are the main DMA-related challenges app developers should be aware of? And does the DMA create more problems than it solves? To answer these questions, Shane interviews Graham Dufault, general counsel of the App Association. In this role, he represents small and medium-sized mobile software developers and connected device companies within the app economy. His practical experience with the DMA’s consequences is crucial for unpacking all this and more.
Technology has become increasingly important to policy debates, but these debates won’t be productive without an understanding of how the technology in question works. AEI Visiting Fellow Shane Tews interviews tech industry experts to explain how the apps, services, and structures of today's information technology systems work, and how they shape our social and economic life.
España