Today’s episode is part two of a the conversation had between John Zanzarella, VP of Sales here at PerformLine and Gary Stein, US Chief Product & Compliance Officer at Opy.  

Gary previously led policy-making efforts and a team of subject matter experts for the CFPB - covering consumer deposits, emerging and legacy payment systems, consumer-authorized data sharing/aggregation, small-dollar, and other consumer lending products. 

John and Gary’s discussion revolves around key topics such as:

• When it comes to protecting the consumer - what do you think the future holds in terms of regulation in this space?
• What can buy now, pay later firms do today to get ahead of this regulation to come?
• Gary’s process for handling merchant monitoring and his advice for others in the space to ensure merchants’ behavior aligns with company brand parameters.
• The difference in US regulations of BNPL firms versus those authorities abroad.
• Some of the separators for those buy now, pay later companies who will continue to grow and evolve and those who will not.