“How Actionability Can Build Trust in Generative AI” Open Banker (October 14, 2025)
“AI and Category Errors” Forum on Financial Supervision at the London School of Economics Systemic Risk Centre (September 18, 2025)
“AI Actionability Over Interpretability” SSRN preprint (September 18, 2025). 2025 Winning Paper, DC Fintech Week 2025 – Fintech Foundation.
“When AI Models Malfunction, Address the Problem Not the Math” Risk.net (September 16, 2025)
“Cybernetic and Superintelligent Supervision” Forum on Financial Supervision at the London School of Economics Systemic Risk Centre (July 22, 2025)
“The Fraud Challenge” Remarks at the Women in Housing and Finance Public Policy Luncheon (December 11, 2024)
“Systemic Risk and Crossing the Hellespont” Remarks Prepared for the CFA Institute Systemic Risk Council (October 25, 2024)
“Evolving Bank Supervision” Remarks Before the Joint European Banking Authority and European Central Bank International Conference (September 3, 2024)
“Size, Complexity, and Polarization in Banking” Remarks Before the Exchequer Club (July 17, 2024)
“Financial Health Vital Signs: Measurement Toward Consumer Financial Health” Remarks in Support of the Financial Health Network EMERGE Conference (June 6, 2024)
“AI Tools, Weapons, and Accountability: A Financial Stability Perspective” Remarks in Support of the 2024 Conference on Artificial Intelligence and Financial Stability (June 6, 2024)
“Mitigating TBTF With Recovery Planning” Remarks at Entrepreneurship, Markets, and Technology: Regulation’s Challenges in a Changing World Conference (May 27, 2024)
“Elevating Fairness, 2024” Remarks at the National Community Reinvestment Coalition Just Economy Conference 2024 (April 4, 2024)
“Fairness and Effective Compliance Risk Management” Remarks at Consumer Bankers Association (CBA) Live (March 25, 2024)
“Thoughts on Operational Resilience” Remarks at the Institute for International Bankers Annual Washington Conference (March 12, 2024)
“Preventing the Next Great Blurring” Vanderbilt University (February 21, 2024)
“What Should the U.S. Banking System Look Like? Diverse, Dynamic, and Balanced“ University of Michigan School of Business (January 29, 2024)
“Building Better Brakes for a Faster Financial World” Columbia Law School (January 18, 2024)
“Reflections on the International Data Hub” Remarks at the BIS International Data Hub 10th Anniversary Conference (October 3, 2023)
“Delivering Financial Education and Banking Services in Indian Country: The Role of OCC and National Banks” Remarks for the Financial Literacy and Education Commission’s Public Meeting (July 20, 2023)
“Tokenization and AI in Banking: How Risk and Compliance Can Facilitate Responsible Innovation” Remarks to the American Bankers Association Risk and Compliance Conference (June 16, 2023)
“Ensuring the Public’s Trust in Banking and Fair Financial Access for All” Remarks to the Woodstock Institute’s 50th Anniversary Celebration (June 8, 2023)
“Financial Inclusion Successes on the Path to Financial Health” Remarks at the 2023 Bank On National Conference (Mary 23, 2023)
“Open Banking and the OCC” Remarks at the FDX Global Summit (April 19, 2023)
“Elevating Fairness” Remarks at the National Community Reinvestment Coalition Just Economy Conference 2023 (March 30, 2023)
“Trust and Global Banking: Lessons for Crypto” Remarks at the Institute for International Bankers Annual Washington Conference (March 6, 2023)
“Detecting, Preventing, and Addressing Too Big Too Manage” Remarks at the Brookings Institute (January 17, 2023)
“Promoting Prudent Credit Risk Management and Diversity and Inclusion” Remarks at the RMA Risk Management Virtual Conference (December 5, 2022)
“Skeumorphism, Commingling, and Data Gaps in Crypto” Remarks at DC Fintech Week 2022 (October 11, 2022)
“Don’t Chase” Remarks to the Harvard Law School and Program on International Financial Systems Roundtable on Institutional Investors and Crypto Assets (October 11, 2022)
“Safeguarding Trust in Banking: An Update” Remarks at the TCH + BPI Annual Conference (September 7, 2022)
“Community Banking, Digitalization, and the OCC” Remarks before the Texas Bankers Association (September 1, 2022)
“Cybersecurity Risks” Remarks before the Joint Meeting of the Financial and Banking Information Infrastructure Committee and the Financial Services Sector Coordinating Council (August 2, 2022)
“Understanding Consumer Financial Health and Well-Being in a Turbulent Market” Remarks at the Financial Literacy and Education Commission’s Public Meeting (July 14, 2022)
“CDFIs, MDIs, REACh, and CRA“ Remarks to the 2022 Community Development Bankers Association Peer Forum (June 9, 2022)
“Crypto: A Call to Reset and Recalibrate” Remarks at the DC Blockchain Summit 2022 (May 24, 2022)
“When the Tide Goes Out” Remarks at Bloomberg Risk & Regulation Week 2022 (May 17, 2022)
“Expanding Diversity and Inclusion and Minority Homeownership” Remarks to the Asian Real Estate Association of America Diversity and Fair Housing Summit (May 12, 2022)
“Bank Mergers and Industry Resiliency” Remarks at Brookings (May 9, 2022)
“Advancing Fair Access to Quality and Sustainable Credit” Keynote Address to the Black Homeownership Collaborative’s Fair Housing Month Virtual Forum (April 19, 2022)
“Thoughts on the Architecture of Stablecoins” Remarks before the Institute of International Economic Law at Georgetown University Law Center (April 8, 2022)
“Financial Stability and Large Bank Resolvability” Remarks before the Wharton Financial Regulation Conference 2022 (April 1, 2022)
“Tail Risks: March 2022” Remarks at the American Bankers Association Risk 2022 Conference (March 31, 2022)
“Climate Risk Management, Diversity and Inclusion” Remarks at the Institute for International Bankers Annual Washington Conference (March 7, 2022)
“The Community Reinvestment Act in Perspective” Remarks before the National Community Reinvestment Coalition (February 14, 2022)
“The Future of Crypto-Assets and Regulation” Remarks before the British American Business Transatlantic Finance Forum, Executive Roundtable (January 13, 2022)
“Reforming Overdraft Programs to Empower and Promote Financial Health” Remarks before the Consumer Federation of America’s 34th Annual Financial Services Conference (December 8, 2021)
“Modernizing the Financial Regulatory Perimeter” Remarks before the Federal Reserve Bank of Philadelphia Fifth Annual Fintech Conference (November 16, 2021)
“Five Climate Questions Every Board Should Ask” OCC Climate Risk Management Event (November 8, 2021)
“Leveling Up Banking and Finance” Remarks before the American Fintech Council Fintech Policy Summit 2021 (November 3, 2021)
“Replacing LIBOR” Remarks at the Alternative Reference Rates Committee (ARRC) Symposium (October 26, 2021)
“Diversity and Inclusion” Remarks at the Women in Housing and Finance Public Policy Luncheon (October 5, 2021)
“Cryptocurrencies, Decentralized Finance, and Key Lessons from the 2008 Financial Crisis” Remarks before the Blockchain Association (September 21, 2021)
“Safeguarding Trust in Banking” Remarks before the Exchequer Club (September 15, 2021)
“Subsidiaries or Branches: Does One Size Fit All?” IMF Staff Position Note SDN 11/04, with Jonathan Fiechter, Inci Otker-Robe, Anna Ilyina, Andre Santos, and Jay Surti (March 7, 2011)
“The Making of Good Supervision: Learning to Say ‘No’” IMF Staff Position Note SPN 10/08, with Jose Vinals, Jonathan Fiechter, Aditya Narain, Jennifer Elliott, Ian Tower, and Pierluigi Bologna (May 8, 2010)
Mike Hsu 