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Mike Hsu

Advisor, speaker, former regulator


  • October 16, 2025

    Guest lecturer at Georgetown, Wharton, and GW

    I have recently guest lectured three classes. On October 6, I joined Georgetown law professor Chris Brummer’s class to discuss stablecoins, AI, and innovation policy. On October 13, I joined Wharton law professor Peter Conti-Brown’s class to discuss anti-money laundering. And on October 15, I jointed GW visiting professors Scott Alvarez and Laurie Schaeffer to… Continue reading

    Guest lecture
    AI, AML, bank-fintech, innovation, resolution, stablecoins
  • October 10, 2025

    Fireside chat “BofA Expert Insights Series”

    On October 9 I had a virtual fireside chat with Ebrahim Poonawala, head of Bank of America’s North America Banking Research, as part of their Expert Insights Series. We discussed a wide range of topics from regulatory reforms, Basel 3 and mergers to fintech partnerships and the macroeconomic environment. Continue reading

    Fireside
    Basel 3, mergers, regulation
  • October 10, 2025

    Keynote Panel on “Shaping the Future of Finance”

    On October 8, I joined Manmohan Singh and Samim Ghamami on the keynote panel for Risk Live North America’s annual conference in Nashville, TN. In addition to discussing the outlook for rates and the future of money, my remarks focused on stablecoins and AI. Continue reading

    Conference, Fireside
    AI, future of money, risk, stablecoins
  • September 30, 2025

    Fireside at AI-Native Banking and Fintech Pre-Conference

    On September 29, I had a fireside chat with Madeline Fredin of Alloy Labs at a pre-conference event for industry and regulatory leaders attending SpringLab’s AI-Native Banking and Fintech Conference in Salt Lake City, Utah. We discussed AI risk governance, model risk management, evals, fintech partnerships, impacts on community banking, and regulatory training, amongst other… Continue reading

    Conference, Fireside
    AI, model risk management, regulation, supervision
  • September 28, 2025

    Panel on “AI Adoption: Enablers and Blockers”

    On September 24 in Frankfurt, I joined Dovile Grigiene (Revolut), Santa Purgaile (Bank of Latvia), and Alexander Thamm, for a panel discussion of AI adoption at the ECB’s annual Supervision Innovators Conference. We discussed the proof-of-concept ‘trap’, the role of culture and inertia, and the risks of moving too slowly. Continue reading

    Conference
    AI, supervision
  • September 18, 2025

    Essay on “AI and Category Errors”

    Today the Forum on Financial Supervision at LSE’s Systemic Risk Centre published my essay, “AI and Category Errors“. In it, I pose the question: Is AI a model, software, or third party service? The answer matters because the risk management frameworks for each are quite different. Below is an excerpt. At regulated financial institutions, models,… Continue reading

    Publication
    AI, artificial-intelligence, business, chatgpt, MRM, regulation, SR 11-7, technology, TPRM
  • September 12, 2025

    Paper on “AI Actionability Over Interpretability”

    Today, I shared a working paper titled “AI Actionability Over Interpretability” on Substack and LinkedIn. I propose taking a pragmatic approach to risk managing and building trust in generative AI. Instead of trying to understand and interpret AI model calculations, we should structure their use so that actionable fixes can be made when things go… Continue reading

    Publication
    AI, artificial-intelligence, chatgpt, CoP, CoT, interpretability, LLM, model risk management, technology
  • September 11, 2025

    Presentation on “AI-Enabled Agility: Reimagining Central Banks”

    On September 9 in Kuala Lumpur, Malaysia, I gave a presentation and participated in a fireside chat at SEACEN’s “High Level Course on Leadership in the Age of AI: Empowering Central Bank Leaders”. My presentation focused on the challenges facing central banks today and how AI can help to meet them, as summarized in this… Continue reading

    Conference, Fireside
    agility, AI, central banking, cybernetic
  • August 29, 2025

    Fireside with the American Fintech Council

    On August 28, 2025, I had a fireside chat with Phil Goldfeder, CEO of the American Fintech Council. We discussed innovation and regulation. I shared several war stories from the 2008 GFC and my tenure at the OCC to provide perspective on the topic. We also discussed current events and the outlook for finreg. Continue reading

    Fireside
    fintech, innovation, regulation
  • August 29, 2025

    Keynote Panel on “An Increasingly Uncertain World” for PIDM

    On August 26, 2025, I joined a keynote panel titled, “An Increasingly Uncertain World,” hosted by the Malaysian deposit insurance authority, PIDM. The panel was moderated by Jessica Chew, Technical Advisor and former Deputy Governor of Bank Negara Malaysia, Malaysia’s central bank . I was joined by Tan Sri Shahril Ridza Ridzuan, Chairman of Standard… Continue reading

    Conference
    America First, international cooperation, resolution
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About Me

I am a former financial regulator with experience spanning the OCC, Federal Reserve, IMF, Treasury, and SEC. Most recently I was Acting Comptroller of the Currency.

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UPCOMING EVENTS

Feb 25-27 GFTN Tokyo (Tokyo, Japan)
Mar 19 GMU Third Annual Financial Services Symposium (Arlington, VA)
Apr 7-8 Bank of North Dakota B3 Conference

May 19-21 EMERGE (Atlanta, GA)



Recent Posts

  • Roundtable on “Simplifying Compliance: Cleaning Up Policy Sludge with Trained AI Tools”
  • Presentation on “The Policy Challenges of Digital Banking and Financial Services”
  • Panel on “Shadow Money”

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