Sponsor banking, or banking as a service, is a unique opportunity for banks — but it requires strategy, discipline and a laser focus on risk. On the latest episode of the ABA Banking Journal Podcast, Amanda Swoverland, president of Hatch Bank, discusses her bank's strategy in BaaS. Among other topics, Swoverland talks about:

• Hatch Bank's evolution as a sponsor bank focused on embedded lending and card issuance.
• How boards of directors and bank management teams can evaluate strategy for sponsor banking.
• The importance and scope of due diligence with fintech partners.
• A recently announced partnership with a fintech firm that provides private student loans focused on upperclassmen and grad students who are approaching completion of their degrees.
• Her career journey from enterprise risk management in banking through leading compliance for a fintech startup to president of a bank.
• The experiences she brought from fintech into her newest banking role.

• Register for ABA's Risk and Compliance Conference.

On the latest episode of the ABA Banking Journal Podcast, Rob Nichols offers his top takeaways from the ABA Washington Summit — including industry unity on stablecoin regulation, credit card policy challenges, federal preemption, and bipartisan legislation on fraud. Nichols also previews his upcoming travel to Vienna for the United Nations' Global Fraud Summit.

• Catch sessions from the 2026 Summit.

Major tech platforms make billions of dollars from scammers who advertise on their sites, according to reporting from Reuters, and there's not much incentive for them to change their practices — yet. Sens. Ruben Gallego (D-Ariz.) and Bernie Moreno (R-Ohio) have introduced the SCAM Act, which would take steps to tackle these scams. ABA strongly supports the SCAM Act, and on this crossover episode of the ABA Banking Journal Podcast and ABA Fraudcast, Paul Benda discusses:

• How the SCAM Act would introduce new know-your-customer and takedown requirements for tech platforms.
• Why there aren't sufficient existing incentives for platforms to deal with the deluge of scam ads.
• Enforcement mechanisms that give teeth to the SCAM Act's requirements.
• How ABA's advocacy on this issue fits into the association's overall anti-fraud agenda