Glen speaks with Andrew Warren about the Financial Health Network's new report which makes the case for modernizing the definition of underbanked consumers. Also- X Money makes its long-promised debut, and the OCC potentially rides to the rescue of interchange (and workable payment processes). Plus a discount code for May's fast-approaching EMERGE conference.

Links related to this episode:

• The Financial Health Network's latest 26-page "brief": Unbanked, Underbanked, or Something Else Entirely
• The Financial Health Network's EMERGE conference, May 19-21 in Atlanta: https://finhealthnetwork.org/event/emerge-financial-health-2026/
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• Ron Shevlin's take on the prospects for X Money- https://www.forbes.com/sites/ronshevlin/2026/04/17/musks-x-money-how-it-could-win-and-why-it-wont/
• Payments Dive on the OCC's move to short-circuit Illinois' Interchange Fee Prohibition Act: https://www.paymentsdive.com/news/occ-plans-to-preempt-illinois-interchange-law/817618/
• Our recent conversation with Ncontracts' Stephanie Lyon about the shifting regulatory environment, including interchange battles: https://www.big-fintech.com/the-states-of-financial-regulation/

If CU Unplugged's style of hands-on problem solving sounds like your cup of collaborative tea, check out our Innovation Club. This group of forward thinkers meets virtually each month, and our twice-annual in-person session is coming up in May. Reach out about a guest pass: https://www.big-fintech.com/innovation-club/

Follow us on LinkedIn:
https://www.linkedin.com/company/best-innovation-group/

https://www.linkedin.com/in/jbfintech/

https://www.linkedin.com/n/glensarvady/

Glen speaks with the CEOs of two sub-$100 million CUs (Josh Urbick and Doug Wadsworth) about their respective efforts to advance the small credit union cause. Also, the latest developments at Anthropic and Coinbase highlight the perils facing CUs- and financial services in general.

Links related to this episode:

• The NSCUA's LinkedIn page: https://www.linkedin.com/company/national-small-credit-union-association/
• The Endangered Small Credit Union Defense's LinkedIn group: https://www.linkedin.com/groups/14776042/
• CU Daily's coverage of the NSCUA's formation: https://thecudaily.com/new-group-for-cus-under-500-million-in-assets-unveils-its-name/
• Doug Wadsworth's Profitability Guidebook for Small CUs: https://www.amazon.com/dp/B0FP4D9FZM
• Doug's recent CU Daily article: https://thecudaily.com/you-cant-regulate-bad-managers-into-good-ones-but-you-can-do-this/
• Wellesley Hill's thoughtful analysis of Coinbase's new Federal Trust Charter: https://www.wellesleyhillsfinancial.com/2026/04/12/coinbase-wins-federal-trust-charter-what-it-means-for-crypto-custody/
• Reuters on the race for FIs to defend against threats posed by Anthropic's new capabilities: https://www.reuters.com/business/finance/bessent-powell-warn-bank-ceos-about-anthropic-model-risks-bloomberg-news-reports-2026-04-10/
• Our recent episode recapping CU Unplugged, including an interview with small CU CEO Maggie Sayer: https://www.big-fintech.com/mission-rock-accomplished/

Join us for our next CU Town Hall- Wednesday April 15 at 3pm ET/Noon PT- a live and lively interactive conversation tackling the major issues facing credit unions. The Town Hall is free to attend, but advance registration is required: https://www.cutownhall.com/

If CU Unplugged's style of hands-on problem solving sounds like your cup of collaborative tea, check out our Innovation Club. This group of forward thinkers meets virtually each month, and our twice-annual in-person session is coming up in May. Reach out about a guest pass: https://www.big-fintech.com/innovation-club/

Follow us on LinkedIn:
https://www.linkedin.com/company/best-innovation-group/

https://www.linkedin.com/in/jbfintech/

https://www.linkedin.com/n/glensarvady/

Glen recaps an action-packed CU Unplugged "un-conference," featuring unique perspectives from leaders of three participating credit unions (Keys FCU, Mid Hudson Valley FCU, State Department FCU) and real-time reflections from Defense Credit Union Council President & CEO Tony Hernandez.

Links related to this episode:

• Keys Federal Credit Union: https://www.keysfcu.org/
• State Department Federal Credit Union: https://www.sdfcu.org/
• Jonathan Cilley, CIO of Mid Hudson Valley Federal Credit Union: https://www.linkedin.com/in/jonathancilley/
• The Defense Credit Union Council: https://www.dcuc.org/
• Visa's Innovation and Market Support Center in San Francisco's Mission Rock Neighborhood: https://corporate.visa.com/en/sites/visa-perspectives/company-news/mission-rock-market-support-center.html
• Our recent stablecoin conversation with TruStage Managing Director Brian Kaas: https://www.big-fintech.com/stablecoins-and-ai-need-we-say-more/

Join us for our next CU Town Hall- Wednesday April 15 at 3pm ET/Noon PT- a live and lively interactive conversation tackling the major issues facing credit unions. The Town Hall is free to attend, but advance registration is required: https://www.cutownhall.com/

If CU Unplugged's style of hands-on problem solving sounds like your cup of collaborative tea, check out our Innovation Club. This group of forward thinkers meets virtually each month, and our twice-annual in-person session is coming up in May. Reach out about a guest pass: https://www.big-fintech.com/innovation-club/

Follow us on LinkedIn:
https://www.linkedin.com/company/best-innovation-group/

https://www.linkedin.com/in/jbfintech/

https://www.linkedin.com/n/glensarvady/