State Law Preemption and Interest Rate Exportation: What Banks and FinTechs Need to Know Now

Financial Services attorney Danielle Reyes will participate in the Conference on Consumer Finance Law's (CCFL) 2026 Fall Consumer Financial Services Conference, taking place at Texas A&M University School of Law. Danielle will talk about state law challenges to federal banking authority, focusing on the compliance and operational hurdles they create for banks and financial technology (FinTech) providers. Her presentation will example recent developments in federal preemption, interest rate exportation, and state Depository Institutions Deregulation and Monetary Control Act (DIDMCA) opt-outs, highlighting trends in litigation and financial regulation. She will also explain how these developments affect bank-FinTech partnerships, product offerings and risk management strategies for financial institutions and banking organizations.