The Banker Next Door

BND is focused on the U.S. Banking industry and how the industry intersects with finance, technology, and economics. Topics discussed can include all types of banking products and lines of business along with strategy, marketing, management, and leadership.

The Banker Next Door is a business podcast hosted by Unknown Host, with 400 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Unknown Host hosts The Banker Next Door, a business show with 400 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #857

  Is Beneficial Ownership Information (BOI) finally gone?

  Aug 21, 202616 min

  The Treasury department has ended reporting requirements for American small businesses know as Beneficial Ownership Information or BOI. The Treasury issued a final rule in the federal registry. The final rule also deleted all previously collected BOI information. Congress passed The Corporate Transparency Act in 2021, which required FinCEN to create a database that would collect BOI information on small businesses in the U.S. In classic congressional style you have to pass the bill to know what is in it! After American small business owners discovered this new data collection and realized that it was unconstitutional, as the suit brought by NSBA proved, the pushback began. Treasury killed the database from FinCEN, but banks are still required to collect BOI on their customers. This has not completely gone away. A new administration could resurrect this database idea. This episode reviewed an article from The Business Journals (subscription required) titled “Trump admin ditches small business reporting mandate” and a press release from FinCEN. A link to the FinCEN press release is included below. Link: FinCEN Permanently Ends Beneficial Ownership Reporting Requirements for Millions of Small Business Owners | FinCEN.gov

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  Episode #856

  Big Tech AI spending has gone off the rails!

  Aug 20, 202617 min

  The off-balance sheet lease commitments and purchase commitments for Meta, Google, Microsoft, and six additional companies are almost $3 trillion dollars! These commitments far exceed their current CAPEX spending, which has already turned free cash flow negative. How are these commitments financed? Meta’s Hyperion data center is used as an example. Meta partners up with Blue Owl (yes that Private Credit darling) in a special venture, then Beignet Investor (holding company that owns Blue Owl Stake) raises the construction financing in the form of a bond sale. Meta, as the minority partner, is also the tenant of the data center. Meta lease payments provide the cash flow to make payments to bond holders. Meta signs a 20-year lease but does not list this as an existing lease obligation until it starts paying rent. The problem with these deals is that all these companies are betting on future cash flows that may not materialize and their free cash flow is already negative BEFORE these obligations hit the balance sheet. Can you say overextended! This episode reviewed an article from The Wall Street Journal (subscription required) titled “Why Big Tech’s AI spending is $3 Trillion Higher Than It Seems.”

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  Episode #855

  Bank News: NY & Illinois M&A, Bunq & Zerohash are rejected, and FedNow wins!

  Aug 19, 202620 min

  Bank News: HomeTrust Bancshares to purchase Blue Ridge Bank for $448.1M in stock. HBT Financial to acquire First State Bank for $204.6M. Citibank to acquire rewards platform Kard Financial to increase its consumer cards business. World Liberty Financial has received conditional approval from the OCC for a national trust bank charter. The bank will issue and manage its own stablecoins. Sezzle has decided to switch from pursuing an ILC bank charter to a national bank charter. OCC returns Zerohash’s charter application after finding significant regulatory concerns. Bunq is rejected for an OCC bank charter after the regulator stated operations would be inadequately capitalized, its management inexperienced, and profit goals unrealistic. Custodia continues to whine about not getting a Fed master account. U.S. Bank warns investors about possible negative impacts from debanking inquiries. First Guaranty Bank agrees to FDIC consent order. The Federal Reserve is seeking to make amendments to their FedNow service to speed cross-boarder transactions. This episode examined a series of articles from Banking Dive.

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  Episode #854

  BND: Strategy Room Bonus - 7 major issues in the AI world

  Aug 18, 202629 min

  This video is a clip from BND: Strategy Room Live Stream on August 16, 2026. There are currently seven major issues in the world of AI. 1) Price war – pressure from China’s AI models and chips, Anthropic busted changing plans and prices. 2) Models out of control causing havoc – OpenAI, Anthropic, and Meta all had models breaking out. 3) Government oversight and potential regulation. 4) Data center push back. 5) Circular financing ring – increasing cost of chips – Nvidia and OpenAI. 6) IPOs – Anthropic and OpenAI. 7) Questionable accounting and employee departures.

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  Episode #852

  Why is there a shortage of accountants?

  Aug 17, 202611 min

  A shortage of accountants is beginning to cause disruption with bank and corporation financial reporting and internal controls. The accounting shortage is becoming more widespread after the number of practicing accountants has declined 17% from the profession’s employment peak in 2019. What can banks and corporations do to address this? Try outsourcing certain functions and focusing on AI and Automation. Don’t forget to maintain guardrails. This episode examined a blog post from PCBB titled “The Accountant Gap: Reshaping CFI’s Financial Reporting.” A link to the blog post is included below. Link: The Accountant Gap: Reshaping CFIs' Financial Reporting

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