Day 2 Agenda for TPPPA 2026 Solving the Payments Puzzle Conference

TPPPA 2026 Solving the Payments Puzzle Conference

Hilton Phoenix Tapatio Cliffs Resort

November 18th - 20th

View TPPPA 2026 Conference Agenda

Explore Day 2 of the

TPPPA 2026 Conference

Enforcement: What You Need to Know

Presented by Carlin McCrory, Associate Troutman Pepper Locke

This session examines recent enforcement activity affecting the payments industry, including FTC actions against payment processors and enforcement against large banks for BSA/AML failures. Carlin will walk through the FTC's key allegations, including processing payments for sham merchants, deceptive subscription enrollment practices, and inadequate oversight of sales agents. The session will then highlight notable developments in recent BSA/AML enforcement and close with practical takeaways to help attendees strengthen their compliance programs.

The Interconnected Fraud Web: How Modern Scams, ATO, and Identity Abuse Drive Cross‑Channel Financial Crime

Presented by Chris Schnieper, Federal Reserve Financial Services (FRFS)

Financial institutions face a growing landscape where scams, account takeover (ATO), and synthetic identity fraud are not only increasing but becoming deeply interconnected. As criminals blend social engineering, identity manipulation, and credential compromise, fraud patterns evolve in ways that are harder to detect and disrupt.

This session breaks down how these attack types reinforce one another, why they’re accelerating, and what institutions can do to counter them.

By the end of the session, participants will understand how traditional fraud vectors intersect, the forces driving their rapid growth, and practical steps institutions can take to strengthen their defenses.

2026 FTC Update

Presented by Benjamin Davidson, Attorney at Federal Trade Commission

The Federal Trade Commission (FTC) continues to maintain an aggressive Consumer Protection enforcement mandate during the second Trump administration. Recent enforcement actions include: Franchise/Business Opportunity Schemes; Deceptive Marketing and Pricing; Unauthorized Fees and Improper Subscriptions; Payment Processor Collusion/ Willful Blindness to Merchant Payments Fraud; Tech Support Schemes; Unfair Marketing Practices and more. Ben will speak to the group about recent consumer protection actions at the FTC as the primary Federal Consumer Protection enforcer.

The Hidden Layers of ACH: A Panel Discussion on

Nested Third-Party Senders

Presented by:

Sara Hentges from UMACHA

Dennis Feterl from First Premier Bank

Jordan Bennet from Nacha

Jamie Herbert from UMACHA

Nested Third-Party Sender relationships are becoming more common and more complex, creating new compliance and risk considerations throughout the payments ecosystem. This panel will explore real-world examples, oversight expectations, due diligence requirements, monitoring responsibilities, and lessons learned related to downstream ACH payment processors, helping attendees better understand the risks, obligations, and emerging challenges that exist beyond the first layer of an ACH payments relationship.

The Intent Gap: Why First-Party Fraud Breaks down When AI Agents Buy on Your Behalf

Presented by Monica Eaton, CEO of Chargebacks911 & Fi911

Card authentication confirms who transacted, not whether the consumer intended that specific purchase. As agentic commerce grows, this distinction is becoming the industry's next major dispute problem. Chargebacks911's 2026 Chargeback Field Report, surveying 250+ merchants, found that 74.4% now rate friendly fraud as a moderate or significant concern, up from 70% in 2024, with 83.4% of enterprise merchants reporting an increase. This session examines why existing first-party fraud and dispute frameworks assume direct cardholder action, what changes when consumers delegate purchasing authority to AI agents, and how dispute frameworks may need to evolve when authentication alone cannot establish intent.

Digital Assets as a New Payment Rail: A Practical Roadmap for Payment Processors and Sponsor Banks

Presented by:

Ethan Ostrolff, Parter at Troutman Pepper Locke

David Madrazo, Attorney at Troutman Pepper Locke

Digital assets are increasingly being used in payments. For third-party payment processors and the banks that sponsor them, that raises two questions. Does this rail route around the processor, or does it create new business for it? What does the law already require of each party in the chain, and what changes after the GENIUS Act takes effect on January 18, 2027? This session answers both in plain terms, starting with how a stablecoin payment works and what changes for the merchant and the consumer. Attendees will learn where the risks and the opportunities sit for processors and sponsor banks, including how merchant acceptance can work through an existing processor relationship, and what questions a board should ask before deciding whether and how to participate. The discussion ties a digital asset risk assessment to the controls that follow from it and offers a practical roadmap from lower-risk starting points to the activities that require additional licensing and a more extensive compliance program.

States’ Attorneys General Update

Presented by Michael Yaghi, Partner at Troutman Pepper Locke

Explore the role of state Attorneys General to enforce consumer protection laws with Federal government focused on other priorities, with a focus on consumer protection and the application of state unfair and deceptive acts and practices statutes, including relevant trends for financial institutions.

Cannabis and Hemp Update: The Status of Marijuana and Hemp Law and the Future of Legality

Presented by Jean Gonnell from Franz Ward

In this session we will explore the status and future of cannabis pertaining to current legality and potential illegality in the future on a federal and state level, including state legislation regulating hemp; potential effects of rescheduling; impending federal definition changes; and state trends for marijuana and hemp.