Tech On Reg Podcast

2024 Election: What Does it Mean for Financial Services and Tech?

Thu, 21 Nov 2024 20:20:06 +0000

On this episode, Dara is joined by two top financial services lobbyists from each side of the aisle, Peter Freeman of FS Vector and Izzy Klein of Klein/Johnston Group, to do a post-election breakdown and discuss what the outcome means for financial services, fintech and technology regulations.

Federal Privacy Legislation? For Real?

Thu, 02 May 2024 17:31:05 +0000

In this episode, Dara discusses the history of the U.S. attempts at federal privacy legislation and the newest bipartisan bill being proposed. What are the obstacles and likely objections to the proposal? Will anything actually get done in an election year? Dara and James discuss these topics and more.

Breaking the Future

Mon, 25 Mar 2024 16:21:54 +0000

SXSW is a safari to the future according to Todder Moning, Lead Futurist at U.S. Bank. But, as Mike Bechtell, Chief Futurist at Deloitte, pointed out in his Fintech House fireside last year: futurists are always wrong.

Why attempt to predict the future if you are likely to be wrong?

This year Todder and Eric Schurr, Chief Strategy Officer at Sunrise Banks and host of the Social Currency podcast at Provoke.fm, have a fireside chat with Dara Tarkowski, Founder of Actuate Law and host of the Tech on Reg podcast, about which rules to break and which to keep when thinking about the future. From large bank to small, both use the tools of Foresight to gain a competitive advantage when thinking about a future, even when it is likely wrong. Listen in to learn how to break out of your current mindset and preconceptions, including Todder’s favorite: Future Safaris.

CannaBiz: Recreation and Regulation

Tue, 28 Feb 2023 18:48:27 +0000

Joined by Michael Johnson, CEO of Metrc, we discuss the evolution of regulation in the Cannabis industry. Metrc is a leading platform to track and trace cannabis from seed to sale which allows distributors to maintain compliance across multiple states. As legalization across the country unfolds, technology will be the key to efficiency and compliance.

Biometric Signatures: The Digital Dotted Line

Tue, 07 Feb 2023 18:52:22 +0000

We sit down with Matthew Gibson, Co-Founder and CEO of Syngrafii, to discuss the digitization and compliance of signatures. Syngrafii has changed the landscape of biometric signature capabilities through virtual signing rooms, secure e-signature links, remote pens and more. While compliance and safety are the main concerns of digital signatures, Matthew tells us how Syngrafii is tackling those challenges head on.

Retirement Planning and Cryptocurrency: Not your Average 401K

Tue, 24 Jan 2023 17:47:00 +0000

ForUsAll is the first 401 K platform to offer access to cryptocurrency in retirement planning. We sit down with David Ramiriez, CEO of ForUsAll, to talk about investment portfolios, retirement planning, Cryptocurrency entering the industry and what impact this has for regulations on digital assets.

Navigating the World of Sex-Tech

Tue, 03 Jan 2023 20:44:23 +0000

We welcome Soumyadip Rakshit, Co-Founder and CEO of MysteryVibe. MysteryVibe is a sexual health company that produces smart vibrators toys that address major sexual health issues such as erectile dysfunction, dryness & pain during intercourse. While the health benefits of sexual stimulation are clear, navigating the sex-tech space as a start-up has proven to be quite challenging. From investing to advertising, we learn how MysteryVibe is paving the way for technology and sexual health.

Disruption in the Brokerage Industry

Tue, 11 Oct 2022 14:41:48 +0000

We welcome Federico Baradello, CEO and Founder of Finalis, to discuss disruption in the brokerage industry. Finalis is a platform that helps private securities brokerages to operate legally and compliantly. As technology grabs hold of the finance industry, how can companies be proactive and solve functional problems?

Emotional Decision-Making: Measuring the Human Response

Tue, 16 Aug 2022 15:50:23 +0000

Beni Gradwohl, Co-founder and CEO of Cognovi Labs, joins us to explore emotional artificial intelligence. Cognovi Labs is dedicated to leveraging technology to measure human emotion through an artificial intelligence platform to understand and measure emotional responses. But, if artificial intelligence can measure and even predict human emotional responses, can we influence the masses for the greater good?

Risky Business or Risky Intelligence?

Tue, 02 Aug 2022 15:26:35 +0000

We sit down with Amanda Cohen, Director of Products at Resolver to talk about our favorite, Reg-Tech, and risk management. Resolver is changing the landscape of risk management by analyzing risk data in context to use risk as a strategy in business development. By leveraging technology like Resolver, modern businesses are now able to keep a pulse on the regulatory market and transform into risk-intelligent entities.

Debt Collection for the Digital Age

Tue, 14 Jun 2022 13:15:47 +0000

We welcome Tim Collins, Chief Customer Officer at Indebted, to talk about a modern way of collecting debt. In a historically client focused Industry, debt collection is shifting to the digital world with companies like Indebted that are shifting the focus from client to customer. Digitizing the debt collection customer experience has paved the way for efficiently managing outstanding accounts and debt recovery.

Decentralizing the Energy Industry

Tue, 31 May 2022 16:00:00 +0000

Colin Gounden, CEO and Co-founder of VIA, joins us to discuss the future of the energy industry. The energy industry, and the data within it, are heavily regulated by the government, which has made it extremely difficult to come up with solutions to improve energy infrastructures across the world. VIA was founded in 2016 to help address this problem by using blockchain and AI to analyze data while keeping it private. Could decentralizing data be the answer to clean energy?

Marketing and AI: The Power of Consumer Data

Tue, 17 May 2022 14:33:29 +0000

We welcome John Wall, Partner and Head of Business Development at Trust Insights, to help us understand how to gather and use marketing data in a compliant and measurable way. We talk through data collection, privacy regulation (or lack thereof), and how companies are using these to market to consumers. But, when it comes to gathering personal information and marketing data, how far is too far?

Automation and Compliance: A match made in heaven?

Tue, 03 May 2022 15:14:55 +0000

We sit down with Evgeny Likhoded, CEO of Clausematch, to address regulatory compliance and how to make it more manageable using technology. SaaS solutions have been very limited in serving the needs of regulatory compliance, but we have seen companies like Clausematch take this challenge head-on to answer the burning question, can you stay compliant with artificial intelligence?

Pathways to Liquidity: How to Manage Your Digital Assets

Tue, 19 Apr 2022 13:39:05 +0000

We sit down with Jeannette Spaulding, CEO of Inveniam Asset Management to talk about investing in crypto assets and blockchain. Inveniam Asset Management monitors crypto assets using cutting edge technology to analyze and measure the volatility of cryptocurrency, opening the door for other use cases for blockchain.

Law and Innovative Tech: Work Smarter, not Harder

Tue, 05 Apr 2022 18:00:00 +0000

We bring back Joseph Borstein, Co-Founder of LexFusion, to give us an update on the adoption of Alternative Legal Service Providers and how the legal space started to incorporate innovative tech to work more efficiently. Catch him on our last episode together, “Pick Up the Pace Already: Speeding Law’s Adoption of Innovative Tech” aired November 10, 2020.

The New Way of Debt Collection

Fri, 25 Mar 2022 12:40:27 +0000

We sit down with Cody Owens to talk about the new way of debt collection through streamlined technology service, Equabli. Using predictive modeling, Equabli takes consumer behavior and strategizes how best to engage in debt collection.

A ChatBot with a Brain

Tue, 01 Mar 2022 19:00:00 +0000

On this episode, Dara takes a deep dive on the evolution of artificial intelligence with Peter Voss, founder of Aigo. We discuss the new term “Artificial General Intelligence”, how to measure it, and the future of personal assistants, Chat- Bots with brains.

How Do You Regulate an Algorithm?

Tue, 15 Feb 2022 19:00:00 +0000

On this episode, Dara sits down with Dr. Eric Daimler, founder of Connexus and Presidential Innovation Fellow during the Obama administration, to discuss the biggest dangers lurking in AI, the first ever spin-out from MIT’s math department and how its addressing today’s AI challenges, and Eric’s views on how the heck we go about trying to regulate an algorithm.

What Have the Regulators Been Up To?

Tue, 01 Feb 2022 19:00:00 +0000

On this episode, Dara sits down with Manny Newburger, Adjunct Professor of Consumer Law at UT Austin School of Law and VP of Barron and Newburger, to discuss what the CFPB and FTC have been up to the last few months. From the “Holder Rule” to credit reporting and fascination with Buy Now Pay Later, Dara and Manny break down some complex topics and make some predictions for what regulation and enforcement will look like into 2022 and beyond.

Regulation & Innovation in California

Tue, 18 Jan 2022 19:00:00 +0000

The California Department of Financial Protection and Innovation (DFPI) officially launched in 2021. Already dubbed the “mini-CFPB,” on this episode, Dara speaks with two experts and California natives – Mark Naiman, a member of the DFPI’s advisory board and financial services professional and Lauren Valenzuela, regulatory counsel at Actuate Law. We discuss the vision for the DFPI, who they are regulating, what they are innovating, developments over the past year, and what it’s going to be like for businesses who operate in California in the future.

What’s up with Web 3.0?

Tue, 05 Oct 2021 14:01:40 +0000

Recent discussions around data privacy, “fake news”, bots, – not to mention the almost daily revelations about hacks, data and identity theft, have MADE IT CRYSTAL CLEAR that today’s Internet has some serious defects.Today it is not the Internet, but the social media platforms, search engines, e-commerce sites or financial institutions built on top of it, that provide us with our online identities, hold our personal data, and act as gatekeepers of information. On this episode, Dara is joined by James Parillo, GM and Lion Tamer at Figment.io – an organization whose mission is to support the adoption, growth and long term success of the Web 3 ecosystem and make it simple to build on the next generation of blockchain technology. Dara and James discuss the history of the internet, what to expect from Web 3.0, and how Web 3.0 can address the privacy and security concerns plaguing today’s web.

The Fintech Diversity Radar

Tue, 21 Sep 2021 15:00:00 +0000

Diversity, equity and inclusion remain challenging for the fintech community and financial services as a whole. Despite significant strides and efforts being made over the years, the COVID-19 pandemic has unquestionably impacted women in the workplace disproportionately. This week, Dara is joined by Angela Yore, to discuss findexable’s Fintech Diversity Radar, what the study hopes achieve and how we continue to address these important issues in the new normal.

2021 SexTech Update

Tue, 07 Sep 2021 15:00:00 +0000

SexTech has seen a massive acceleration in our post pandemic world. Slowly but surely, the industry is moving from vice to mainstream, though the regulatory environment, existing laws, and pre-conceived notions and biases continue to be obstacles. For Tech on Regis fall season opener, Dara is joined by returning guest, Dominique Karetsos, for her take on the future of SexTech, recent progress and achievements in the Healthy Pleasure Group Lab and how we continue to push the industry into the mainstream.

AI Regulation – What is the EU up to?

Fri, 28 May 2021 15:25:48 +0000

The ethics of artificial intelligence has been a hotly debated topic for years. With the data science community often torn about the proper uses of AI, many industry participants are left scratching their heads. Until recently, there has been little to no regulatory oversight of the technology. Enter the EU. On this episode, Dara is joined by Clara Durodie, Oxford phD and renowned AI author and thought leader to discuss the European Union’s recent proposed AI regulations and share her perspective on what this means for industry and innovation.

Crypto Opportunity Zones

Wed, 05 May 2021 17:47:32 +0000

So what does crypto have to do with opportunity zones? Join host Dara Tarkowski, guest host Randy Rivera, executive director of FinTEx and co-founder of keen advisors and Jimmy Odom, co-founder of Bit Capital Group to discuss the current state of the crypto markets, the future of blockchain, and some new investment opportunities and incentives available through qualified opportunity zones through qualified opportunity funds – with some spirited debate along the way.

What’s so nifty about NFTs?

Tue, 06 Apr 2021 15:15:29 +0000

NFTs, or non-fungible tokens, are presently all the rage. Is this newest blockchain application the future of collection and distribution of digital assets or just more hype? Blockchain professor, Lamont Black, of DePaul University joins host Dara Tarkowski to discuss just that. What is an NFT? What do you actually own? How will the regulators treat this new asset? Commodity? Security? Substituted value? It depends. Listen now to learn more.

Robinhood, Reddit and the SEC – Whats the Impact?

Tue, 16 Mar 2021 22:18:49 +0000

What do you get when you combine determined retail investors on Reddit, hedge funds and an easy to use trading app? Look no further than the GameStop trading frenzy of January 2021. On this episode, we unpack the events that led to Robinhood’s suspension of trading activity, the Congressional testimony and to-be-expected inquiry from the Securities Exchange Commission. What will the regulatory impact be? What does this mean for fintech? Jennifer Tescher and Carl Volz help hash it out.

Payments and Patent Trolls

Wed, 24 Feb 2021 13:55:29 +0000

Many of us have heard the term. Fewer of us know about how the cottage industry of patent trolls operate. Dara sits down with Michael Switzer, Head of the Intellectual Property practice group at Actuate Law, to discuss some recent trends we’re seeing in the payments space and how organizations and industry can fight back against costly litigation.

The Promise of Synthetic Data

Tue, 09 Feb 2021 19:00:00 +0000

Is synthetic data the silver bullet for our growing list of struggles with the massive amounts of data we create? Join Dara Tarkowski as she hosts Nicolai Baldin, CEO and Founder of Synthesized.io, a UK based company who has built a one-stop data sandbox powered by AI. Does synthetic data provide users with the true essence of data without the regulatory headaches, privacy concerns and worry about bias?

Crypto Markets and Regulation – 2021 and Beyond

Tue, 26 Jan 2021 18:14:38 +0000

What does 2021 have in store for Bitcoin and crypto assets? Will the regulatory environment finally allow us to fully embrace this market and technology? On this episode, Dara Tarkowsku hosts Colleen Sullivan, Co-Founder and CEO and CMT Digital, who operates a crypto asset trading desk and has invested in numerous blockchain and crypto asset ventures, to discuss recent rulemaking, new regulators and regulatory agendas, and the future of crypto markets as we look to 2021 and beyond.

2020 Regulatory Roundup

Wed, 23 Dec 2020 19:25:08 +0000

What were some of the most interesting regulatory observations from 2020? What can we expect from 2021 and a transition to a Biden administration? In our last episode for 2020, join Dara and as she discusses these topics with Joann Barefoot, CEO of Alliance for Innovative Regulation and Jason Henrichs, CEO of Alloy Labs Alliance.

A Hacker and A Lawyer Talk Data Privacy in the Age of Covid

Tue, 01 Dec 2020 19:52:05 +0000

Did you know your personal health information is worth way more on the dark web than your financial information? On this episode, Dara talks with Alissa Knight, renowned hacker, investor and entrepreneur to discuss vulnerabilities of APIs, what that means for the world of telemedicine, and steps organizations should be taking to keep customer information safe.

Pick Up the Pace Already: Speeding Law’s Adoption of Innovative Tech

Tue, 10 Nov 2020 18:08:41 +0000

Dara Tarkowski hosts Joe Borstein, legal innovation veteran, investor, and co-founder of LexFusion, a company that Joe believeswill change the way law firms and legal departments purchase technology — and thereby turbocharge the adoption and use of innovative technologies in an industry traditionally hostile to change. They discuss the changing legal innovation industry, what Jow is seeing in the market and how LexFusion wants change the model of technology adoption for this highly regulated industry.

Fintech Innovation During COVID-19

Tue, 27 Oct 2020 21:04:39 +0000

This special episode highlights some of the incredible work the fintech community has undertaken to serve consumers and small businesses during COVID-19. Join a conversation with Abe.ai, Cross River and Envestnet Yodlee to discuss some groundbreaking work that has earned organizations recognition at the Benzinga Global Fintech Awards powered by Envestnet Yodlee.

Markets and the 2020 Election: Finding Calm Amidst Conflict and Chaos

Tue, 13 Oct 2020 16:37:57 +0000

As the U.S. barrels towards the final stretch of the 2020 presidential election, chaos, conflict and questions abound. How will a divided versus unified government impact the regulatory environment? What happens to markets, the technology sector and fintech in particular if one party sweeps all three branches? On this episode of Tech on Reg, host Dara Tarkowski games out possible scenarios with Gary Rozier, Managing Director of Oak Street Real Estate Capital and, prior to that, the Senior Vice President of Institutional Marketing at Ariel Investments. Together they explore the election’s effect on markets, managing political gridlock and why there is room for optimism no matter which party wins in November.

Consumers Caught in a Whirlwind? CFPB and Innovation Post-Election

Tue, 29 Sep 2020 22:57:40 +0000

This month the CFPB filed suit against Encore Capital Group, five years after the company became subject to a consent decree. Was this a political move by the director or simply CFPB enforcing the rules? The CFPB’s Office of Innovation has grown leaps and bounds since 2016. Why and will that change if the White House switches leadership in November? On this episode of Tech on Reg, Dara Tarkowski chats with attorney Joann Needleman of Clark Hill PLC about consent decrees, 10 years of Dodd-Frank and whether an archaic financial framework can handle what will soon become the largest transfer of wealth the country has ever seen.

What the Avant / Marlette CO AG Settlement Means for the Future

Tue, 15 Sep 2020 22:41:23 +0000

On this episode of Tech on Reg, Dara discusses the long-awaited settlement between Avant and Marlette Funding and the Colorado Attorney General. Among other things, the AG’s lawsuit centered around the relationships between these online lenders and the banks funding the loans originated on the platforms and questioned who the “true lender” really was. Dara is joined by Mary Jackson, CEO of the Online Lenders Alliance, and Ed Gehres, an experienced financial services and fintech attorney. We dive into the settlement and explore what it means for the entire financial services industry. Will other states follow suit and what will this mean for fintech/bank lending partnerships? Tune in to find out.

Dear Male Lawyers: Speak Up

Wed, 02 Sep 2020 17:21:04 +0000

U.S. District Judge James Donato’s recent decision to decline the appointment of a list of all male lawyers to lead a class action lawsuit sent a much-needed jolt through the industry this summer. Law firms may tout diversity, equity and inclusion in their glossy brochures. But the numbers and pay inequality speak to a different reality for many women. How can we convince those in power, who are mostly men, to view gender parity as a competitive advantage? How much of our efforts should be spent on encouraging men to identify disparities and speak up? On this episode of Tech on Reg, I discuss this and more with one of my early mentors, attorney and change-agent Nicole Auerbach of ElevateNext Law and Valorem Law Group.

Sponsor: Envestnet Yodlee

Voice Isn’t Dead – How AI is Changing The Call Tech Game

Tue, 18 Aug 2020 16:25:07 +0000

Consumers today expect call technology to feel human and easy. Are businesses up for the challenge and can they implement Voice AI in a way that keeps regulators from knocking on their doors? On this episode of Tech on Reg, Dara speaks with Jim Freeze, CMO of Boston-based AI company Interactions, about how call technology increases profitability and mitigates risk. A conversational experience that makes customers happy and meets compliance needs: find out if human assisted Voice AI delivers on that promise.

Out of The Weeds: How To Get Smart About Cannabis

Tue, 04 Aug 2020 17:28:00 +0000

Find cannabis laws and regulations confusing? Guess what: it’s not you. From seed to sale, federal, state and municipal governments create different frameworks and those who learn how to navigate the system win. How can businesses and investors get it right without wasting time and money? How can governments use data to make policy? Dara Tarkowski breaks it down with guest Amanda Ostrowitz, Chief Strategy Officer at Fyllo, and founder of RegTech, CannaRegs, on this episode of Tech on Reg.

The CFPB’s Wild Ride – What Does the Future Hold?

Tue, 21 Jul 2020 16:32:56 +0000

On this episode, Dara is joined by two former CFPB professionals. Professor Paul Kantwill, Distinguished Professor at Loyola University Chicago School of Law and former Assistant Director of CFPB and Dr. Ling Ling Ang, Associate Director at NERA Consulting and one of the CFPB’s first economists. We tackle the Seila Law decision and what it means for the future of the agency, rulemaking, the Office of Innovation, and what’s to come in the agency’s tumultuous ride.

The Financial Industry Reckons with Racism: Now What?

Tue, 23 Jun 2020 21:00:00 +0000

Dara Tarkowski hosts three diverse financial services professionals to tackle the subject of diversity and inclusion in financial services. Gary Rozier, Oak Street Real Estate Capital LLC, Bevon Joseph, Co-Founder of The Greenwood Project, and Randy Rivera, Executive Director of FINTEX, each share their unique perspectives on what it means to be a person of color in the financial services industry, what’s being done to foster change, and share insights on how to make meaningful change within the industry.

Student Debt Isn’t Colorblind

Tue, 09 Jun 2020 18:29:50 +0000

Dara Tarkowski welcomes guest host Randy Rivera, Executive Director of FinTEx, for a discussion with Daniel Rogers, Founder of Fintech student loan company AM Money, to discuss the systematic and institutionalized challenges that students of color face when financing the pursuit of higher education, despite laws and regulations designed to prevent predatory and discriminatory lending, and how AM Money is aiming to solve the problem.

Forget Zoom – This is the SexTech Boom

Wed, 27 May 2020 16:13:38 +0000

The past months in quarantine and isolation have resulted in sextech companies seeing a surge of sales, clicks, and downloads. Many say sextech is paving the way for how to responsibly share and protect personal health information. Dara sits down with Dominique Karetsos, CEO of the Healthy Pleasure Group, who went from marketing executive and fintech investor to sextech, or in her words “sexual health and wellness technology” expert. This episode navigates the current sextech boom, current regulatory and investment challenges and opportunities in this growing technology sector.

The Case of Cloudcase

Tue, 12 May 2020 19:08:42 +0000

Dara Tarkowski chats with Roger Manu from Australia-based automation experts Cloudcase, where they discuss the rapidly evolving landscape of automation and digitization prompted by both the pandemic, good business sense and a compliance need.

Going Digital: AI in Collections

Tue, 05 May 2020 17:00:44 +0000

This episode explores what one company, TrueAccord, is doing to harness the power of AI in collections, what a digital strategy means for receivables companies, and what impact (if any) the CFPB rulemaking may have on companies “going digital.”

How AI is Transforming Financial Services

Tue, 07 Apr 2020 15:56:40 +0000

Dara Tarkowski hosts Clara Durodié to talk Artificial Intelligence, the disruption it has caused and the how it will transform the future.

Covid 19 – A Catalyst for Innovation

Tue, 24 Mar 2020 18:00:10 +0000

Dara Tarkowski hosts Randy Rivera, Executive Director of FINTEX, to discuss the changes happening around us, how the FinTech Ecosystem is responding (and helping), and whether #COVID-19 will be a catalyst for #innovation.

Open Banking: Is the U.S. Regulation Ready?

Sat, 14 Mar 2020 01:57:53 +0000

Dara Tarkowski hosts Brian Costello of Envestnet | Yodlee to discuss the current state of open banking in the United States! What does our regulatory environment look like? What should it look like?

A Receivables Tech Entrepreneur

Tue, 11 Feb 2020 19:00:10 +0000

Dara Tarkowski hosts Adam Parks to talk accounts receivables recovery and the management of debt.

Privacy & Security: State of the States

Tue, 28 Jan 2020 18:28:25 +0000

Dara Tarkowski hosts Martin Tully of Actuate Law as they discuss privacy and security and all of the new legislation being enacted in our country!

Digital Identity

Tue, 14 Jan 2020 18:57:00 +0000

Dara Tarkowski is joined by David Birch as they discuss what David describes as the MOST important topic in regards to FinTech!

Meet the Company Building Robot CFOs

Wed, 18 Dec 2019 00:54:54 +0000

Dara Tarkowski is joined by Fady Hawatmeh to talk about the innovations happening at Clockwork!

What Apple Card Means for the Future of AI Regulation

Tue, 03 Dec 2019 18:00:03 +0000

Dara Tarkowski is joined by Ron Shevlin to talk changing regulation as Apple Card comes into play!

Lets Talk About SexTech

Tue, 19 Nov 2019 18:57:50 +0000

Dara Tarkowski is joined by SexTech Lawyer Maxine Lynn to talk sex toys, sex dolls, and the regulation and security of the growing SexTech industry!

Care is More Than Compliance

Tue, 05 Nov 2019 20:34:41 +0000

Host Dara Tarkowski sits down with Denyette DePierro to talk the importance of Cybersecurity and how to avoid getting hacked!

Get Ready for More Robot Lawyers

Tue, 22 Oct 2019 17:43:01 +0000

Host Dara Tarkowski sits down with Dan Linna to talk the intersection of Law & Tech!

The Bias in AI Isn’t So Artificial

Tue, 08 Oct 2019 17:37:48 +0000

As we hear more and more about the expanding uses and applications for artificial intelligence, lets pause to consider how in solving for one set of problems, are we exacerbating others? Whether its pre-existing, technical or emergent bias, what we know its that algorithmic bias is real and rooted in a few different areas. With flaws in both design and data, how do we eliminate the bias in AI? Ghela Boskovich and Dara Tarkowski tackle the topic in this episode of Tech on Reg.