Bank Funding Conference: Bank Funding in the Age of Instant Finance

November 13, 2026

Dallas and virtual

Hosted by the Federal Reserve banks of Dallas and Boston

The third annual bank funding conference is a forum for policymakers, academics, bankers and practitioners to debate and discuss how technological change, new forms of money and evolving policy tools are reshaping bank funding and financial stability.

Agenda and speakers

7:30 a.m.	Registration and breakfast
8:30 a.m.	Welcome remarks Emily Greenwald, Federal Reserve Bank of Dallas
8:40 a.m.	Opening remarks Lorie Logan, Federal Reserve Bank of Dallas \| Read the remarks
9:10 a.m.	Session 1: Intersection of digital assets and bank funding: How will the funding landscape shift? With the growth of new products both within and outside of the banking system, this session will explore the implications for bank funding mix, composition and cost. Part 1—Paper session: Stablecoins, tokenized deposits and changing funding landscape Banks in the Age of Stablecoins: Some Possible Implications for Deposits, Credit, and Financial Intermediation Jessie Jiaxu Wang, Federal Reserve Board Banks in the Age of Stablecoins: Lessons from Their Historical Responses to Financial Innovations Sam Hempel, Federal Reserve Board Moderator: Kenechukwu Anadu, Federal Reserve Bank of Boston Part 2—Panel discussion: How are banks considering changes in the funding landscape? Joe Cox, Oliver Wyman Scott Frame, Bank Policy Institute Matt Scurlock, Texas Capital Bank Moderator: Kenechukwu Anadu, Federal Reserve Bank of Boston
10:40 a.m.	Break
11:00 a.m.	Session 2: The evolving payments ecosystem: How is innovation reshaping banking relationships, deposits and infrastructure? This session will explore how payment innovation is changing the relationship between banks and payment providers, and where corporate deposits and assets actually sit in the evolving ecosystem. Meg Berry, BNY Alex Gold, Column Corey Then, Circle Moderator: Amy Chapel, Federal Reserve Bank of Dallas
11:45 a.m. 12:15 p.m.	Lunch Fireside chat: Discount Window modernization with the director of the Federal Reserve’s Credit Risk Management Support Office Deborah Leonard, Federal Reserve Bank of Chicago Moderator: Emily Greenwald
1:15 p.m.	Session 3: Banking in the world of instant, 24/7 payments and settlement: How will it impact bank liquidity? This session will explore how transformation in the payment, clearing and settlement space—including 24/7 operations, tokenization, instant settlement and improvements to cross-border payments—could impact bank liquidity. Part 1—Paper session: The implications of 24/7 instant payments for bank liquidity and financial stability The Effect of Instant Payments on the Banking System: Liquidity Transformation and Risk-Taking Yiming Ma, Columbia University Settlement Speed and Financial Stability Jin-Wook Chang, Federal Reserve Board Moderator: Melissa Leistra, Federal Reserve Board Part 2—Panel discussion: Developments in the payments, clearing, and settlement landscape and the future of bank liquidity Martha Beard, JP Morgan Bernadette Ksepka, FedNow Christian Sabella, DTCC Moderator: Melissa Leistra
2:45 p.m.	Break
3:00 p.m.	Session 4: Fraud, resilience and operational risk in real-time finance: Can trust keep pace with speed? As banks evolve for the next framework of bank funding, this session will explore the integration of legacy systems, infrastructure needs and technology investment decisions, possible partnership models and risk management, and emerging threats in a real-time environment. Angelena Bradfield, Financial Technology Association Anders Brownworth, Radius Brian Cook, Charles Schwab Nick Elledge, Stablecore Moderator: Ally Hoffman, Federal Reserve Bank of Dallas
3:45 p.m.	Closing remarks Dan Anthony, Federal Reserve Financial Services
4:00 p.m.	Reception