Melissa Koide is the CEO of FinRegLab, a new organization that leverages technology solutions to achieve public policy aspirations, address regulatory goals, and drive the financial sector towards an inclusive financial marketplace. FinRegLab provides an independent platform for policymakers and regulators, technology and financial sector innovators, and consumer advocates to build an evidence-based understanding of new financial technologies and their impact on consumers and the implications for public policy.
Prior to establishing FinRegLab, Melissa served for four and one-half years as the U.S. Treasury Department’s Deputy Assistant Secretary for Consumer Policy where she developed and executed the Treasury Department’s consumer policies in the areas of credit, student loans, payments, savings, credit reporting, fintech, and financial inclusion. Melissa helped to build the first government offered preretirement savings product, the myRA, and she established the $5 million Innovation Fund to support research and strategies to improve consumers’ financial health and their access to safe and affordable financial products and services.
Melissa is currently a nonresident fellow at the think tank, the Urban Institute, and before joining the U.S. Treasury Department, she was the Vice President of Policy at the Center for Financial Services Innovation.