David Zaring on Skinny Charters and the Future of Banking

大卫·扎林论精简特许状与银行业的未来

Macro Musings with David Beckworth

2026-05-25

55 分钟
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David Zaring is legal scholar and professor at the University of Pennsylvania. In David's first appearance on the show, he discusses the role the Great Financial Crisis played in FinReg scholarship, how he came up with the term "skinny" in the new skinny Fed master accounts, the tumultuous road of Custodia vs. the Fed, a reimagined way to look at federal bank charters, whether commerce and banking are actually still separate, Fed independence and how it functions in a more corporatist model, and much more. Watch the full length video on our new YouTube Channel! Check out the transcript for this week's episode, now with links. Recorded on April 24th, 2026 Subscribe to David's Substack: Macroeconomic Policy Nexus Follow David Beckworth on X: @DavidBeckworth Follow David Zaring X: @ZaringDavid Follow the show on X: @Macro_Musings Check out our Macro Musings merch! Timestamps 00:00:00 - Intro 00:02:04 - The Great Financial Crisis and FinReg Scholarship 00:04:58 - David's Experience with Fintech Charter Litigation 00:17:18 - Skinny Charters 00:37:16 - How to Govern the Fed 00:55:10 - Outro
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  • Welcome to Macro Musings, where each week we pull back the curtain

  • and take a closer look at the most important macroeconomic issues of the past, present, and future.

  • I am your host, David Beckworth, a Senior Research Fellow at the Mercatus Center at George Mason University,

  • and I'm glad you decided to join us.

  • Our guest today is David Zaring.

  • David is a legal scholar and professor at the University of Pennsylvania,

  • where he works on, among other things, legal issues facing the Federal Reserve System.

  • Today, he joins us to discuss two big legal issues facing the Federal Reserve.

  • First, the issue of the Fed's skinny Fed master accounts and challenges to them,

  • as well as challenges to who governs and how is the Fed accountable to Congress and other entities.

  • David has written widely on both of these topics, and he joins us today to help shed light on them.

  • David, welcome to the program.

  • It's a pleasure to be here, David.

  • It's great to have you on.

  • Now, we recently crossed paths at a conference you helped organize at the University of Pennsylvania,

  • the Wharton Financial Regulation Conference.

  • And it was a real treat for me, a macro guy,

  • to be invited to hang out with the cool financial regulation scholars like yourself.

  • Peter Conti-Brown and others.

  • And Peter and I did a podcast there to kick the conference off.