José Gabilondo (@JMgabilondo) is a professor of law at Florida International University, where he writes about banking, finance, and Cuban legal studies. He has worked in financial market regulation at the U.S. Securities and Exchange Commission, the Office of the Comptroller of the Currency, the U.S. Department of the Treasury, and the World Bank. He is the author of Bank Funding, Liquidity and Regulatory Capital (Elgar, 2016) and coauthor of Corporate Finance: Debt, Equity, and Derivative Markets and their Intermediaries (West Academic, 2017). His recent research has defended the Fed’s post-crisis transformation into a market maker of last resort, analyzed funding models for financial intermediaries, and supported Cuba’s claim against the United States for embargo losses. He has appeared on CNN and MSNBC and is a nationally recognized commentator in the Spanish-language media on legal and financial matters.