Management Advisory


Industry Research

G. Michael Flores, CEO of Bretton Woods, Inc., is a consultant and researcher who has studied financial services companies and consumer credit in general for close to 40 years, with a particular focus on “alternative” credit programs for the last 10 years.

He has written and published research papers on consumer credit in the United States and the United Kingdom, as well as papers on payments, including general-purpose reloadable and payroll prepaid cards. Based on these studies, he has testified before five House and Senate subcommittees and spoken to industry groups.

He is currently conducting research on access to banking services by state legal cannabis related businesses.

Listen to his webcast with Joann Needleman with Clark Hill.