Caitlin Conner

@caitlinconner

My Adversity Led To My Purpose CEO & Founder of Be More Adaptive Mom•Model•Athlete•Advocate•T-Rex Agent: Skin I'm In Model & Talent Agency

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Caitlin Conner@caitlinconner· 3d

Of course they did.

Caitlin Conner@caitlinconner· 26d

Today, I submitted my formal comment to the Secretary of the Board of Governors of the Federal Reserve in opposition to Docket No. OP-1878. Phew, that's a mouthful. I’ve been digging into the trajectory of our financial system, and what I’m seeing is deeply concerning. 👇

July 16, 2026
Benjamin W. McDonough, Secretary Board of Governors of the Federal Reserve
System 20th Street and Constitution Avenue, NW Washington, DC 20551
Re: Public Comment on Proposed Revisions to the Federal Reserve Policy on Payment System Risk and the Guidelines for Account and Services Requests, Docket No. OP-1878
Dear Secretary McDonough,
I am writing to express my strong and unequivocal opposition to the proposed revisions under Docket No. OP-1878 (Federal Reserve System, 2026). The Board of Governors must not establish a framework for "Payment Accounts" designed to grant direct core ledger clearing and settlement access—specifically through Fedwire, FedNow, and the National Settlement Service—to non-depository, non-federally insured Tier 3 financial institutions, fintech platforms, and digital asset or stablecoin issuers (Federal Reserve System, 2026). Rather than adjusting payment system risk policies to accommodate these structurally volatile entities, the Board must maintain an absolute and unbreakable firewall. Bypassing heavily supervised commercial bank intermediaries exposes the nation's core financial rails to severe systemic run contagion, cyber exploitation, and catastrophic compliance gaps. This opposition is not aimed at shielding legacy commercial banks from market competition or technological progress. Innovation in financial services must occur within the established, legally authorized charter frameworks that protect the public. If fintech platforms and digital asset issuers wish to innovate and settle payments directly at the central bank, they are entirely free to apply for a commercial bank or credit union charter, accept comprehensive federal supervision, and compete on a level playing
field.

The catastrophic collapse of the fintech middleware provider Synapse Financial Technologies, Inc. serves as a stark warning. When Synapse collapsed, its poorly managed and unreconciled internal payment ledgers left more than 100,000
retail consumers locked out of approximately $265 million in funds. Bankruptcy trustee Jelena McWilliams and partnering banks subsequently identified a staggering shortfall of between $60 million and $90 million between what partner banks held and what Synapse's internal ledger expected. This structural disaster, which prompted the Consumer Financial Protection Bureau to file a Stipulated Final Judgment and Complaint (Consumer Financial Protection Bureau, 2025) and the Financial Industry Regulatory Authority to initiate formal enforcement actions against former executives for total failure of cash management supervision (Financial Industry Regulatory Authority,
2025), proves that non-depository fintech firms systematically lack the basic ledger
integrity, capital reserves, and crisis-management structures necessary to guarantee the safety of user deposits. Granting similarly structured, non-federally insured entities direct access to the Federal Reserve's real-time settlement rails is a recipe for
automated consumer ruin.

Parent organizations remain contractually and reputationally exposed to their nonbank affiliates, maintaining implicit liabilities to rescue them in times of distress (Cetorelli & Kundu, 2026). Under severe stress simulations calibrated to 2008-scale shocks, four to six percent of bank holding companies would completely exhaust their entire capital buffers attempting to recapitalize their failing nonbank subsidiaries (Cetorelli & Kundu, 2026). Allowing these fragile nonbank platforms direct access to the central bank ledger would enable rapid, automated liquidity runs that bypass depository firewalls and dump systemic liabilities directly onto the Federal Reserve's balance sheet (Cetorelli & Kundu, 2026).
The Board may argue that its proposed guardrails within OP-1878, such as denying intraday and overnight overdraft capacity, offering zero interest, and banning participation in Excess Balance Accounts, are sufficient to mitigate these dangers (Federal Reserve System, 2026). Consequently, payment flows will be
compressed entirely into ultra-high-velocity rails like FedNow and Fedwire, accelerating
run speeds. While these parameters limit credit and liquidity risk for the Reserve Banks themselves, they leave the broader financial system completely exposed to catastrophic operational and fraud risks (Association for Financial Professionals, 2026). A state-sponsored hacker or automated fraud syndicate does not care about a one billion dollar balance cap; they can still use a single compromised fintech endpoint to execute hundreds of rapid-velocity payments that drain downstream participants instantly before operators can manually intervene.

A ninety-calendar-day timeline is structurally and operationally insufficient to perform comprehensive Anti-Money
Laundering, Bank Secrecy Act, and operational resilience diligence on complex, opaque Tier 3 entities. The Board's belief that its due diligence framework can filter out bad
actors within such a rushed timeframe ignores the stark operational realities of the nonbank sector. As the Financial Stability Board detailed in its latest monitoring reports, the Non-Bank Financial Intermediation sector expanded by nine and four-tenths percent
in 2024, growing at double the pace of traditional banking, and now represents fifty-one percent of global financial assets (Financial Stability Board, 2025).
Despite its massive scale, the nonbank financial sector is plagued by critical data gaps (Financial Stability Board, 2025). Regulators currently lack the high-quality,
standardized data necessary to monitor nonbank leverage, asset positions, and
systemic exposures (Financial Stability Board, 2025). The vulnerabilities are so acute that the Financial Stability Board has had to establish a specialized Nonbank Data Task Force to conduct pilot studies just to begin to understand leveraged trading strategies in these markets (Financial Stability Board, 2025). It is operationally impossible for the
Federal Reserve to perform rigorous, proactive due diligence within ninety days onentities whose underlying portfolios and transaction flows are fundamentally
unmonitored, opaque, and prone to extreme data gaps (Financial Stability Board, 2025). Connecting these opaque platforms to 24/7 instant clearing networks also creates an intolerable national security threat. Hostile nation-state actors and cybercriminal
syndicates systematically target nonbank edge networks because they lack robust, enterprise-grade perimeter defenses.

Caitlin Conner@caitlinconner· Jul 8

Breaking News- We found video footage of those phone calls!

Caitlin Conner@caitlinconner· Jul 5

This is America. Thank you to @tadstoermer.bsky.social for putting this amazing collection of historic moments together. #America250th #aResistanceHistoryOfTheUnitedStates #Books

A picture of the book "A Resistance History of the United States" by Tad Stoermer sets upon a night stand with the book "Mismatch: How Inclusion Shapes Design" by Kat Holmes behind it.

Caitlin Conner@caitlinconner· Mar 16

Just placing this here in case other nations need a reminder of why not to get involved.

A mobile screenshot of a document from a "justice.gov" URL. The text is a detailed, first-person account featuring numerous complex allegations involving human trafficking, sexual assault, and government conspiracies. It names several public figures, including Donald Trump, Eric Trump, Justin Trudeau, Prince Andrew, and Ghislaine Maxwell. The author makes various claims, such as being a "Royal Nanny" and being secretly married to Trudeau. A search bar at the bottom of the screen shows the highlighted phrase "6 year old" within the text.

Caitlin Conner@caitlinconner· Mar 6

Hope this clears it up for you

To the left, a picture of U.S. Senator Tim Sheehy, the coward who broke a Marine's arm. To the right is the following text for source Track AIPAC: Tim Sheehy, U.S. Senator [R] Montana, $641,337 Spent by the pro-Israel Lobby & Their Mega Donors. PACs: $79,253 Bundlers: $562,084 via fec.gov 02/17/26.

Caitlin Conner@caitlinconner· Nov 15

I'm heartbroken to share the news of Alice Wong's passing. We have lost a titan. I envision her now hanging out with the other greats we've lost, like Judith Heumann, Ed Roberts, and Brad Lomax. Alice is but another disabled ancestor joining a powerful lineage.

A screenshot of a tweet from Alice Wong (@SFdirewolf), posted at 11:32 PM on November 14, 2025. The tweet contains a message in black text on a yellow background, introduced by her friend.

The text reads:

"This is Alice's friend Sandy Ho, posting. Per Alice's wishes, this message is being shared at the time of her passing.

Hi everyone, it looks like I ran out of time. I have so many dreams that I wanted to fulfill and plans to create new stories for you. There are a few in progress that might come to fruition in a few years if things might work out. I did not ever imagine I would live to this age and end up a writer, editor, activist, and more. As a kid riddled with insecurity and internalized ableism, I could not see a path forward. It was thanks to friendships and some great teachers who believed in me that I was able to fight my way out of miserable situations into a place where I finally felt comfortable in my skin. We need more stories about us and our culture. You all, we all, deserve the everything and more in such a hostile, ableist environment. Our wisdom is incisive and unflinching. I'm honored to be your ancestor and believe disabled oracles like us will light the way to the future. Don't let the bastards grind you down. I love you all."

Caitlin Conner@caitlinconner· Aug 21

Hey @crockett.house.gov Looks like Ole buddy Steve from Florida is operating without a legal license. 😏

A Google review for S&S Home Improvements giving 2 stars with this review: "Not Truthful and Deceptive, Mr Steven P Acre does not have a general contractor license and according to Dept of Business and Professional licensing Florida he never has."

Caitlin Conner@caitlinconner· Jul 16

SAVE THE DATE: Skin I’m In #FashionWeek, November 2, 2025 The #runway is calling! Skin I’m In Fashion Week returns this fall with a new flight plan and an even bigger destination. We’ll be announcing this year’s venue soon. 🤫 Trust us, you’ll want to be on board early. #FashionShow #houston

Caitlin Conner@caitlinconner· Apr 11

"Common Sense"...

A meme from Princess Bride where he says "You keep using that word. I do not think it means what you think it means."

Caitlin Conner@caitlinconner· Mar 21

Hey #StephenKing Did you know Meta stole 200 pieces of your work? According to this article, Meta has reportedly used pirated databases like LibGen to train its AI. www.theatlantic.com/technology/a...

A screen shot of the LibGen author search showing Stephen King's works stolen 200 times by Meta's ai.

Caitlin Conner@caitlinconner· Feb 25

🚨 CALLING ALL TEXAS DISABILITY RIGHTS ADVOCATES! 🚨 See Comments #DisabilityRights #TexasAdvocates #Protect504 #TexasvBecerra #AccessForAll #StandUpForRights #ADA #DisabilityJustice

A graphic design featuring the words "DISABILITY RIGHTS" in large, bold, teal-colored capital letters on a textured off-white background. Below the text, there is a black-and-white image of a confident woman with long wavy hair, wearing a sleeveless, textured black top, sitting at a table with her hands resting on the surface. To the left of her image, there is a disability rights symbol of a raised fist with a wheelchair accessibility icon, accompanied by the words "ACCESS FOR ALL." On the right side, a megaphone graphic appears next to the text "Calling All Advocates." At the bottom, "DISABILITY RIGHTS" is curved along a circular shape, reinforcing the advocacy theme.

Caitlin Conner@caitlinconner· Feb 14

Here's a pic of this criminal's deviated septum in case anyone wants to know that drugs are bad mkay.

A picture of Musk’s face up close showing one nostril pushed in unnaturally...

Caitlin Conner@caitlinconner· Feb 12

🚨 URGENT: Protect Disability Rights – Join Today’s Zoom Call! Seventeen states are suing to weaken Section 504 of the Rehabilitation Act, threatening decades of hard-fought protections for people with disabilities. Info in comments #Protect504 #DisabilityRights #AccessForAll #Defend504

Caitlin Conner@caitlinconner· Feb 6

Just came to add this piece of evidence for the world since other platforms won't show it...

Caitlin Conner@caitlinconner· Feb 6

He admitted to it twice... And gave his accomplice credit, right on TV.

Caitlin Conner@caitlinconner· Jan 31

I found 2 and had to go back to work. I love this stuff though

An image of 9 scientific samples in which two red circles have target duplicate patterns.

Caitlin Conner@caitlinconner· Jan 30

Pay attention to their language—erasing our histories, cultures, and identities as 'radical' and 'wasteful' shows they don’t care about us. This isn’t about fairness; it’s about control. They divide us because united, we’re unstoppable. Speak out, organize, and protect our shared humanity.

A document from the Defense Intelligence Agency (DIA) dated January 28, 2025, addresses the DIA workforce. The subject is titled "Pause on Special Emphasis Programs and Related Activities and Events." It states that the agency is pausing activities related to diversity, equity, and inclusion (DEI) programs, special emphasis programs, and observances, citing an executive order titled "Ending Radical and Wasteful Government DEI Programs and Preferencing." The memo lists various cultural and historical observances (e.g., Black History Month, Pride Month, National Disability Employment Awareness Month) that are paused, although federal holidays such as Martin Luther King Jr. Day and Juneteenth remain unaffected. Agency resource groups and networking activities are also paused until further notice.

Caitlin Conner@caitlinconner· Jan 19

Don't be surprised when people #BoycottMeta I'd start reviewing those #DigitalMarketing plans now if you haven't already.

A black background with text saying "Boycott Meta"

Caitlin Conner@caitlinconner· Dec 10

Searching For #PenPals! 💌📬🌎 I'm writing you as a mother who passed her #Dyslexic genes to her beautiful daughter who is now frustrated to learn. I want a #TechRegression, something tangible again. I'm looking for her to learn from people all over the world. If you're interested, drop a comment!

The background image shows a stack of letters to symbolize writing tangible letters. In the center is a picture of my daughter with a dog on each side of her. Their backs are facing us as they look out upon a pond of Lilly pads. Text at the top says "Living With Dyslexia" and text below her picture says "Searching For Pen Pals".

Caitlin Conner@caitlinconner· Nov 23

I hate when I get told I'm overqualified or I do too much... like seriously, if you don't want someone to get the job done, then why even post the job in the first place? 🙃 Photo by the incredible Corvin Alstot. #PetPeeve #Overqualified #UnderAppreciated #Business