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José Gabilondo (A.B. Harvard; J.D. University of California (Berkeley) teaches banking law, corporate finance, and tax at Florida International University, where he also served as associate dean. He has worked in financial market regulation at the U.S. Securities and Exchange Commission, the Office of the Comptroller of the Currency, U.S. Department of the Treasury, and the World Bank. He is the author of BANK FUNDING, LIQUIDITY AND REGULATORY CAPITAL and CORPORATE FINANCE: DEBT, EQUITY, AND DERIVATIVE MARKETS AND THEIR INTERMEDIARIES. His recent articles have defended the Fed’s post-crisis transformation into a market maker of last resort, examined stress-testing requirements for banking organizations, and analyzed the leverage and liquidity dynamics of the new credit market. He has appeared on CNN and MSNBC and is a nationally recognized commentator in the Spanish-language media on Cuba and financial matters.