Since the financial crisis, there has been substantial growth in non-bank lending platforms, including fintech companies along with an increase in banking regulations. With the growth of non-banking lenders, Jan B. Brzeski, managing director and chief investment officer of Crosswind Capital and Arixa Capital, questions if the government should increase regulations of non-bank lending to “level the playing field.” We sat down with Brzeski for an exclusive interview to talk about the regulation environment of bank and non-bank lending.

GlobeSt.com: Why should we regulate non-bank lenders?

Brzeski: The world of real estate finance has evolved and changed substantially since the financial crisis. Non-bank real estate lenders have seen rapid growth and real estate fintech lenders have grown from virtually nothing into a whole new category of lenders that is likely here to stay. Meanwhile, banks continue to face heavy regulation, leading some to ask, does the government need to “level the playing field” between bank and non-bank lenders, including fintech companies, in the interest of fairness?