G. Michael Flores, CEO of Bretton Woods, Inc., is a consultant and researcher who has provided strategic consulting services to financial services companies for close to 40 years, with a particular focus on alternative credit and payments programs for the last 10 years. He has written and published research papers on consumer credit and overdrafts 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 a senior strategic advisor to the Emerging Markets Coalition (emcoalition.org) conducting research and educational programs on access to banking services by state legal cannabis related businesses.