This session brings together Goldie Blumenstyk (The Chronicle of Higher Education), Phil Hill (Phil Hill & Associates), and Stephanie Hall (Student Borrower Protection Center) for a riveting conversation on how much regulation is needed in today’s rapidly evolving landscape—and who really holds the reins of power. From federal policy to private industry influence, the panel will explore the key forces shaping online higher education, the balance between innovation and oversight, and what it all means for institutions, students, and the future of learning.