In this episode of Lykken on Lending, we dive into a groundbreaking development out of Texas that’s shaping the future of AI in America. Joined by Steve Kinard and Pavan Agarwal of the AI Innovation Association, we explore the bipartisan momentum behind Senate Bill 1964, a bill that lays the foundation for ethical AI standards in the public sector. From the concept of digital sovereignty to practical frameworks for innovation, this conversation reveals how Texas is setting the pace for responsible AI adoption—balancing progress, ethics, and freedom. If you care about the future of artificial intelligence, free speech, and innovation policy, this is one episode you won’t want to miss.
Important links:
- AI Innovation Association website
- SunWest Mortgage website
- Angel AI website
- USSAIC conference
- Steve Kinard Jr. testified in Texas DOGE committee in support of SB1964
- LinkedIn – Steve Kinard Jr.
- LinkedIn – Pavan Agarwal
About the guests:
Steve Kinard is the President of AI Innovation Association. Previously, he served as the Director of Policy and Director of Bitcoin Mining at the Texas Blockchain Council, an industry association dedicated to making Texas a leader in bitcoin innovation. He was instrumental in developing innovative programing and workforce development partnerships with universities while growing corporate membership in an emerging industry. He was actively involved in legislative advocacy regarding technology policy and opposing onerous regulation and federal government overreach. Prior to that, he was an entrepreneur in the oil and gas industry and worked in energy banking.
He holds a BA in International Studies from Texas A&M University, an MBA from George Washington University and lives in Richardson, Texas.
Pavan Agarwal is a renowned leader in the mortgage lending industry and a pioneer in bringing artificial intelligence to the financial markets. Agarwal serves as the President and CEO of Sun West Mortgage Company and Celligence International, LLC.