![CEI comments opposing destructive anti-merger rules from troubled FDIC](https://cei.org/wp-content/uploads/2023/12/GettyImages-1249774762-578x324-c-default.jpg)
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CEI comments opposing destructive anti-merger rules from troubled FDIC
The Federal Deposit Insurance Corporation (FDIC) has been the subject of recent hearings and news reports regarding findings of a toxic workplace atmosphere of…
![Freddie Mac second mortgage funding could foment financial crisis](https://cei.org/wp-content/uploads/2024/05/GettyImages-1584621472-578x324-c-default.jpg)
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Freddie Mac second mortgage funding could foment financial crisis
The 2008 mortgage meltdown and financial crisis never fails to be invoked whenever there is any pushback to excessive financial regulation. Progressives regularly bring up…
![How SAFER Banking Act poses new dangers to marijuana and other legal industries](https://cei.org/wp-content/uploads/2021/04/GettyImages-1213258764-scaled-578x324-c-default.jpg)
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How SAFER Banking Act poses new dangers to marijuana and other legal industries
Marijuana has been in the news lately, and the news seems to be overwhelmingly favorable to the industry in terms of reducing uncertainty as to…
![Small banks targeted as FDIC cracks down on technology partnerships](https://cei.org/wp-content/uploads/2024/04/GettyImages-1235243712-578x324-c-default.jpg)
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Small banks targeted as FDIC cracks down on technology partnerships
Earlier this week, Politico’s “Morning Money” column reported an astonishing finding that almost certainly points to politicization in enforcement by federal bank regulators. The…
![George Washington’s marvelous list of liberties and grievances](https://cei.org/wp-content/uploads/2023/06/GettyImages-501157565-578x324-c-default.jpg)
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George Washington’s marvelous list of liberties and grievances
On the federal holiday on Monday and on his real birthday on Thursday, February 22, we celebrate the 292nd birthday of our nation’s first president,…
![CFPB Data Breach Shows Danger of its Attempted Power Grab Over Fintech](https://cei.org/wp-content/uploads/2024/01/GettyImages-1307354522-578x324-c-default.jpg)
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CFPB Data Breach Shows Danger of its Attempted Power Grab Over Fintech
My friend Patrick Brenner, president of regional free-market think tank the Southwest Public Policy Institute, recently had a great op-ed at FoxNews.com on data…
![Don’t make crypto the electricity scapegoat](https://cei.org/wp-content/uploads/2024/01/GettyImages-919509810-578x324-c-default.jpg)
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Don’t make crypto the electricity scapegoat
A radical new tax proposed by the Biden administration would make cryptocurrency mining the scapegoat for electricity usage. The so-called Digital Asset Mining Energy (DAME)…
![FTC replies to CEI in auto dealer rule, still full of hot, nitrogen-poor air](https://cei.org/wp-content/uploads/2022/09/Tire-GettyImages-1335066558-578x324-c-default.jpg)
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FTC replies to CEI in auto dealer rule, still full of hot, nitrogen-poor air
This week, the Federal Trade Commission issued its long-awaited, nearly-400 page nannyist final rule on auto and other motor vehicle dealers sales. The rule…
![Central banks are watching. Let’s watch them back.](https://cei.org/wp-content/uploads/2023/12/GettyImages-1445628901-578x324-c-default.jpg)
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Central banks are watching. Let’s watch them back.
One of the biggest dangers of a central bank digital currency (CBDC), I and others have warned, is that it would give a government that…
![Gensler SEC’s PDA rule would keep investors in the dark](https://cei.org/wp-content/uploads/2023/10/GettyImages-669346920-578x324-c-default.jpg)
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Gensler SEC’s PDA rule would keep investors in the dark
Hailing one of his new mandates on entrepreneurs and investors, SEC Chairman Gary Gensler proclaimed, “In today’s fast-moving financial markets, it’s important that market…
![Bill banning Fed-controlled crypto a good first step, but Congress must do more for monetary freedom](https://cei.org/wp-content/uploads/2023/03/GettyImages-955088912-578x324-c-default.jpg)
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Bill banning Fed-controlled crypto a good first step, but Congress must do more for monetary freedom
On Wednesday, the US House Financial Services Committee is expected to vote on House Majority Whip Tom Emmer’s ‘‘CBDC Anti-Surveillance State Act,” aiming to prevent…
![America’s insurance commissioners still pursuing bad investment charges that EU is scrapping](https://cei.org/wp-content/uploads/2023/07/GettyImages-1431889699-578x324-c-default.jpg)
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America’s insurance commissioners still pursuing bad investment charges that EU is scrapping
Last month, a significant development took place in Europe that so far has not been widely reported in the US, even though it will likely…
![Why are America’s insurance commissioners trying to import harmful European rules?](https://cei.org/wp-content/uploads/2023/07/GettyImages-1431889699-578x324-c-default.jpg)
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Why are America’s insurance commissioners trying to import harmful European rules?
With high prices and the threat of recession looming over America’s economy, another threat is emerging. Influential policymakers overseeing the U.S. insurance industry are on…
![Adam Smith, George Washington, and the invisible hand in America](https://cei.org/wp-content/uploads/2023/06/GettyImages-501157565-578x324-c-default.jpg)
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Adam Smith, George Washington, and the invisible hand in America
Although Adam Smith would have been 300 this year, his birth date is unknown, and his baptism date has shifted from different dates in June…
![SPPI-TV hit: How price controls endanger small dollar loans, boost loan sharks](https://cei.org/wp-content/uploads/2023/03/GettyImages-955088912-578x324-c-default.jpg)
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SPPI-TV hit: How price controls endanger small dollar loans, boost loan sharks
In my first media appearance from the sleek new CEI studios at our offices in Washington, DC, I joined a great panel on the May…
![New credit card late fee rule hurts folks who pay their bills on time](https://cei.org/wp-content/uploads/2022/10/GettyImages-1137281183-1-578x324-c-default.jpg)
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New credit card late fee rule hurts folks who pay their bills on time
There has rightly been an outcry after the Federal Housing Finance Agency (FHFA), which sets policy for the government-sponsored enterprises (GSE) Fannie Mae and Freddie…
![FedNow Isn’t a CBDC, But Still Contains Many Dangers](https://cei.org/wp-content/uploads/2023/02/Fed-building-GettyImages-939248364-578x324-c-default.jpg)
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FedNow Isn’t a CBDC, But Still Contains Many Dangers
Over the past few days, “FedNow” has been trending on Twitter in tweets that contain healthy doses of curiosity and skepticism, well-founded concerns about privacy…
![Finance Facts Trump Biden’s Blame Game on Banking Woes](https://cei.org/wp-content/uploads/2023/03/GettyImages-516780641-578x324-c-default.jpg)
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Finance Facts Trump Biden’s Blame Game on Banking Woes
Donald Trump dominated the news in more ways than one yesterday, as Biden officials attempted to place the Trump administration at the center of recent…
![The Many Harms of Unlimited Deposit Insurance](https://cei.org/wp-content/uploads/2023/03/GettyImages-516780641-578x324-c-default.jpg)
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The Many Harms of Unlimited Deposit Insurance
Unlimited deposit insurance – the government guaranteeing that bank accounts of any size be made whole-in the event of a bank failure – would create…
![The Risks of Bailing Out Silicon Valley Bank’s Uninsured Depositors and How to Make the Banking System Resilient](https://cei.org/wp-content/uploads/2023/03/GettyImages-1334590466-578x324-c-default.jpg)
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The Risks of Bailing Out Silicon Valley Bank’s Uninsured Depositors and How to Make the Banking System Resilient
On Sunday evening, the Biden administration decided that all customers of the failed Silicon Valley Bank will have their millions and possibly billions in the…
![Fed Economist: Study Shows Danger of Government-Mandated Financial Misinformation](https://cei.org/wp-content/uploads/2023/02/GettyImages-1314497914-578x324-c-default.jpg)
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Fed Economist: Study Shows Danger of Government-Mandated Financial Misinformation
Study from Fed Economist Shows Danger of Government-Mandated Financial Misinformation The “Twitter Files” have made some shocking revelations about government entities…
![Study from Fed Economist Shows Danger of Government-Mandated Financial Misinformation](https://cei.org/wp-content/uploads/2023/02/GettyImages-1345012499-1-578x324-c-default.jpg)
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Study from Fed Economist Shows Danger of Government-Mandated Financial Misinformation
The “Twitter Files” have made some shocking revelations about government entities muscling social media companies to deplatform people in the name of preventing so-called…
![Hearing Shows Bipartisan Momentum for Focused Financial Deregulation](https://cei.org/wp-content/uploads/2021/01/GettyImages-1191152066-scaled-578x324-c-default.jpg)
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Hearing Shows Bipartisan Momentum for Focused Financial Deregulation
Last week, I had the honor and pleasure of testifying at the first hearing of the newly constituted Financial Institutions and Monetary Policy subcommittee…
![Berlau Crypto Letter and Comments in Wall Street Journal and Washington Examiner](https://cei.org/wp-content/uploads/2023/01/Cryptocurrencies-GettyImages-1235570446-578x324-c-default.jpg)
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Berlau Crypto Letter and Comments in Wall Street Journal and Washington Examiner
This week, I have had the honor of being quoted in a great article on cryptocurrency trends and regulation in the Washington Examiner and having…
![The Deregulatory Pony for Small Biz Buried in the Omnibus Pile](https://cei.org/wp-content/uploads/2022/12/SEC-578x324-c-default.jpg)
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The Deregulatory Pony for Small Biz Buried in the Omnibus Pile
There’s not much good to say about an “omnibus” bill crammed in at the end-of-year lame duck session of Congress that contains a grab bag…
![FTX Hearings Should Probe Fraud Charges and the SEC’s Misplaced Priorities](https://cei.org/wp-content/uploads/2022/12/SEC-GettyImages-1350198767-578x324-c-default.jpg)
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FTX Hearings Should Probe Fraud Charges and the SEC’s Misplaced Priorities
In the wake of the arrest of and charges of fraud against Sam Bankman-Fried, the disgraced founder and former CEO of the FTX…
![Why Choke Point Should Bar Gruenberg from Being FDIC Chair](https://cei.org/wp-content/uploads/2022/11/FDIC-GettyImages-1304260622-578x324-c-default.jpg)
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Why Choke Point Should Bar Gruenberg from Being FDIC Chair
Tomorrow morning, the Senate Banking Committee will hold a hearing on President Biden’s nomination of Marty Gruenberg to once again serve as Chair of the…
![Gensler Fiddled with ESG and Power Grabs while FTX Burned](https://cei.org/wp-content/uploads/2022/11/SEC-GettyImages-1350198767-578x324-c-default.jpg)
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Gensler Fiddled with ESG and Power Grabs while FTX Burned
When asked on CNBC about the implosion of crypto exchange FTX, Securities and Exchange Commission (SEC) Chairman Gary Gensler turned the focus away from the…
![Reining in Biden CFPB’s “Junk” Policies with Fifth Circuit Ruling](https://cei.org/wp-content/uploads/2022/10/CFBP-logo-578x324-c-default.png)
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Reining in Biden CFPB’s “Junk” Policies with Fifth Circuit Ruling
When the federal Fifth Circuit Court Appeals ruled last week, in Community Financial Services v. Consumer Financial Protection Bureau, that the funding structure of…
![Excerpts from Austin Keynote: How CBDCs Could Be the New Operation Choke Point](https://cei.org/wp-content/uploads/2022/10/Cryptocurrency-GettyImages-1129514615-578x324-c-default.jpg)
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Excerpts from Austin Keynote: How CBDCs Could Be the New Operation Choke Point
This week, I attended the exciting INFiN MoneyTrends conference in Austin, where I gave the Regulatory Keynote address on Monday. The conference is a…