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Masthead

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  • Kent Lassman

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  • Jeremy Lott

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  • Ryan Smith

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  • Travis Burk
  • Christine Hall
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  • Matthew Adams
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  • John Berlau
  • Wayne Crews
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Consumer Financial Protection Bureau Should End Frivolous Student Loan Lawsuit

Blog

Consumer Financial Protection Bureau Should End Frivolous Student Loan Lawsuit

  • By: John Berlau, Matthew Adams
  • 11/19/2019

The efforts of Consumer Financial Protection Bureau (CFPB) Director Kathy Kraninger have gone a long way in reversing egregious Obama-era actions that plagued the agency,…

Banking and Finance

In Praise of Pro-Consumer Tenure of Finance Regulator Kraninger

Blog

In Praise of Pro-Consumer Tenure of Finance Regulator Kraninger

  • By: John Berlau, Matthew Adams
  • 10/16/2019

As she prepares to give her semi-annual testimony to Congress this week—on Wednesday to the House Financial Services Consumer Financial Protection Bureau and on Thursday…

Banking and Finance

Feds: Gambling Fine, But Investing Too Risky

Blog

Feds: Gambling Fine, But Investing Too Risky

  • By: John Berlau
  • 09/24/2019

“In the risk reform debate, as in so many political debates, logic is often for losers.” So lamented Competitive Enterprise Institute founder and president emeritus…

Banking and Finance

Debt Collectors Keep Credit Market Flowing

Blog

Debt Collectors Keep Credit Market Flowing

  • By: John Berlau
  • 08/20/2019

Debt collecting is a profession that gets little love, but given the social good done by debt collectors who operate ethically and follow the rules,…

Banking and Finance

Defiance of Congress Melts Federal Reserve Credibility

Blog

Defiance of Congress Melts Federal Reserve Credibility

  • By: John Berlau
  • 07/11/2019

In advance of his testimony yesterday before the House Financial Services Committee, Federal Reserve Chairman Jerome Powell was the subject of a front-page story in The…

Banking and Finance

Facebook Libra Highlights Flaws of Fed Foray into Real-Time Payments

Blog

Facebook Libra Highlights Flaws of Fed Foray into Real-Time Payments

  • By: John Berlau
  • 06/19/2019

More than ten years after the pseudonymous Satoshi Nakamoto published the source code for Bitcoin, and after hundreds of other cryptocurrencies have been introduced, Facebook…

Banking and Finance

SEC’s ‘Regulation Best Interest’ Respects Investor Choice

Blog

SEC’s ‘Regulation Best Interest’ Respects Investor Choice

  • By: John Berlau
  • 06/05/2019

Today, the Securities and Exchange Commission approved final rules that comprise “Regulation Best Interest,” which will govern conduct of broker-dealers in their transactions with retail investors. Any…

Banking and Finance

Don’t Let Credit Scoring Kerfuffle Compromise GSE Reform

Blog

Don’t Let Credit Scoring Kerfuffle Compromise GSE Reform

  • By: John Berlau
  • 05/31/2019

Just when it seemed that reforming the government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac was becoming a “third rail” that politicians did not want…

Banking and Finance

Shed Light on Cryptocurrency ‘Dark Matter’ Regulation at SEC

Blog

Shed Light on Cryptocurrency ‘Dark Matter’ Regulation at SEC

  • By: John Berlau
  • 04/16/2019

A few days ago, the Trump administration issued a memorandum strongly discouraging what the Competitive Enterprise Institute’s Wayne Crews has called “regulatory dark matter.” The…

Banking and Finance

Lyft and the ‘Cheers’ IPOs: How Overregulation Leaves Middle-Class Investors Behind

Blog

Lyft and the ‘Cheers’ IPOs: How Overregulation Leaves Middle-Class Investors Behind

  • By: John Berlau
  • 03/29/2019

After much anticipation, Lyft finally went public today, opening on NASDAQ at $87.24 per share—well above its initial public offering price of $72. Lyft’s market…

Banking and Finance

SEC Should Stop Coercing Brokers to Buy Data From Exchanges

Blog

SEC Should Stop Coercing Brokers to Buy Data From Exchanges

  • By: John Berlau
  • 02/15/2019

There are many types of burdensome government mandates, but of all the Ten Thousand Commandments, regulations that coerce the purchase of a particular product or…

Banking and Finance

Rep. Waters Reiterates Support for JOBS Act 3.0

Blog

Rep. Waters Reiterates Support for JOBS Act 3.0

  • By: John Berlau
  • 01/31/2019

In a major speech to a liberal group outlining her priorities as chairman of the House Financial Services Committee, Rep. Maxine Waters (D-CA) sharply criticized…

Banking and Finance

Agenda for the 116th Congress: The Second Decade of Crypto-Blockchain

Blog

Agenda for the 116th Congress: The Second Decade of Crypto-Blockchain

  • By: John Berlau
  • 01/09/2019

As cryptocurrency and the associated blockchain celebrate their tenth birthdays, CEI’s new “Free to Prosper” agenda for the 116th Congress aims to ensure bureaucratic red…

Banking and Finance

Year in Review 2018: Operation Choke Point

Blog

Year in Review 2018: Operation Choke Point

  • By: John Berlau
  • 12/19/2018

Every Halloween, there exists the temptation for commentators to describe routine events in the news with adjectives like “scary” and “frightening.” Sensitive to sounding clichéd…

Banking and Finance

Best Books of 2018: Judicial Fortitude

Blog

Best Books of 2018: Judicial Fortitude

  • By: John Berlau
  • 12/19/2018

My pick for one of the best books of this year is “Judicial Fortitude: The Last Chance to Rein in the Administrative State” (Encounter Books,…

Law and Litigation

Lame Duck Session Should Undo Crippling Rules on Middle-Class Investors and Entrepreneurs

Blog

Lame Duck Session Should Undo Crippling Rules on Middle-Class Investors and Entrepreneurs

  • By: John Berlau
  • 11/09/2018

Next year, with Congress divided once again, bipartisan legislation will be the order of the day. Indeed for passage of both chambers, it will be…

Banking and Finance

Supreme Court Should Decide if Bureau of Consumer Financial Protection Is Unconstitutional

Blog

Supreme Court Should Decide if Bureau of Consumer Financial Protection Is Unconstitutional

  • By: John Berlau
  • 09/07/2018

Today, the Competitive Enterprise Institute is asking the Supreme Court to hear the lawsuit we filed challenging the constitutionality of the Bureau of Consumer Financial…

Banking and Finance

Confirm Kraninger, Rein in Bureau of Consumer Financial Protection

Blog

Confirm Kraninger, Rein in Bureau of Consumer Financial Protection

  • By: John Berlau
  • 08/23/2018

Today, the Senate Banking Committee will likely vote to send the nomination of Kathleen Kraninger for director of the Bureau of Consumer Financial Protection to…

Banking and Finance

Elizabeth Warren’s Hypocrisy on Financial Regulation: Part 1

Blog

Elizabeth Warren’s Hypocrisy on Financial Regulation: Part 1

  • By: John Berlau
  • 08/17/2018

As far as politicians’ transgressions go, I usually don’t get that riled up about hypocrisy. In the course of voting on and debating so many…

Banking and Finance

Securities and Exchange Commission Bests Labor Department ‘Fiduciary Rule,’ But Still Adds Red Tape

Blog

Securities and Exchange Commission Bests Labor Department ‘Fiduciary Rule,’ But Still Adds Red Tape

  • By: John Berlau
  • 08/08/2018

In March, the Fifth Circuit Court of Appeals killed the Obama administration’s “fiduciary rule,” a prime example of the “bureaucrats know best” type of…

Banking and Finance

Federal Charters May Remove Interest Rate Uncertainty for Fintech Firms

Blog

Federal Charters May Remove Interest Rate Uncertainty for Fintech Firms

  • By: John Berlau
  • 08/03/2018

The July 31 policy statement by the Office of the Comptroller of the Currency (OCC) announcing that it will now grant “special purpose national…

Banking and Finance

In U.S. and Australia, Payment Card Price Controls Create Many Unhappy Returns

Blog

In U.S. and Australia, Payment Card Price Controls Create Many Unhappy Returns

  • By: John Berlau
  • 07/23/2018

Eight years ago this month, the Democrat-controlled House and Senate passed and President Barack Obama signed into law the so-called Dodd-Frank Wall Street Reform and…

Banking and Finance

Trump Reorg Plan One Step Forward, Two Steps Back on Fannie Mae and Freddie Mac

Blog

Trump Reorg Plan One Step Forward, Two Steps Back on Fannie Mae and Freddie Mac

  • By: John Berlau
  • 06/27/2018

My colleagues Trey Kovacs and Iain Murray and, in Forbes, Wayne Crews, give mixed reviews to President Trump’s long-awaited executive branch reorganization…

Banking and Finance

Last Chance for the 115th: Unshackle Middle-Class Investors and Entrepreneurs

Blog

Last Chance for the 115th: Unshackle Middle-Class Investors and Entrepreneurs

  • By: John Berlau
  • 06/18/2018

Congress and President Trump recently gave Main Street banks and credit unions some much-need but still modest relief from the mountains of red tape stemming…

Banking and Finance

Cut Red Tape So Middle-Class Investors Can Soar with Next Amazon

Blog

Cut Red Tape So Middle-Class Investors Can Soar with Next Amazon

  • By: John Berlau
  • 05/15/2018

Today is the 21st anniversary of the initial public offering of a little company called Amazon. Yes, today Amazon is a behemoth, a supposed…

Financial Regulation

Consumer Financial Protection Bureau Targets True Rights Violations with Wells Fargo Fine

Blog

Consumer Financial Protection Bureau Targets True Rights Violations with Wells Fargo Fine

  • By: John Berlau
  • 04/25/2018

After being attacked repeatedly for supposedly being soft on Wall Street and the “big banks,” Acting Consumer Financial Protection Bureau Director Mick Mulvaney was part…

Banking and Finance

Implement AEI-Heritage-R Street GSE Plan AND Honor Shareholder Contracts

Blog

Implement AEI-Heritage-R Street GSE Plan AND Honor Shareholder Contracts

  • By: John Berlau
  • 03/01/2018

It is welcome news that our friends from the American Enterprise Institute, Heritage Foundation, and the R Street Institute put forth a plan this week…

Banking and Finance

SEC Chairman Jay Clayton’s Comments on Cryptocurrencies Are Cause for Concern

Blog

SEC Chairman Jay Clayton’s Comments on Cryptocurrencies Are Cause for Concern

  • By: John Berlau
  • 02/09/2018

Recent comments by SEC Chairman Jay Claytonmay signal an increasingly heavy-handed regulatory approach toward cryptocurrencies. Such an approach could curb innovation and prove counterproductive in fighting…

Banking and Finance

Trump Should Boost Bipartisan Access-to-Capital Bill in SOTU

Blog

Trump Should Boost Bipartisan Access-to-Capital Bill in SOTU

  • By: John Berlau
  • 01/29/2018

If President Trump really wants to strike a note of bipartisanship in his State of the Union address, as well as promote measures to build…

Banking and Finance

Blog

End CFPB’s Collection of Americans’ Financial Data

  • By: John Berlau
  • 12/06/2017

Last week, when the drama of the dueling directors began at the Consumer Financial Protection Bureau (CFPB), I told The Washington Examiner that the…

Banking and Finance

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Masthead

Publisher

  • Kent Lassman

Managing Editor

  • Jeremy Lott

Assistant Managing Editor

  • Ryan Smith

Associate Editors

  • Travis Burk
  • Christine Hall
  • Scooter Schaefer

Contributors

  • Matthew Adams
  • Daren Bakst
  • Joshua Bandoch
  • John Berlau
  • Wayne Crews
  • Myron Ebell
  • Dan Greenberg
  • Sean Higgins
  • Sam Kazman
  • Marlo Lewis, Jr.
  • Ben Lieberman
  • Mario Loyola
  • Jessica Melugin
  • Richard Morrison
  • Iain Murray
  • Alex Reinauer
  • Devin Watkins
  • Stone Washington
  • Ryan Young
  • Joel Zinberg

CEI Makes the Case for Freedom Every Day

Sign up below for the latest research, news, and commentary from CEI experts.

  • This field is for validation purposes and should be left unchanged.

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