Blog
Debunking the ‘Race to the Bottom’ Theory of Regulatory Competition
Its success in policymaking notwithstanding, the "race to the bottom" theory has fared poorly with the passage of time.
Blog
Payday Loan Options Serve Consumers Well
Congress should use the Congressional Review Act to dismantle the Consumer Financial Protection Bureau’s payday loan rule.
Blog
Supreme Court Should Safeguard Rights to Digital Property in Microsoft Case
The Court should recognize that communications and data are property, and cut off the “innovative” use of subpoenas to collect data that should require a…
Blog
Prohibit Union Official Time during Potential Government Shutdown
Under OPM policy, exempt federal employees who work during a shutdown “serving as union officials may continue to be granted official time to the same…
Blog
The White House Can Save the Small-Dollar Loan Industry
The Consumer Financial Protection Bureau's small dollar loan rule should be retracted on Paperwork Reduction Act violations alone. …
Blog
Taming the Beast: Reform Ideas for the Consumer Financial Protection Bureau
The Consumer Financial Protection Bureau’s complicated, one-size-fits-all rules with high compliance costs favor large banks with armies of lawyers while restricting the working poor’s access…