CEI has fought excessive regulation in the financial sector from laws such as Sarbanes-Oxley and Dodd-Frank. We have scored major bipartisan victories for deregulation. These include the Jumpstart Our Business Startups (JOBS) Act, signed by President Obama in 2012, that lifted or relaxed some of the biggest burdens preventing small and midsize firms from raising capital and going public; and the Economic Growth, Regulatory Relief, and Consumer Protection Act, signed by President Trump in 2018, that lifted some of Dodd-Frank’s crushing burden on community banks and credit unions. We continue to fight to remove regulatory barriers that limit choices and increase costs for entrepreneurs, investors, and consumers.
Banking and Finance Issue Areas
Featured Posts
Blog
Sports dominate prediction markets, but don’t bet on that being the whole story
Less than two years ago, the biggest controversy surrounding prediction markets was their enabling of speculation on elections. Then in early 2025, with…
Blog
Let’s end ‘reputational risk’ debanking once and for all
Although this legislative session is near its end, Congress still has the opportunity to take an important step to ensure that financial regulation is…
Blog
Vance wants to break the dollar’s global reserve currency status: Why American consumers would pay
A recently resurfaced video of Vice President J.D. Vance has brought renewed attention to his argument that the US dollar’s status as the…
Search Posts
Citation
Entrepreneurs Win Half a Loaf With the JOBS Act
From Tim Carney’s column in The Washington Examiner: Crowdfunding is a way of financing a business venture without a financial intermediary or a…
Op-Eds
How Senate Dems and Scott Brown Failed ‘Maxine Waters’ Test
Attention Senators! Test results are in. Time to announce who passed and failed “the Maxine Waters test of political moderation.” As I reported last week,…
Daily Caller
No to Broccoli Mandate, Yes to Health Insurance Mandate?
The results of a Reason-Rupe poll that was released on Monday are more interesting than the pollsters may have intended. Two of the questions they…
Daily Caller
The Hidden Flaw in the Bipartisan JOBS Act
From Michelle Hirsch’s article in The Fiscal Times: The bill has members of the business community cheering, calling it a first step in…
Forbes
Ma Bell’s Long Legacy of Unsustainable Pensions Is Alive and Well
“Communism,” comedian Lenny Bruce once quipped, “is like one big phone company.” This dated joke refers to the monolithic phone company known as “Ma Bell,”…
Forbes
Goldman Sachs and the Free Market
John Berlau on Goldman Sachs and the Free Market…
Forbes
Crowdfunding Legislation Both Panned and Praised
From Investor’s Business Daily and Yahoo! Finance: Business observers say there is growing and widespread enthusiasm in the U.S. to provide greater support…
Forbes
HHS Deems Rate Hikes Excessive in Nine States
From Michael P. Tremoglie’s article on Legal Newsline: But the issue of the government telling insurers how much premiums should be is a…
Forbes
The Export-Import Bank Should Be an Ex-Bank
Among the nation’s failing financial institutions the Export-Import Bank has received little notice. Now, however, the House and Senate are considering whether to reauthorize the…
News Release
JOBS Act Will Create Jobs, Wealth, and Investor Freedom
Washington, D.C., March 21, 2012 – On Thursday, the Senate is expected to pass the Jumpstart Our Business Startups (JOBS) Act. John Berlau, Senior…
Forbes
Two Budget Proposals Demonstrate the Depth of the Political Divide in the U.S.
This morning, House budget committee chairman Paul Ryan (R.-WI) unveiled his budget proposal, which took aim at the culture of debt financing that most analysts…
News Release
Critics Fail “Maxine Waters Test of Political Moderation”
Washington, D.C., March 20, 2012 – As the Senate takes up the JOBS Act this week, the Competitive Enterprise Institute’s John Berlau urges Senators…
Forbes
The JOBS Act and the Maxine Waters Test
Call it the Maxine Waters test of political moderation. Late last week, this test was failed by Senate Majority Leader Harry Reid (D-Nev.), Senate Majority…
Forbes
The Real Reasons You Should Shun Goldman Sachs
By now, Greg Smith’s resignation letter heard around the worldwide Web has moved through its arc of infamy-passing from titillating revelation to corporate damage control…
Forbes
Can California’s Economic Self-Immolation Be Exported?
What is it about California that make its elected leaders work so hard to earn their place in the dunce’s corner alongside Greece? With all…
Forbes
Come, Sweet Debt: Civilizational Reset on the Horizon
From the presidential inaugurations of George Washington to George W. Bush, our federal government accrued a debt of more than $5 trillion. Thanks to the…
Forbes
U.S. Chamber Pushes Regulators for Hearing on Nonbanks
From Donna Barok’s article in American Banker: The American Council of Life Insurers, Business Roundtable, and Competitive Enterprise Institute, among others, made the…
Forbes
New IRS Rule Benefits Only Foreign Dictators
Since when is it the U.S. government’s job to report on the financial activities of foreign nationals to their home governments? It is now. The…
News Release
JOBS Act Would Create More than 10 Million Jobs
Washington, DC, March 8, 2012 – At last, there is a “jobs act” that lives up to its name, notes John Berlau, senior fellow…
Forbes
Consumers Shouldn’t Bank on Savings From Debit Card Price Controls
Coauthored by Kelly McCutchen, President and CEO of the Georgia Public Policy Foundation The news that Bank of America is again testing new…
Legal Brief
Bulldog Investors v. Massachusetts
Full Document Available in PDF Under the regulation at issue here, journalists, academics, students and others who are not wealthy or financially…
News Release
Free Speech for the 99% on Trial in Bulldog Investors v. Massachusetts
Washington, DC, March 5, 2012 – The Competitive Enterprise Institute today filed an amicus brief in support of hedge fund Bulldog Investors and free speech…
Forbes
Recounting George Washington’s Brilliant Entrepreneurship
February is an important month in the history of American commerce. In this month is the birthday of one of the country’s earliest business innovators…
Forbes
How the Dodd-Frank Act Harms the U.S. Energy Industry
From Pete Sepp’s op-ed in U.S. News & World Report:…
Forbes
The STOCK ACT and the SEC
Needless to say, it is a minority opinion that current insider-trading laws reach government information, or else there wouldn’t have been this much of a…
News Release
Where Are the Jobs? House Seeks Answers in Wednesday Hearing Featuring CEI’s John Berlau
Washington, DC, February 15, 2012 – With unemployment still stubbornly high and the economy still in tenuous shape, the House Subcommittee on Commerce, Manufacturing, and…
Comment
Testimony on Jobs Before House Subcommittee on Commerce, Manufacturing and Trade
Full Document Available in PDF Chairwoman Bono Mack, Ranking Member Butterfield, and members of thissubcommittee, thank you for the opportunity to present…
Forbes
Orwellian Doublespeak Dominates Economic Policy
While taking in my morning helping of news and commentary, I was struck by a certain similarity in every article touching on economic policy. It…
Forbes
The Price of Fairness
President Obama is big on fairness. “Fair” or some variant thereof was mentioned eight times in his State of the Union speech, more than “health…
Forbes
Study Saul Alinsky to Understand Barack Obama
There is a vast and perplexing dichotomy between President Obama’s rhetoric — peppered as it is with vows of ethical purity and moral rectitude —…
Forbes
Why Can’t Mainstream Media Connect the Economic Dots?
Politicians and journalists sure seem to believe that voters have the attention span and reasoning ability of a two-year old. Convinced that we are unable…
News Release
Payday Loans Myths Punctured in New Report
Washington, D.C., February 6, 2012—So-called “payday loans” and other forms of non-bank , short-term credit are roundly vilified by many politicians and activists, including the…
Study
The 400 Percent Loan, the $36,000 Hotel Room, and the Unicorn
Is a $16 surcharge on a $100 product unfair, unjust, and “predatory”? Hardly anyone flinches, for instance, at a $16 “resort fee” on a $100…
Forbes
Letter to the Editor: Dodd-Frank Shields Fannie and Freddie
G. William Beale noted in his Commentary column, “Big regulations stifle small banks,” that small banks are being crushed by pointless red tape due to…
Las Vegas Review Journal
Obama, Romney and Taxes
Las Vegas Review Journal
Romney and the Burden of Double Taxation
When Mitt Romney releases his tax returns, as he is expected to do on Tuesday, thousands of green eyeshades will pore over every line. One…
Las Vegas Review Journal
Columnist Wants Consumer Bureau to Be “Big Brother”
“Big Brother.” When commentators use that phrase to describe a government agency, it is most often not meant as a compliment. Rather, it is wielded…
Las Vegas Review Journal
Will Recess Appointment Handcuff Consumer Cop?
Daily Caller
Obama Reorganizes Government, Adds Inefficiencies, Expands Economic Footprint
Daily Caller
Avoiding a Lost Decade
Remember Japan’s “lost decade” of the 1990s? For the United States, 2011 was the “lost year.” Congress and President Obama are engaged…
Daily Caller
Obama’s Cordray Play Won’t Advance CFPB
News Release
Obama’s Recess Appointment of Cordray Eschews Constitutional Process
Washington, D.C., January 4, 2012 — Today, the White House confirmed that President Obama is using a recess appointment to name Richard Cordray the…
Daily Caller
Letter to the Editor: Fannie Mae, Freddie Mac, and the Financial Crisis
I found Joe Nocera’s attempt to minimize the role of Fannie Mae and Freddie Mac in the financial crisis unconvincing (“The Big Lie,” column,…
Blog
Obamacare Stifles Job Creation, Causes Layoffs
At Bloomberg News, Andrew Puzder, CEO of CKE Restaurants, Inc., explains how the 2010 healthcare law is preventing jobs from being created and resulting…
Daily Caller
SEC Charges Against Former Fannie and Freddie Execs
Daily Caller
Create Wealth, Not Jobs
Spending on construction and infrastructure jobs is a perennial favorite of government stimulus boosters. “There’s no reason for Republicans in Congress to stand in…
Daily Caller
Where’s the Money to Save the Euro Coming From? Not Us!
Markets rallied last week on news of central bank intervention to ease indebted European governments’ liquidity problems, but the central problem remains. Europe is in…
Daily Caller
Why Finra Needs To Charm The Supreme Court
Daily Caller
Spending More Has Never Worked!
Daily Caller
Enron Bankruptcy 10 Years Later: Before Bailouts Were Big
Staff & Scholars
John Berlau
Senior Fellow and Director of Finance Policy
- Banking and Finance
- Deregulation
- Financial Regulation
Iain Murray
Vice President for Strategy and Senior Fellow
- Banking and Finance
- Trade and International
Steve Swedberg
Finance and Monetary Policy Analyst
- Banking and Finance
- Deregulation
- Financial Regulation