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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…
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Inflation increases slightly in July, Americans still paying higher prices: CEI analysis
July’s Consumer Price Index (CPI) report shows inflation increased 0.1 percent across all sectors, in line with economists’ predictions. With new proposed tariffs…
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Three consequences of Illinois’ interchange fee law
In my new CEI paper, I examine the Illinois Interchange Fee Prohibition Act and what policymakers can learn from previous efforts to restrict…
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Consumer Financial Protection Bureau Should Acknowledge Its Unconstitutional Structure
The Consumer Financial Protection Bureau’s structure is unconstitutional. The agency’s leadership should recognize it as such.
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Consumer Financial Protection Bureau Should Define ‘Abusive’
The Dodd–Frank Act was a mammoth overhaul of financial services regulation. Along with creating an entire new consumer protection agency, the Consumer Financial Protection Bureau,…
Blog
SEC’s ‘Regulation Best Interest’ Respects Investor Choice
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…
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Prevent Another Mortgage Crisis: Let Qualified Mortgage ‘Patch’ Expire
Last month, the Consumer Financial Protection Bureau released its rulemaking agenda for Spring 2019. While there weren’t too many surprises in the agenda, which mainly…
Blog
Don’t Let Credit Scoring Kerfuffle Compromise GSE Reform
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…
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Consumer Financial Protection Bureau Should Drop Flawed Enforcement Actions
While the Consumer Financial Protection Bureau’s role in enforcing consumer protection laws is important, there are times when it oversteps the mark and brings frivolous…