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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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Report: Government limit on credit card interchange fees undermines consumers, small businesses
A new Competitive Enterprise Institute report examines an Illinois law that will limit credit card interchange fees paid by merchants to the banks and credit unions that issue…
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Federal Reserve moves to keep interest rates steady during its June meeting: CEI analysis
The Fed has decided to keep interest rates where they are, signaling the focus is still on economic uncertainty and asserting its independence…
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Lyft and the ‘Cheers’ IPOs: How Overregulation Leaves Middle-Class Investors Behind
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…
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Bank Regulators Must Correct Flawed Volcker Rule Proposal
As my colleague Devin Watkins discussed earlier this month, a number of federal administrative agencies are refusing to correctly implement a crucial piece of regulatory…
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Agencies Failing to Follow Law on Key Financial Regulation
The Dodd-Frank Act of 2010 is one of the worst pieces of legislation to have become law in recent history. It created the Consumer Financial…
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Fintech and the Future of Consumer Finance
Everyone understands the need for access to credit. No matter how well we budget, we occasionally come up short due to an unexpected circumstance or expense—a…
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SEC Should Stop Coercing Brokers to Buy Data From Exchanges
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…
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Financial Services ‘Regulatory Sandbox’ Is Win for Consumers
The comment period on a critical new initiative to promote innovation in financial services from the Consumer Financial Protection Bureau closed this Monday. My colleague…