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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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Federal Charters May Remove Interest Rate Uncertainty for Fintech Firms
The July 31 policy statement by the Office of the Comptroller of the Currency (OCC) announcing that it will now grant “special purpose national…
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Finance Regulators Create New National Charter for Innovative ‘Fintech’ Companies
After years of speculation, the Office of the Comptroller of the Currency (OCC) announced Tuesday that it would begin considering applications for special purpose…
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New York State’s Flawed Online Lending Report
Earlier this month, the New York Department of Financial Services (NYDFS) released a study of online lending, including findings and recommendations for changes in…
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Appeals Court Rules Federal Housing Finance Agency Unconstitutional
Big news out of the Fifth Circuit Court of Appeals—the Federal Housing Finance Agency (FHFA) is unconstitutionally structured. The FHFA was created in the wake…
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In U.S. and Australia, Payment Card Price Controls Create Many Unhappy Returns
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…
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Five Questions for Bureau of Consumer Financial Protection Nominee Kathy Kraninger
Kathy Kraninger, President Trump’s nominee to head the Bureau of Consumer Financial Protection (formerly known as the Consumer Financial Protection Bureau, or CFPB), will…