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
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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 such…
Study
The Hidden Costs of Interchange Fee Bans
The state of Illinois risks transforming the Land of Lincoln into the Land of Patchwork Price Controls. The Interchange Fee Prohibition Act (IFPA), passed by…
News Release
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 from…
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Issues and Insights
Congress Misses Opportunity To Repeal IRA Stock Buyback Tax
Republicans hailed the One Big Beautiful Bill for achieving tax cuts and spending reductions. Despite this victory, the bill was missing a fix for an unwarranted…
Blog
Favorable selection in Medicare Advantage can’t be managed from the top
A previous post covered how the Centers for Medicare & Medicaid Services’ (CMS) attempts to mitigate upcoding have been unsuccessful. Another often-decried activity…
RealClear Markets
Michelle Bowman’s Reforms Will Help Reverse Dodd-Frank Damage
America’s community banks are disappearing and forming more infrequently. These local lenders once dotted every city and small town, offering small business loans, farm credit,…
Blog
Dodd-Frank 15 years later: How financial regulators leveled up
The leadup to Dodd-Frank This month marks the 15th anniversary of the Dodd-Frank Wall Street Reform Act. This law was enacted in the wake…
RealClear Markets
Book Review: Norbert Michel & Jennifer Schulp’s ‘Financing Opportunity’
America is the wealthiest nation on earth, with financial markets that are the envy of the world. Those markets have contributed to America’s rise for…
Blog
House should follow Senate in slashing BBB’s remittance tax–or eliminate it entirely
President Trump has made it clear that he wants a budget reconciliation package on his desk by July 4. In its final version of the…
