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

News Release
CFPB Cap on Credit Card Late Fees = Price Controls that Raise Cost of Credit for Everyone
The Biden White House is touting a new proposed rule from the Consumer Financial Protection Bureau that would cap most credit card late fees…

News Release
Latest Fed Interest Rate Increase Brings Us Closer to a Soft Landing: CEI Analysis
The Federal Reserve today announced an interest rate increase of a quarter percentage point, as expected. CEI Senior Economist Ryan Young says the series of…
Americans for Tax Reform
Q&A on Credit Card Regulation
Americans for Tax Reform has been consistently opposed to government regulation of debit and credit card transactions. Last year, ATR opposed the Credit Card Competition…
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Study
Michigan’s Insurance Industry: New Directions
Full Document Available in PDF With the coming of the administration of Republican…
Publication
Flirting With Disaster
Congress is again exploring new ways to undermine the private market for homeowners insurance in disaster-prone parts of the country. On February…
Study
Risk-Based Homeowners Insurance Under Siege: The Slippery Slope From Redlining Charges To Disparate Impact Claims
Full Document Available in…
Publication
Abusing Discrimination
In America at century’s end, the surest way to obtain special treatment for a social group is to assert that its members suffer…
Publication
Disparate Impact Dangers
On March 10 one of the nation's largest property and casualty insurers, Nationwide Insurance Company, agreed to part with $13.2 million to settle allegations…
Publication
NAIC Insures Privileged Access
Thousands of insurance executives and regulators converged on Orlando, Fla., in March to attend the spring meeting of the National Association of Insurance Commissioners…