Competitive Enterprise Institute
Competitive Enterprise Institute
  • Facebook
  • Twitter
  • YouTube
  • Instagram
  • About
  • Policy
  • Products
  • Blog
  • Events
  • Subscribe
  • Donate
  • About
  • Policy
  • Products
  • Blog
  • Events
  • Subscribe
  • Donate

Sign up below to receive the latest research, news, and commentary from CEI experts.

Sign Up

About CEI

  • Press Room
  • Team
  • Careers
  • Internships
  • Our History
  • Julian L. Simon Award Winners
  • Research Independence
  • Prometheus Society
  • Ways to Support CEI

Request a policy briefing from a CEI expert.

Learn More

All Policy Areas

  • Capitalism
    • Antitrust
    • Subsidies and Bailouts
    • Capitalism and Free Enterprise
  • Deregulation
    • Banking and Finance
    • Consumer Freedom
    • Labor and Employment
    • Regulatory Reform
    • Trade and International
  • Energy and Environment
    • Chemical Risk
    • Climate
    • Energy
    • Lands and Wildlife
    • Water and Air Quality
  • Innovation
    • Healthcare
    • Tech and Telecom
    • Transportation
  • Law and Litigation
    • CEI Litigation
    • Free Speech
    • Government Transparency
    • Legal Studies
    • Property Rights
  • Government Affairs

Sign up below to receive the latest research, news, and commentary from CEI experts.

Sign Up

All Products

  • Research
    • Fast Track
    • Issue Analysis
    • OnPoint
    • Profiles in Capitalism
    • 10,000 Commandments
    • Agenda for Congress
    • Books
    • Individual Studies
  • Newsletters
    • CEI Planet
    • The Bulletin
    • The Surge
    • Great Capitalism
  • Outreach
    • Coalition Letters
    • Legal Briefs
    • Congressional Testimony
    • Regulatory Comments
  • Podcasts
    • Free the Economy
    • How The World Works

Sign up below to receive the latest research, news, and commentary from CEI experts.

Sign Up

All Events

  • Press Room
  • Team
  • Careers
  • Internships
  • Our History
  • Julian L. Simon Award Winners
  • Research Independence
  • Prometheus Society
  • Ways to Support CEI

Sign up below to receive the latest research, news, and commentary from CEI experts.

Join Us

Support CEI

  • Give Online
  • Wire Transfer
  • Estate Planning
  • Donate Crypto
  • Facebook
  • Twitter
  • YouTube
  • Instagram

Regulatory Comments

Search Filters

Issue Areas

Comment

The Future of Deposit Insurance: Assessing Coverage Levels, Systemic Costs, and Depositor Confidence

  • By: John Berlau
  • 11/17/2025

Hearing Entitled: The Future of Deposit Insurance: Exploring the Coverage, Costs, and Depositor Confidence Dear Chairman Hill and Ranking Member Waters, On behalf of the…

Banking and Finance

Comment

Comments urging withdrawal of Chopra CFPB open banking mandate

  • By: John Berlau
  • 10/21/2025

Dear Acting Director Vought: On behalf of the Competitive Enterprise Institute, I appreciate the opportunity to submit comments on RIN 3170-AB39, CFPB’s reconsideration of issues…

Banking and Finance

Comment

CEI Comments on CFTC Event Contracts Rule Banning Election Betting Markets

  • By: John Berlau
  • 08/08/2024

Dear Mr. Kirkpatrick: On behalf of the Competitive Enterprise Institute (CEI), I appreciate the opportunity to submit comments on RIN 3038-AF14, which concerns the types…

Banking and Finance

Comment

Request for Comment on Proposed Statement of Policy on Bank Merger

  • By: John Berlau
  • 06/18/2024

To Whom It May Concern: On behalf of the Competitive Enterprise Institute (CEI), I respectfully submit the following comments in response to the Federal Deposit…

Banking and Finance

Comment

CEI comments opposing the worsening of Durbin Amendment debit card price controls

  • By: John Berlau
  • 05/12/2024

Re: Debit Card Interchange Fees and Routing (Docket No. R–1818, RIN 7100-AG67) Dear Ms. Misback: On behalf of the Competitive Enterprise Institute (CEI), I respectfully…

Banking and Finance

Comment

Conflicts of Interest Associated with the Use of Predictive Data Analytics by Broker-Dealers and Investment Advisers

  • By: James Broughel, John Berlau
  • 10/10/2023

October 10, 2023 Docket ID: Release Nos. 34-97990, IA-6353, File No. S7-12-23 To the Honorable Gary Gensler, Chair of the Securities and Exchange Commission, and…

Banking and Finance

Comment

CEI leads comments on CFPB’s $8 price controls on credit card late fees

  • By: John Berlau
  • 05/03/2023

In the matter of the proposed rule“Credit Card Penalty Fees (Regulation Z)”Consumer Financial Protection BureauDocket No. CFPB–2023–0010; RIN 3170–AB15 Prepared by: John BerlauDirector of Finance…

Banking and Finance

Comment

Comments to the Federal Trade Commission Regarding the Motor Vehicle Dealers Trade Regulation Rule

  • By: John Berlau
  • 09/12/2022

Comment Submitted: September 12, 2022 Docket No. FTC-2022-0046-0001 On behalf of the Competitive Enterprise Institute (CEI), I respectfully submit the following comments in response to…

Deregulation

Comment

Joint Comments on the Securities and Exchange Commission’s Incursion into Private Markets.

  • By: John Berlau
  • 04/23/2022

RE: Private Fund Advisers; Documentation of Registered Investment Adviser Compliance Reviews (SEC Release Nos. IA-5955; File No. S7-03-22) Dear Ms. Countryman: The undersigned organizations appreciate…

Banking and Finance

Comment

Comments to the Consumer Financial Protection Bureau on its Request for Information on “Junk Fees”

  • By: John Berlau
  • 04/11/2022

Dear Director Chopra: On behalf of the Competitive Enterprise Institute (CEI), I respectfully submit the following comments in response to the Consumer Financial Protection Bureau’s…

Financial Regulation

Comment

Comments to Consumer Financial Protection Bureau on Small Business Lending Data Collection By Race and Gender

  • By: John Berlau
  • 01/06/2022

Dear Mr. Chopra, On behalf of the Competitive Enterprise Institute (CEI), I respectfully submit the following comments in response to the Consumer Financial Protection Bureau’s…

Business and Government

Comment

Comments to Financial Crimes Enforcement Network on Regulation of Cryptocurrency Wallets

  • By: John Berlau, Ryan Nabil
  • 03/29/2021

View Full Document as PDF Comments of the Competitive Enterprise Institute To the Financial Crimes Enforcement Network In the matter of…

Banking and Finance

Comment

CEI Comments on OCC Proposed Rule on “Fair Access to Financial Services”

  • By: John Berlau
  • 01/04/2021

View Full Document as PDF Dear Ms. Boyes: On behalf of the Competitive Enterprise Institute (CEI), I submit this comment letter in opposition…

Banking and Finance

Comment

CEI Comments on Federal Housing Finance Agency’s Proposed Regulatory Capital Framework

  • By: John Berlau
  • 08/31/2020

Dear Mr. Pollard: On behalf of the Competitive Enterprise Institute (“CEI”), I am pleased to submit the following comment letter on the Federal Housing Finance…

Comment

CEI Comments on SEC Proposed Rules to Restrict Investor Access to Certain Funds

  • By: John Berlau, Ryan Radia
  • 04/30/2020

On behalf of the Competitive Enterprise Institute (CEI), we respectfully submit these comments in response to the Securities and Exchange Commission’s (SEC) notice of proposed…

Comment

CEI Comments on CFPB Proposed Rule on Debt Collection Practice

  • By: John Berlau
  • 08/19/2019

On behalf of the Competitive Enterprise Institute (“CEI"), we are pleased to provide the following comment letter on the Bureau of Consumer Financial Protection’s (“Bureau”…

Banking and Finance

Comment

CEI Comments to the Bureau of Consumer Financial Protection Proposed Policy on No-Action Letters and Product Sandbox

  • By: Daniel Press, John Berlau
  • 02/12/2019

On behalf of the Competitive Enterprise Institute (“CEI"), we are pleased to provide the following comment letter on the Bureau of Consumer Financial Protection’s (“Bureau,”…

Banking and Finance

Comment

CEI’s John Berlau Testimony Before House Financial Services Subcommittee on Capital Markets, Securities and Investment

  • By: John Berlau
  • 07/18/2017

View full document as PDF Chairman Huizenga, Ranking Member Maloney, and honorable members of this subcommittee, thank you for this opportunity to…

Banking and Finance

Comment

Testimony of John Berlau to House Oversight Committee

  • By: John Berlau
  • 03/22/2017

View Full Document as PDF Chairman Chaffetz, Ranking Member Cummings, and honorable members of the Committee, thank you for this opportunity to…

Comment

Comments to the SEC on Derivative Regulation

  • By: J. Caleb Johnson, John Berlau, Ryan Radia, Sam Kazman
  • 03/29/2016

Full Document Available in PDF The SEC proposes this rule “to take an updated and more comprehensive approach to the regulation of funds’…

Banking and Finance

Comment

Comments to the SEC by John Berlau on Crowdfunding

  • By: John Berlau
  • 02/06/2014

In comments submitted to the Securities and Exchange Commission (SEC), CEI Senior Fellow John Berlau warns that new SEC rules impacting crowdfunding could…

Financial Regulation

Comment

Testimony on The 10th Anniversary of the Sarbanes- Oxley Act

  • By: John Berlau
  • 07/26/2012

John Berlau testifies July 26, 2012 before a House Financial Services subcommittee on the topic of the 10th anniversary of Sarbanes-Oxley.

Banking and Finance

Comment

Testimony on Examining Consumer Credit Access Concerns, New Products and Federal Regulations

  • By: John Berlau
  • 07/24/2012

CEI’s John Berlau testified before the House Subcommittee on Financial Institutions and Consumer Credit.  Berlau explains why reducing unnecessary regulatory barriers will increase competition for…

Banking and Finance

Comment

Testimony on Jobs Before House Subcommittee on Commerce, Manufacturing and Trade

  • By: John Berlau
  • 02/14/2012

Full Document Available in PDF Chairwoman Bono Mack, Ranking Member Butterfield, and members of thissubcommittee, thank you for the opportunity to present…

Banking and Finance

Comment

CEI Submits Supplemental Comments on SEC’s Proposed Conflict Minerals Rules

  • By: Alex Nowrasteh, John Berlau, Luke Pelican
  • 09/23/2011

The Competitive Enterprise Institute has submitted supplemental comments regarding Section 1502 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, a provision that would…

Banking and Finance

Comment

CEI Submits Comments on Conflict Minerals Rules of Dodd-Frank

  • By: John Berlau
  • 09/23/2011

The Competitive Enterprise has submitted comments regarding the implementation of Section 1502 of the Dodd-Frank Wall Street Reform and Consumer Protection Act which attempts to…

Banking and Finance

Comment

CEI Led Regulatory Comment on Debit Card Interchange Fees and Routing 

  • By: John Berlau
  • 02/22/2011

VIA E-MAIL TRANSMISSION   [email protected]   February 22, 2011   Ms. Jennifer J. Johnson, Secretary   Board of Governors of the   Federal Reserve System   20th Street and Constitution Avenue,…

Banking and Finance

Comment

Upcoming Supreme Court Decisions in Sarbanes-Oxley Case

  • By: John Berlau
  • 06/15/2010

Full Document Available in PDF   The Supreme Court is expected to hand down its decision soon in a major case involving…

Banking and Finance

Comment

Letter to Securities and Exchange Commission: Reforming Shareholder Director Nominations

  • By: John Berlau
  • 08/17/2009

Thank you for allowing me the opportunity to submit comments on the proposed rule governing shareholder nominations of corporate directors on behalf of the…

Business and Government

Pagination

  1. Select page

show entries per page:

  • 6
  • 50
  • 100 Currently Selected
  • Home
  • About
  • Policy
  • News
  • Products
  • Events
  • Blog
  • Donate

Special Projects

  • Ten Thousand Commandments
  • Eye on FTC
  • Children Online Safety Tools
  • Net Neutrality 101
1310 L Street NW, 7th Floor Washington, DC 20005
Phone: 202-331-1010

Follow Us:

  • Facebook
  • Twitter
  • YouTube
  • Instagram
Competitive Enterprise Institute

©2026 Competitive Enterprise Institute | Privacy Policy