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Studies

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Study

The Annual Percentage Rate Is the Wrong Metric for Assessing the Cost of a Short-Term Loan

  • By: John Berlau, Matthew Adams
  • 04/07/2021

Think calculating the cost of a loan is simple? Not under the longtime rules of the federal government and many states. Consider the following recent…

Banking and Finance

Study

Terrible Tech 2.0

  • By: Clyde Wayne Crews, Iain Murray, Jessica Melugin, John Berlau, Patrick Hedger, Ryan Young
  • 09/10/2020

View Full Document as PDF Executive Summary If you are looking for bipartisanship in Washington, D.C., the technology policy sector may be your…

Antitrust

Study

Repeal of #NeverNeeded Regulations Can Help People Stay Home and Safe During the COVID-19 Crisis

  • By: Jessica Melugin, John Berlau, Michelle Minton, Patrick Hedger
  • 07/21/2020

As individuals and businesses continue to address the COVID-19 health crisis, access to technologies and services that have enabled large swaths of the economy to…

Regulatory Reform

Study

Government-Run Payment Systems Are Unsafe at Any Speed

  • By: John Berlau
  • 06/09/2020

For people quarantining during the COVID-19 health crisis, electronic payments proved essential to obtaining needed supplies, from groceries to medicines, while maintaining social distancing and…

Banking and Finance

Study

Cryptocurrency and the SEC’s Limitless Power Grab

  • By: John Berlau
  • 04/10/2019

Many questions are being asked about cryptocurrency. Is it a major innovation that will improve standards of living in ways we cannot yet imagine? Or…

Banking and Finance

Study

The Case against the Volcker Rule

  • By: Daniel Press, John Berlau
  • 11/30/2017

View Full Document as PDF The 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act has severely restricted business and consumer access…

Banking and Finance

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