Cybersecurity
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Op-Ed
Mortgage Bankers Association’s tri-merge credit reporting reform pushes risky overhaul
Proposal strips critical safeguards and shifts long-term costs on to American borrowers.
Originally published inThe Washington Times
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White Paper No. 9
Rolling the Dice
Procurement failures and vendor transition risks threaten the New Mexico Lottery.
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Policy Brief
Weakening Tri-Merge Would Make Housing Less Affordable
Why cutting credit reporting costs won’t fix housing affordability, and may make it worse.
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Op-Ed
Credit Card Rate Caps Will Lead To a Shortage of Credit Cards
Why a national credit card rate cap would shrink access and worsen inequality.
Originally published inRealClearMarkets
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Policy Brief
Corner Post v. Federal Reserve: What’s Really at Stake in the Durbin Debacle
Price controls could disrupt debit and credit card transactions nationwide, reshaping everyday payments.
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Policy Brief
The CFPB’s Open Banking Mandate Is About to Break Rent
The CFPB’s open banking mandate, the 1033 rule, poses a critical risk to America’s rent payments.
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Op-Ed
Stablecoin Rewards Are the Shortcut to Financial Trouble
Why should Congress uphold the GENIUS Act’s ban on stablecoin rewards to prevent digital money from becoming digital debt?
Originally published inRealClearMarkets
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Policy Brief
Vought Charts New Path for the CFPB
Russell Vought signals a shift toward proportional, efficient regulation after years of CFPB overreach under Rohit Chopra.