Credit Markets
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Op-Ed
Mortgage rates just fell below a crucial psychological threshold
The difference from a 6 percent rate is tiny, but the appeal to customers is big.
Originally published inThe Washington Post
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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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Op-Ed
Trump’s Tariffs Are Changing How Consumers Use Credit
Tariffs and credit price controls are squeezing American families From both sides.
Originally published inDC Journal
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Policy Brief
The Death Knell for Elizabeth Warren’s CFPB
Trump’s CFPB reset offers hope for reform, but state attorneys general are already building a fragmented and punitive new regulatory regime