Why collective investment trusts deliver lower costs without sacrificing fiduciary protections.
Tag: financial inclusion
The Center for Responsible Lending’s “Buried in Debt” report fails as policy analysis.
Why should Congress uphold the GENIUS Act’s ban on stablecoin rewards to prevent digital money from becoming digital debt?
The Mortgage Bankers Association’s slow, self-serving defense of the 30-year mortgage proves that lifetime debt, not homeownership, is the product they’re really selling.
Congress must update the Bank Secrecy Act for the 21st century…
A so-called “consumer protection” agency became a case study in regulatory excess and misplaced praise.
This guest commentary was written by Ed Harris, CEO of Harris Northwest Advisors and a Visiting Contributor at the Southwest Public Policy Institute. In his argument about APR, Patrick Brenner is wrong but inadvertently correct on a larger point he doesn’t address. An APR calculation is mathematically accurate. Most fixed-rate 30-year mortgages are priced similarly, […]
Good intentions don’t pay the bills. But choice, transparency, and access can.
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Out of One, Many
Why banks, payment networks, merchant servicers, and financial firms will face a harder four years, and what to do about it.
The veto of Alaska’s SB 39 preserves critical credit access for underserved consumers and rejects the failed model of rate caps seen in New Mexico and Illinois.