Better living through better policy.

Tag: Financial Innovation

Report: 1033 Error, Rule Not Sound

Post author By Southwest Public Policy Institute
Post date November 24, 2025
No Comments on Report: 1033 Error, Rule Not Sound

The CFPB’s open-banking mandate endangers consumers.

Tags Application Programming Interfaces (APIs), Authorized Third Parties, Banks And Credit Unions, Chevron Deference, Comparison Shopping Tools, Consumer Data Access, Consumer Financial Protection Bureau (CFPB), Consumer Protection Policy, Credit Karma, Cybersecurity Risks, Data Breach Risks, Data Governance, Data Monetization, Data Portability, Data Privacy Frameworks, Data Security, Data Sharing Agreements, Digital Financial Platforms, Dodd-Frank Act, Economic Freedom, Federal Court Injunction, Financial Compliance, Financial Data Aggregators, Financial Data Ecosystem, Financial Data Exchange (FDX), Financial Fraud Prevention, Financial Innovation, Financial Institutions, Financial Market Stability, Financial Privacy, Financial Regulation Reform, Financial Services Policy, financial technology, Financial Transparency, Fintech Regulation, Free Market Policy, Gramm-Leach-Bliley Act (GLBA), Lead Generators, Lending Tree, Liability Asymmetry, Loper Bright Decision, Major Questions Doctrine, Market-Based Innovation, Meta Fraud Report, National Security Risks, NerdWallet, Open Banking, Personal Financial Data Rights Rule, Plaid Data Connections, Price Controls, Regulatory Compliance, Regulatory Overreach, Rohit Chopra, Screen Scraping, Section 1033, Statutory Authority Limits, Third-Party Data Access, Trump Administration Rulemaking, Voluntary Industry Standards

Conservatism Culture Cybersecurity Domestic Policy Economic Opportunity Economy Government Regulation Infrastructure & Technology Legal and Judicial Markets and Finance Political Thought Public Opinion Security Technology Top Issues Updates

RealClearMarkets: Stablecoin Rewards Are the Shortcut to Financial Trouble

Post author By Patrick M. Brenner
Post date November 12, 2025
No Comments on RealClearMarkets: 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?

Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Markets and Finance Political Thought Progressivism Top Issues Updates

Rewarding Failure: How Rohit Chopra’s Legacy at the CFPB is Crumbling

Post author By Lucas J. Parker
Post date October 20, 2025
No Comments on Rewarding Failure: How Rohit Chopra’s Legacy at the CFPB is Crumbling

A so-called “consumer protection” agency became a case study in regulatory excess and misplaced praise.

Budget and Spending Conservatism Courts Crime and Justice Culture Cybersecurity Domestic Policy Economic Opportunity Economy Government Regulation Government Spending Infrastructure & Technology Legal and Judicial Life Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Technology The Constitution Top Issues Updates

Vought Charts New Path for the CFPB

Post author By Lucas J. Parker
Post date October 4, 2025
2 Comments on Vought Charts New Path for the CFPB

The Consumer Financial Protection Bureau headquarters in Washington, D.C. — once the central regulator of financial services, now overshadowed by a growing patchwork of state attorneys general enforcement.

Russell Vought signals a shift toward proportional, efficient regulation after years of CFPB overreach under Rohit Chopra.

Tags Apple, Banking Regulation, Bureaucratic Reform, CFPB, Consent Orders, Consumer Financial Protection Bureau, Consumer Protection, Economic Policy, Financial Innovation, financial regulation, Fiscal Responsibility, Government Oversight, Regulatory Overreach, Rohit Chopra, Russell Vought, Trump Administration, US Bank, Washington Federal

Conservatism Culture Domestic Policy Economic Opportunity Economy Government Regulation Legal and Judicial Markets and Finance Political Thought Poverty & Welfare Poverty and Inequality Progressivism Public Opinion Top Issues Updates

RealClearMarkets: Sen. Richard Durbin’s Long-Term Love Affair With Price Controls

Post author By Patrick M. Brenner
Post date September 25, 2025
No Comments on RealClearMarkets: Sen. Richard Durbin’s Long-Term Love Affair With Price Controls

Originally published at realclearmarkets.com on September 22, 2025. Senator Dick Durbin has spent much of his career in a love affair with price controls. He flirted with them in his infamous Durbin Amendment, the addendum to the 2010 Dodd-Frank Act. He renewed his vows with Senators Bernie Sanders and Josh Hawley in pushing a 10 percent ceiling on credit […]

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American Banker: Out of One, Many

Post author By Patrick M. Brenner
Post date September 3, 2025
No Comments on American Banker: Out of One, Many

As CFPB retreats, the new danger is a jumble of state-level mandates.