Price Controls
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Op-Ed
The dangers of credit card populism
Capping interest rates won’t create a fairer system.
Originally published inThe Washington Times
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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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Amicus Brief
SPPI Files Amicus Brief Supporting the Federal Reserve in Major Debit Card Case
A major federal court case could reshape debit card economics nationwide, impacting payment security, reliability, and everyday consumer transactions.
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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
Buried in Bias
The Center for Responsible Lending’s “Buried in Debt” report fails as policy analysis.
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Op-Ed
Sen. Richard Durbin’s Long-Term Love Affair With Price Controls
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…
Originally published inRealClearMarkets
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Op-Ed
Why senators’ efforts to kill overdraft fees is overkill
Capping overdraft fees won’t help struggling families, it will cut off their last line of credit.
Originally published inThe Hill
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Policy Brief
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.