Americans
citizens and nationals of the United States of America
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Policy Brief
The Need to Modernize Financial Literacy in Uncertain Economic Times
A modernized financial-literacy framework must equip students with practical, real-world tools to navigate an increasingly complex and often predatory consumer-finance landscape.
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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
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Op-Ed
Trump’s 50-year mortgage just introduces a new kind of debt
50-year loan terms would triple total debt while government regulations continue driving up building costs
Originally published inFox News
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White Paper
The Case Against 50-Year Mortgages
How will Washington’s housing “fix” entrench debt, inflate prices, and undermine the American Dream?
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Policy Brief
Rural Medicare Advantage Customers See Decreased Options
As the December 7 Medicare Open Enrollment deadline approaches, rural seniors face shrinking coverage options as major insurers scale back Medicare Advantage plans nationwide.
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Policy Brief
The Mortgage Bankers Association’s Reply Is the Real Joke
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.
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Policy Brief
Modernizing the Bank Secrecy Act: Cutting Red Tape and Ending Debanking
Congress must update the Bank Secrecy Act for the 21st century…
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Letter to the Editor
Why Do 30-Year Mortgages Exist Anymore?
Two words: government subsidies.
Originally published inThe Wall Street Journal
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Policy Brief
Compounding Interest: The Case Against the Confused Case Against the Case Against 30-Year Mortgages
In his letter responding to my column in The Wall Street Journal, “The Case Against 30-Year Mortgages,” former Freddie Mac executive David Andrukonis defends the 30-year fixed-rate mortgage as a transparent, borrower-friendly product. In “A Confused…
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Policy Brief
Compounding Interest: Reader Replies, Part II
When The Wall Street Journal published my op-ed, “The Case Against 30-Year Mortgages,” I expected disagreement. What I didn’t expect was the flood of thoughtful, funny, and occasionally fiery responses from readers across the country. Read…