Buy now, pay later
consumer lending approach
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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
Colorado’s War on Credit
Colorado’s HB23-1229 threatens consumer access to credit and economic growth.
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Policy Brief
We Told You So: CFPB’s Assault on Buy Now, Pay Later Tools
In a move that was as predictable as it is alarming, the Consumer Financial Protection Bureau (CFPB) has once again overstepped its bounds, targeting immensely popular Buy Now, Pay Later (BNPL) tools. As I anticipated, the…
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Policy Brief
The Unintentional Consequences of Banning Specialized Emergency Loans
Specialized emergency lenders play a crucial role in providing access to credit for individuals who may not qualify for traditional loans from banks or credit unions, and can be a lifeline for those facing unexpected expenses…