California
state of the United States of America
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Op-Ed
What Does a Pizza Have to Do With a Loan?
I was reading about Linney’s Pizza v. Board of Governors of the Federal Reserve System, a case involving a Kentucky pizza shop and the fees merchants pay on debit-card transactions, and it got me thinking about…
Originally published inDC Journal
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Op-Ed
California’s Crackdown on Consumer Credit Just Hit a Wall
The fight over bank-fintech partnerships is really a fight over price controls, preemption, and access to credit.
Originally published inDC Journal
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Op-Ed
‘For Heaven’s sake, stop it’ DIDMCA opt outs harm interstate commerce
State-level DIDMCA opt-outs threaten to fragment the national credit market.
Originally published inAmerican Banker
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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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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.
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Policy Brief
An Overdue Course Correction at the CFPB
Acting CFPB Director Russ Vought’s rollback of state enforcement overreach marks a critical return to legal restraint, restoring constitutional balance and regulatory clarity to America’s financial system.
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Policy Brief
Earned Wage Access: A Financial Lifeline or the Next Credit Trap?
Earned Wage Access (EWA) has rapidly gained traction amidst the demand for short-term liquidity, but questions remain about the preservation of borrowers’ financial autonomy.
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Op-Ed
Colorado’s Intrastate Minimum-Wage Compacts Will Hurt the State
Experience shows that businesses pass on increased costs to consumers, hurting the very people wage hikes are supposed to help.
Originally published inNational Review