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Op-Ed
The Corner Post ruling on debit interchange fees is unfair to banks
The 8th Circuit’s ruling in Corner Post v. Federal Reserve Board ignores congressional intent, leaving banks unable to charge fees for reasonable expenses related to debit card transactions.
Originally published inAmerican Banker
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Policy Brief
Let Homebuyers Compare
Lead generation can widen access to luxury homes and the broader market, while clear disclosure preserves seller choice and makes pricing history meaningful.
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Policy Brief
Transmission Without Representation
The Senate permitting bill would vastly expand the Federal Energy Regulatory Commission’s power, letting unelected federal regulators site transmission lines over state, local and community objections, and could shift the cost of blue-state renewable mandates onto…
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Policy Brief
The Tri-Merge Standard: Credit Reporting and Mortgage Market Safeguards
Lower credit-reporting fees improve affordability only if the savings survive their effects on mortgage eligibility, loan pricing, and risk.
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Policy Brief
The Debit Card Cap Goes Back to the Fed
The Eighth Circuit has set aside the Federal Reserve’s 21-cent debit card fee cap and ordered a rewrite built on marginal cost, a conflict with the D.C. Circuit that a ruling for the Board in Linney’s…
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Policy Brief
Rent-Pricing Bans Won’t Build Homes
Antitrust law already reaches landlords who coordinate rents through shared software; what has brought rents down is new housing, which a ban does not add.
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Policy Brief
Parity Should Not Depend on a Branch
The FDIC’s State Bank Parity proposal would put state-chartered banks on national banks’ footing wherever they serve customers; by the agency’s figures, Illinois’s interchange law would cost those banks $308 million to move $2.28 million a…
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Policy Brief
Who Paid for the Debit Card Cap
Fifteen years into the debit card cap, Federal Reserve research finds that few merchants cut prices and that banks recovered much of the lost revenue from checking customers, a record that argues against extending the approach…