Senator Elizabeth Warren’s own evidence explains the price she objects to and why blocking charters would shrink credit for the households most in need.
Topic: Consumer Financial Protection Bureau
agency of the United States government responsible for consumer protection in the financial sector
A new SPPI report supplies the evidentiary record: 68 million Americans live in counties with no community bank headquarters, and rate caps move credit up the income ladder rather than lowering its price.
68 million votes for more banks: how the campaign to politicize bank charters shrinks credit for households.
How SPPI is driving transparency, market competition, and accountability in public policy.
State-level DIDMCA opt-outs threaten to fragment the national credit market.
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In the News: National Media and Policy Leaders Highlight SPPI
National media, policy leaders, and regional voices alike are amplifying SPPI’s research, analysis, and solutions.
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The CFPB’s Open Banking Mandate Is About to Break Rent
The CFPB’s open banking mandate, the 1033 rule, poses a critical risk to America’s rent payments.
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Report: 1033 Error, Rule Not Sound
The CFPB’s open-banking mandate endangers consumers.
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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
A so-called “consumer protection” agency became a case study in regulatory excess and misplaced praise.