Consumer protection
efforts and measures intended to protect consumers of goods or services against unfair practices in the marketplace
Policy Brief
Buried in Bias
The Center for Responsible Lending’s “Buried in Debt” report fails as policy analysis.
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.
Op-Ed
How payday loan restrictions can hurt the people they’re meant to help
Good intentions don’t pay the bills. But choice, transparency, and access can.
Originally published inAnchorage Daily News
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.
Policy Brief
Easier Cancellations, Harder Consequences: How the FTC’s “Click-to-Cancel” Rule Misses the Mark
The FTC’s new “Click-to-Cancel” rule simplifies subscription cancellations but risks stifling innovation and imposing costly burdens on businesses and consumers alike.
Policy Brief
The US Bank Simple Loan is Hardly Simple
The US Bank Simple Loan is a classic example of how big banks can take something simple and make it incredibly complex.
Policy Brief
The Wells Fargo Flex Loan is Anything But Flexible
Wells Fargo’s Flex Loan program is a labyrinth of unclear eligibility requirements and a baffling case of vanishing funds.
Op-Ed
Who’s protecting consumers from the Consumer Financial Protection Bureau?
If CFPB found a financial institution had suffered a data breach of a similar magnitude, the fines and fees would be astronomical.
Originally published inFox News