Consumer protection
efforts and measures intended to protect consumers of goods or services against unfair practices in the marketplace
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Policy Brief
Buried in Bias
The Center for Responsible Lending’s “Buried in Debt” report fails as policy analysis.
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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.
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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
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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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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.
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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.
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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.
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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