Depository Institutions Deregulation and Monetary Control Act of 1980
US financial statute passed in 1980
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Coalition Letter
SPPI Joins Coalition: Judge Bank Applications on the Statute, Not the Comment File
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.
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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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Op-Ed
Mortgage rates just fell below a crucial psychological threshold
The difference from a 6 percent rate is tiny, but the appeal to customers is big.
Originally published inThe Washington Post
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Policy Brief
Colorado’s War on Credit
Colorado’s HB23-1229 threatens consumer access to credit and economic growth.