Dodd–Frank Act
regulatory act implemented by the Obama administration after the 2008 financial crisis
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Model Legislation
NAIC Transparency and Accountability Act
Michigan has required the National Association of Insurance Commissioners to report to its legislature since 1998. Forty-nine states have not. Model legislation, free to adopt, from the Southwest Public Policy Institute.
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Op-Ed
There’s No Such Thing as Free Data
The government should allow banks and software companies to negotiate the price of financial data freely.
Originally published inNational Review
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Policy Brief
Rewarding Failure: How Rohit Chopra’s Legacy at the CFPB is Crumbling
A so-called “consumer protection” agency became a case study in regulatory excess and misplaced praise.
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Policy Brief
Vought Charts New Path for the CFPB
Russell Vought signals a shift toward proportional, efficient regulation after years of CFPB overreach under Rohit Chopra.
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Op-Ed
Sen. Richard Durbin’s Long-Term Love Affair With Price Controls
Senator Dick Durbin has spent much of his career in a love affair with price controls. He flirted with them in his infamous Durbin Amendment, the addendum to the 2010 Dodd-Frank Act. He renewed his vows…
Originally published inRealClearMarkets
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Op-Ed
The CFPB Is Making It Harder For You To Pay Your Bills
The CFPB’s outdated rule on small-dollar lending punishes working-class Americans by restricting access to the very credit they rely on to make ends meet.
Originally published inRealClearMarkets
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Op-Ed
Credit card rewards are about to vanish, and guess who’s to blame?
This isn’t just about miles and points; it’s about economic freedom and financial choice.
Originally published inFox Business
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Op-Ed
Death by a thousand caps—State laws could kill credit card rewards
A group of states are pursuing similar efforts to cap credit card interchange fees, endangering rewards programs that customers value, and raising concerns about an illegal interstate compact.
Originally published inAmerican Banker