Federal Deposit Insurance Corporation
US government agency providing deposit insurance
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Policy Brief
Reject Price Controls on Credit
OppFi withdrew its BNC acquisition applications on November 3, 2026, while its merger agreement remained in effect. SPPI opposes interest-rate caps as price controls and calls for statutory review that supports qualified bank entry and credit…
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Policy Brief
Parity Should Not Depend on a Branch
The FDIC’s State Bank Parity proposal would put state-chartered banks on national banks’ footing wherever they serve customers; by the agency’s figures, Illinois’s interchange law would cost those banks $308 million to move $2.28 million a…
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Op-Ed
Elizabeth Warren Came to Dance On a Grave. The Corpse Was at Home
Sen. Elizabeth Warren spent months demanding regulators kill Enova International’s bank deal. On Sept. 14 she got her wish. Enova announced a buyback. As funerals go, it was upbeat. Enova withdrew its applications with the Comptroller…
Originally published inRealClearMarkets
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Op-Ed
When the Horseshoe Isn’t Just a Theory
Nowhere is the horseshoe theory more readily apparent than in consumer finance.
Originally published inNational Review
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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
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The CFPB’s outdated rule on small-dollar lending punishes working-class Americans by restricting access to the very credit they rely on to make ends meet.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