Federal Reserve Bank of New York
American bank
-
Op-Ed
What Does a Pizza Have to Do With a Loan?
I was reading about Linney’s Pizza v. Board of Governors of the Federal Reserve System, a case involving a Kentucky pizza shop and the fees merchants pay on debit-card transactions, and it got me thinking about…
Originally published inDC Journal
-
White Paper No. 11
Fifty-Five Percent
Senator Elizabeth Warren’s own evidence explains the price she objects to and why blocking charters would shrink credit for the households most in need.
-
Testimony & Comments
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.
-
White Paper No. 10
Application Pending
68 million votes for more banks: how the campaign to politicize bank charters shrinks credit for households.
-
Op-Ed
California’s Crackdown on Consumer Credit Just Hit a Wall
The fight over bank-fintech partnerships is really a fight over price controls, preemption, and access to credit.
Originally published inDC Journal
-
Op-Ed
The dangers of credit card populism
Capping interest rates won’t create a fairer system.
Originally published inThe Washington Times
-
Op-Ed
Credit Card Rate Caps Will Lead To a Shortage of Credit Cards
Why a national credit card rate cap would shrink access and worsen inequality.
Originally published inRealClearMarkets
-
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
-
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