Federal Trade Commission
United States federal government agency
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Letter to the Editor
Banning personalized pricing isn’t fairness
You kept your driving record clean and paid your bills on time. Your insurer and your bank noticed and they charged you less. That’s personalized pricing. Insurers and lenders call it underwriting. A campaign to outlaw…
Originally published inThe Washington Times
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Coalition Letter
SPPI Joins Coalition Urging FTC to Revise Its Personalized Pricing Proposal
The letter asks the Federal Trade Commission to narrow its proposed personalized pricing policy statement, require proof that a consumer’s personal data affected the price before alleging a violation, and protect ordinary discounts and price changes.
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Op-Ed
Indebted Americans need help, not restrictions on settlement services
According to research from The Federal Reserve Bank of New York, roughly 60% of the 175 million American adults holding credit cards carry a balance.
Originally published inAmerican Banker
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Op-Ed
Zillow traps buyers into overpriced mortgages, and it’s costing Americans $65 billion annually
Americans who bought homes since 2022 now collectively pay an estimated $65 billion annually in avoidable mortgage costs. That figure, published in new Bankrate research based on 3.2 million mortgage originations tracked in federal housing data…
Originally published inWashington Examiner
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Policy Brief
Out of One, Many
Why banks, payment networks, merchant servicers, and financial firms will face a harder four years, and what to do about it.
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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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Op-Ed
President-elect Trump should declare a ceasefire in the war on credit
Thought exercise: What would your life look like without access to credit? No credit cards, no buying a house or vehicle without cash on hand and no access to something as simple as overdraft protection tied…
Originally published inAmerican Banker