White Paper
Numbered research publications (No. NN) with a DOI and PDF.
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White Paper No. 14
The Moral Hierarchy of Debt
Why America’s most trusted loan is its most expensive, and who decided otherwise.
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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.
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White Paper No. 10
Application Pending
68 million votes for more banks: how the campaign to politicize bank charters shrinks credit for households.
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White Paper
The Case Against 50-Year Mortgages
How will Washington’s housing “fix” entrench debt, inflate prices, and undermine the American Dream?
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White Paper
Black Market Payday
How government price controls created an illicit supply of emergency credit.