Banking Regulation

The Myth of Operation Choke Point

The Myth of Operation Choke Point

Scholar corrects the narrative that spawned laws prohibiting banks from cutting ties with the gun industry.

Regulators Propose Updates to Community Reinvestment Act Rules

Regulators Propose Updates to Community Reinvestment Act Rules

Financial regulators propose new rules to expand and modernize law that targets inequities in bank lending.

Recentering the Federal Reserve’s Removal Power

Recentering the Federal Reserve’s Removal Power

Scholars advocate the greater exercise of the Fed’s unique removal power.

CFPB Targets Illegal Junk Fees

CFPB Targets Illegal Junk Fees

New CFPB guidance puts banks on notice that unfair business practices may be met with enforcement action.

Is the United States Over Overdraft Fees?

Is the United States Over Overdraft Fees?

Experts discuss the regulation of bank overdraft fees.

Limiting Interest Rates Without Limiting Access to Credit

Limiting Interest Rates Without Limiting Access to Credit

Setting caps on interest rates can lead to unintended, negative consequences for borrowers.

Returning Morality to Small Dollar Lending

Returning Morality to Small Dollar Lending

Scholar argues that policymakers should reexamine usury laws and introduce public banking to combat payday lending.

Replacing the World’s Most Important Number

Replacing the World’s Most Important Number

Replacing the primary international interest rate poses risks, but policymakers are ready for the challenge.

The Cowboy State Tames Bitcoin’s Regulatory Wild West

The Cowboy State Tames Bitcoin’s Regulatory Wild West

Wyoming’s first cryptocurrency bank may herald a new era of U.S. cryptocurrency regulation.

Can Public Banking Save the Postal Service?

Can Public Banking Save the Postal Service?

Policymakers say that postal banking could offer financial support to underserved people while saving an American institution.

Climate Change Stress Testing

Climate Change Stress Testing

The Fed is beginning to consider policy responses to climate change.

A CBO for Racial Inequality?

A CBO for Racial Inequality?

A new oversight agency should monitor the Federal Reserve’s efforts to reduce racial inequality.