Banking Regulation

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.

Small Businesses of Color Matter Too

Small Businesses of Color Matter Too

Minority-owned businesses are vital to economic growth, but discriminatory lending hinders access to credit.

It Is Time for the Fed to Stop Bank Shareholder Payouts

It Is Time for the Fed to Stop Bank Shareholder Payouts

The Federal Reserve should order banks to preserve capital by retaining earnings and halting all shareholder payouts.

Regulating Cryptocurrency

Regulating Cryptocurrency

Scholar argues regulation is needed to address unbridled intermediary activity in cryptocurrency.

Can Sandboxes Protect Your Pocketbook?

Can Sandboxes Protect Your Pocketbook?

The CFPB has proposed new regulatory tools to promote innovation in the financial services sector.