Bank Regulation

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Stephen Matteo Miller
Senior Research Fellow
J. W. Verret
Senior Affiliated Scholar

Working Papers
Financial Markets
Private Policies and Public Power
Brian Knight, Trace Mitchell
October 9, 2019
Public Comments
Financial Markets
Harmonizing Private Securities Offering Exemptions
Andrew N. Vollmer
September 25, 2019
Expert Commentary
Regulation
Sanders-Ocasio-Cortez Plan to Cap Credit Card Interest Rates will Backfire on Consumers
USA Today
Todd Zywicki
June 21, 2019
Expert Commentary
Financial Markets
The Recent Decline in the Number of Banks
Stephen Matteo Miller, Joe Brunk, Vera Soliman
June 11, 2019
Expert Commentary
Financial Markets
Historical Perspectives on the Number of Banks
Stephen Matteo Miller, Joe Brunk, Vera Soliman
June 6, 2019
Public Comments
Regulation
Comment in Response to Proposed Rule on Payday, Vehicle-Title, and Certain High-Cost Installment Loans
Thomas W. Miller, Jr., Brian Knight
May 14, 2019
Expert Commentary
Regulation
Righting a Flawed Payday Loans Rule
RealClearPolicy
Thomas W. Miller, Jr.
March 27, 2019
Public Comments
Banking
Regulatory Capital Rule: Capital Simplification for Qualifying Community Banking Organizations
Stephen Matteo Miller
February 18, 2019
Working Papers
Monetary Policy
Money Demand and Seignorage Maximization before the End of the Zimbabwean Dollar
Stephen Matteo Miller, Thandinkosi Ndhlela
February 5, 2019
Expert Commentary
Financial Markets
On the Rising Regulatory Burden of Basel-Style Bank Capital Requirements
FinRegRag
Stephen Matteo Miller
December 14, 2018

Working Papers
Financial Markets
Private Policies and Public Power
Brian Knight, Trace Mitchell
October 9, 2019
Public Comments
Financial Markets
Harmonizing Private Securities Offering Exemptions
Andrew N. Vollmer
September 25, 2019
Public Comments
Regulation
Comment in Response to Proposed Rule on Payday, Vehicle-Title, and Certain High-Cost Installment Loans
Thomas W. Miller, Jr., Brian Knight
May 14, 2019
Public Comments
Banking
Regulatory Capital Rule: Capital Simplification for Qualifying Community Banking Organizations
Stephen Matteo Miller
February 18, 2019
Working Papers
Monetary Policy
Money Demand and Seignorage Maximization before the End of the Zimbabwean Dollar
Stephen Matteo Miller, Thandinkosi Ndhlela
February 5, 2019
Policy Briefs
Financial Markets
Yes, the Benefits of a Higher Leverage Ratio Can Exceed the Costs
James R. Barth, Stephen Matteo Miller
April 5, 2018
Public Comments
Financial Markets
Simplifications to the Capital Rule Pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996
Stephen Matteo Miller
December 11, 2017
Working Papers
Financial Markets
Benefits and Costs of a Higher Bank Leverage Ratio
James R. Barth, Stephen Matteo Miller
November 28, 2017
Data Visualizations
Regulation
Did Deregulation Cause the Financial Crisis?
Patrick McLaughlin, Oliver Sherouse
August 31, 2017
Data Visualizations
Regulation
Dodd-Frank Is One of the Biggest Regulatory Events Ever
Patrick McLaughlin, Oliver Sherouse, Daniel Francis
August 31, 2017

Books
Financial Markets
Reframing Financial Regulation
Hester Peirce, Benjamin Klutsey, Stephen Matteo Miller, Arnold Kling, Kristine Johnson, Garett Jones, Vera Soliman, Thomas W. Miller, Jr., J. W. Verret, Jerry Ellig, William Luther, Edward Stringham, Thomas L. Hogan, Todd Zywicki
December 14, 2016

Data Visualizations
Regulation
Did Deregulation Cause the Financial Crisis?
Patrick McLaughlin, Oliver Sherouse
August 31, 2017
Data Visualizations
Regulation
Dodd-Frank Is One of the Biggest Regulatory Events Ever
Patrick McLaughlin, Oliver Sherouse, Daniel Francis
August 31, 2017
Data Visualizations
Regulation
Dodd-Frank and the Federal Reserve’s Regulations
Patrick McLaughlin, Chad Reese, Oliver Sherouse
February 4, 2016
Data Visualizations
Financial Markets
Small Banks by the Numbers, 2000–2014
Hester Peirce, Stephen Matteo Miller
March 17, 2015
Data Visualizations
Regulation
Did Deregulation Cause the Financial Crisis? Examining a Common Justification for Dodd-Frank
Patrick McLaughlin, Robert Greene
July 19, 2013
Data Visualizations
Government Spending
Student Loans Held by the Federal Government
Veronique de Rugy
May 29, 2012

Federal Testimony
Financial Markets
Reforming Bank Examination Procedures and CFPB Authority
J. W. Verret
July 12, 2017
Federal Testimony
Financial Markets
Examining Legislative Proposals to Preserve Consumer Choice and Financial Independence
Hester Peirce
June 11, 2015
Federal Testimony
Financial Markets
Ending the Federal Reserve System’s Overreach into Credit Allocation
Lawrence H. White
March 12, 2014
Federal Testimony
Financial Markets
Rethinking the Federal Reserve's Many Mandates on its 100-Year Anniversary
Hester Peirce
December 12, 2013
Federal Testimony
Financial Markets
Regulatory Landscape: Burdens on Small Financial Institutions
Hester Peirce
December 3, 2013
Federal Testimony
Financial Markets
Regulatory Burdens: The Impact of Dodd-Frank on Community Banking
Hester Peirce
July 18, 2013
Federal Testimony
Monetary Policy
Fractional Reserve Banking
Lawrence H. White
June 28, 2012
Federal Testimony
Financial Markets
Written Testimony: Credit Card Practices - Current Consumer and Regulatory Issues
Todd Zywicki
April 26, 2007

Expert Commentary
Regulation
Sanders-Ocasio-Cortez Plan to Cap Credit Card Interest Rates will Backfire on Consumers
USA Today
Todd Zywicki
June 21, 2019
Expert Commentary
Financial Markets
The Recent Decline in the Number of Banks
Stephen Matteo Miller, Joe Brunk, Vera Soliman
June 11, 2019
Expert Commentary
Financial Markets
Historical Perspectives on the Number of Banks
Stephen Matteo Miller, Joe Brunk, Vera Soliman
June 6, 2019
Expert Commentary
Regulation
Righting a Flawed Payday Loans Rule
RealClearPolicy
Thomas W. Miller, Jr.
March 27, 2019
Expert Commentary
Financial Markets
On the Rising Regulatory Burden of Basel-Style Bank Capital Requirements
FinRegRag
Stephen Matteo Miller
December 14, 2018
Expert Commentary
Regulation
Did the Gramm-Leach-Bliley Act Deregulate?
FinRegRag
Stephen Matteo Miller
November 29, 2018
Expert Commentary
Financial Markets
Did the Gramm-Leach-Bliley Act Deregulate?
FinRegRag
Stephen Matteo Miller
November 19, 2018
Expert Commentary
Financial Regulation
No Need to Fight over the OCC's Fintech Charter
American Banker
Brian Knight
October 22, 2018
Expert Commentary
Banking
Pull the US out of the European Bank for Reconstruction and Development
Veronique de Rugy
August 7, 2018
Expert Commentary
Bitcoin
What Happens If Cryptocurrency Technologies Are Regulated as Securities?
Reason
Andrea O'Sullivan
June 27, 2018

Mercatus Original Podcast
Monetary Policy
Macro Musings 102: Morgan Ricks on Money as Infrastructure and Bank Regulations
Macro Musings
April 16, 2018
Mercatus Original Podcast
Financial Markets
Dodd-Frank Reform: 'Crapo Bill' and Beyond
March 14, 2018
Mercatus Original Podcast
Monetary Policy
Macro Musings 65: Stephen Miller on Financial Crises, Capital Requirements, and the US Banking System
Macro Musings
July 10, 2017
Mercatus Original Podcast
Monetary Policy
Macro Musings 40: Anat Admati on Debt, Equity, and Financial Instability
Macro Musings
January 16, 2017
Mercatus Original Podcast
Monetary Policy
Macro Musings 25: Morgan Ricks on The Money Problem, Financial Regulation, and Shadow Banking
Macro Musings
September 26, 2016
Radio Appearance
Financial Markets
J. W. Verret on KPCC's "Air Talk" Radio (California)
September 21, 2016
Event Video
Monetary Policy
Federal Reserve Reform: Monetary Policy and Beyond
Dino Falaschetti, Stephen Matteo Miller, Hester Peirce, Scott Sumner, J. W. Verret
May 27, 2015
TV Appearance
Government Spending
Antony Davies Discusses Bank Bailouts on The Blaze
Antony Davies
November 20, 2013

8:30am – 6:30pm
Mercatus Events
Monetary Policy
Monetary Rules for a Post-Crisis World
Scott Sumner, David Beckworth, George Selgin, Mark A. Calabria, David Glasner, David Laidler, Ylan Q. Mui, Robert Hetzel, David Papell, Ryan Avent, John B. Taylor, Perry Mehlring, Kevin Sheedy, Walker F. Todd, Cardiff Garcia, Miles Kimball, Peter Ireland, Greg Ip
2016
Sep
07
George Mason University, Arlington Campus Founders Hall, Room 125 3351 Fairfax Drive, Arlington, VA 22201
12:00pm – 1:30pm
Mercatus Events
Financial Markets
The Economics of Credit Cards
2010
Jun
08
B338 Rayburn House Office Building