- | Financial Markets Financial Markets
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A Suggested Mortgage Amortization Structure: Fixed Amortization, Adjustable Principal
The 30-year fixed-rate mortgage provides borrowers with a valuable benefit: certainty in cash flow. But this certainty comes at
- | Expert Commentary Expert Commentary
Is $3 (or Higher) Gas Here To Stay or Gone Tomorrow?
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
'CRA-ing' the OCC Is a Terrible Idea
CRA: Congressional Review Act. OCC: Office of the Comptroller of the Currency. Read more at The Hill.
- | Radio Appearance Radio Appearance
David Beckworth on The Lars Larson Show - Post-Pandemic Price Increases
David Beckworth comments on how long he expects price increases in consumer goods like gasoline and lumber to last. Listen on
- | Regulation Regulation
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Will the Biden CFPB Clamp down on Innovation and Regulatory Sandboxes?
Regulatory sandboxes aren't lawless wastelands; they're laboratories for developing common-sense approaches to regulation. Read
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Comment for the Comptroller of the Currency's Proposed Rule Regarding National Banks and Federal Savings Associations as Lenders
We appreciate the opportunity to submit a comment to the Office of the Comptroller of the Currency (OCC) in response to its
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Statement regarding CFPB Dodd-Frank Section 1033 Symposium
Section 1033 of the Dodd–Frank Wall Street Reform and Consumer Protection Act is, at first glance, a relatively noncontroversial
- | Financial Markets Financial Markets
- | Federal Testimonies Federal Testimonies
Innovation and Competition in Lending Improves Access to Credit
Good morning, Chairwoman Waters, Ranking Member McHenry, and members of the committee. Thank you for inviting me to testify.My
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Policymakers Should Reevaluate the Premises That Led to an Overhaul of Regulation Z
I appreciate the opportunity to submit a comment to the Consumer Financial Protection Bureau (Bureau) in response to possible
- | Regulation Regulation
- | Expert Commentary Expert Commentary
Sanders-Ocasio-Cortez Plan to Cap Credit Card Interest Rates will Backfire on Consumers
Todd Zywicki examines the possible unintended consequences of a proposal to cap credit card interest rates.Read it at the USA
- | Expert Commentary Expert Commentary
Homeowners Make the Best Landlords
My previous post outlined how landlords add value to the service of shelter. But if landlords presented no downsides, then no
- | Financial Markets Financial Markets
- | Policy Briefs Policy Briefs
Will SEC Regulation Best Interest Protect Investors?
The Securities and Exchange Commission (SEC) has proposed to hold securities brokers to a stricter regulatory standard when they
- | Monetary Policy Monetary Policy
- | Policy Briefs Policy Briefs
The Economic Situation, June 2019
The Economy at HalftimeWe are at the year’s midpoint, a good time to assess 2019’s first five months. In short, the US economic
- | Academic & Student Programs Academic & Student Programs
- | Healthcare Healthcare
- | Books Books
Why Are the Prices So Damn High?
Why are prices in some sectors increasing dramatically even as economy-wide technology and productivity improves? Education and
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Comment in Response to Proposed Rule on Payday, Vehicle-Title, and Certain High-Cost Installment Loans
We appreciate the opportunity to respond to the Bureau of Consumer Financial Protection’s (Bureau) proposed rule governing
- | Financial Markets Financial Markets
- | Books Books
How Do Small-Dollar, Nonbank Loans Work?
Millions of Americans rely on small-dollar, non-bank-supplied credit products: payday, pawn, vehicle title, and personal
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How Much Is Your Education Worth? Depends How Much You Make
Tyler Cowen writes on an innovative higher education payment methods which allows students to "sell shares" of their future
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Scared of Stocks? Buy a House Instead
Tyler Cowen writes to dispel the notion that home buying is an unsafe investment.Read it at Bloomberg.
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Righting a Flawed Payday Loans Rule
Thomas Miller writes on a new regulatory proposal by the Consumer Financial Protection Bureau regarding payday lenders.Read it
- | Expert Commentary Expert Commentary
‘Pay-As-You-Go’ Threatens the Future of Retirement
Anne Hobson and Hunter Cox explain the problems of a "pay-as-you-go" method for Social Security contributions.Read it at Inside