Financial Regulation

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Hester Peirce
Former Senior Research Fellow
Stephen Matteo Miller
Senior Research Fellow
J. W. Verret
Senior Affiliated Scholar
Brian Knight
Senior Research Fellow

Policy Briefs
Financial Markets
Why Government Shouldn’t Regulate Reputation Risk at Banks
Julie Hill
April 23, 2020
Working Papers
Financial Markets
The Sandbox Paradox: Balancing the Need to Facilitate Innovation with the Risk of Regulatory Privilege
Brian Knight, Trace Mitchell
March 26, 2020
Public Comments
Financial Markets
Statement regarding CFPB Dodd-Frank Section 1033 Symposium
Brian Knight
February 26, 2020
Federal Testimony
Financial Markets
Innovation and Competition in Lending Improves Access to Credit
Brian Knight
February 5, 2020
Policy Briefs
Financial Markets
Reforming Index Fund Voting
Caleb Griffin
February 4, 2020
Public Comments
Financial Markets
Comment for the Federal Deposit Insurance Corporation's Proposed Rule regarding Federal Interest Rate Authority
Brian Knight, Trace Mitchell
February 4, 2020
Public Comments
Financial Markets
Comment for the Comptroller of the Currency’s Proposed Rule regarding Permissible Interest on Loans That Are Sold, Assigned, or Otherwise Transferred
Brian Knight, Trace Mitchell
January 21, 2020
Policy Briefs
Financial Markets
Some Challenges for Congress’s Proposed Reform of Insider Trading Plans
John P. Anderson
November 13, 2019
Public Comments
Monetary Policy
FedNow Portends a More Competitive and Resilient Payments System
Thomas Hoenig
November 8, 2019
Expert Commentary
Financial Markets
A Proposal for a Securities Offering Exemption That Eliminates Accredited Investor Distinctions
Andrew N. Vollmer
October 24, 2019

Books
Financial Markets
How Do Small-Dollar, Nonbank Loans Work?
Thomas W. Miller, Jr.
April 24, 2019
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, Todd Zywicki, Thomas L. Hogan, William Luther, Edward Stringham
December 14, 2016
Books
Monetary Policy
The Midas Paradox: Financial Markets, Government Policy Shocks, and the Great Depression
Scott Sumner
December 1, 2015
Independent Institute
Books
F. A. Hayek Program
Consumer Credit and the American Economy
Todd Zywicki
August, 2014
Oxford University Press
Books
Financial Markets
Dodd-Frank: What It Does and Why It's Flawed
Hester Peirce, James Broughel
January 8, 2013
Books
Corporate Welfare
The Pathology of Privilege: The Economic Consequences of Government Favoritism
Matthew D. Mitchell
July 8, 2012

Data Visualizations
Regulation
The Unbearable Weight of the IRS
Patrick McLaughlin, Stephen Strosko , Andrew DeJoy
December 7, 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
Data Visualizations
Regulation
Regulatory Accumulation in the Financial Sector
Patrick McLaughlin, Oliver Sherouse, Stephen Strosko
August 31, 2017
Data Visualizations
Regulation
The Dodd-Frank Wall Street Reform and Consumer Protection Act May Be the Biggest Law Ever
Patrick McLaughlin, Oliver Sherouse
July 20, 2015
Data Visualizations
Monetary Policy
“Bailout Barometer” Shows the Growing Risk to Taxpayers
Veronique de Rugy
June 16, 2015
Data Visualizations
Financial Markets
Credit Cards Have Not Increased Consumer Debt Burden
Todd Zywicki
April 29, 2015
Data Visualizations
Financial Markets
Small Banks by the Numbers, 2000–2014
Hester Peirce, Stephen Matteo Miller
March 17, 2015
Data Visualizations
Regulation
Measuring the Dodd-Frank Act (and Other Major Acts) with RegData 2.0
Patrick McLaughlin
September 23, 2014
Data Visualizations
Corporate Welfare
The Biggest Beneficiaries of the Ex-Im Bank
Veronique de Rugy
April 29, 2014

Federal Testimony
Financial Markets
Innovation and Competition in Lending Improves Access to Credit
Brian Knight
February 5, 2020
Federal Testimony
FinTech
Potential Benefits and Risks of the Increased Use of Data in Financial Services Applications
Brian Knight
September 18, 2018
Federal Testimony
Financial Markets
Modernizing Regulation to Encourage FinTech Innovation
Brian Knight
January 30, 2018
Federal Testimony
Financial Markets
Reforming Bank Examination Procedures and CFPB Authority
J. W. Verret
July 12, 2017
Federal Testimony
Financial Markets
Reforming the Financial System So It Works for the Rest of the System
Hester Peirce
April 26, 2017
Federal Testimony
Financial Markets
Statement of Hester Maria Peirce
Hester Peirce
March 15, 2016
Federal Testimony
Financial Markets
Preserving and Expanding Consumer Access to Credit Products along the Nonbank-Supplied Small-Dollar Loan Landscape
Thomas W. Miller, Jr.
February 11, 2016
Federal Testimony
Financial Markets
Reconsidering the SIPC
J. W. Verret
September 30, 2015
Federal Testimony
Financial Markets
Examining Legislative Proposals to Preserve Consumer Choice and Financial Independence
Hester Peirce
June 11, 2015
Federal Testimony
Financial Markets
The Dodd-Frank Act and Regulatory Overreach
Hester Peirce
May 13, 2015

Expert Commentary
Financial Markets
A Proposal for a Securities Offering Exemption That Eliminates Accredited Investor Distinctions
Andrew N. Vollmer
October 24, 2019
Expert Commentary
Technology and Innovation
Congressional Libra Hearings Show It’s Tough to Innovate on Compliance
Andrea O'Sullivan
July 18, 2019
Expert Commentary
Financial Markets
On Bank Size and Bank Asset Holdings
Stephen Matteo Miller, Joe Brunk, Conor Norris
June 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
On the Historical Rise and (Recent) Decline in the Number of Banks
Stephen Matteo Miller, Vera Soliman, Joe Brunk
June 18, 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
Financial Markets
Round Two: What Role Should the Federal Reserve Play in Developing a Faster Payments System?
Brian Knight, James Angel, Aaron Klein, George Selgin
April 26, 2019
Expert Commentary
Financial Markets
Round One: What Role Should the Federal Reserve Play in Developing a Faster Payments System?
James Angel, Aaron Klein, George Selgin
April 25, 2019
Expert Commentary
Financial Markets
Introduction: What Role Should the Federal Reserve Play in Developing a Faster Payments System?
Brian Knight
April 24, 2019

Mercatus Original Podcast
Monetary Policy
Bond Markets and Macroeconomics
Macro Musings
April 29, 2019
Mercatus Original Podcast
Financial Markets
Preventing Bank Failures from Becoming Bank Crises
March 19, 2019
TV Appearance
Regulation
Veronique de Rugy on Fox Business’ “Making Money with Charles Payne”
Veronique de Rugy
January 31, 2019
Mercatus Original Podcast
Monetary Policy
Victoria Guida on the Politics of Monetary Policy
Macro Musings
December 3, 2018
Mercatus Original Podcast
Financial Markets
What Are ICOs, and Why Do They Matter?
June 12, 2018
Radio Appearance
Financial Markets
J. W. Verret on the Jim Bohannon Radio Show
May 23, 2018
The SoundCloud content at https://soundcloud.com/user-968807757/j-w-verret-on-the-jim-bohannon-radio-show-may-23-2018 is not available, or it is set to private.
Radio Appearance
Financial Markets
J. W. Verret on the Steve Gruber Radio Show
April 17, 2018
The SoundCloud content at https://soundcloud.com/user-968807757/j-w-verret-on-the-steve-gruber-radio-show-april-17-2018 is not available, or it is set to private.
Mercatus Original Podcast
Financial Markets
Dodd-Frank Reform: 'Crapo Bill' and Beyond
March 14, 2018
Event Video
Financial Markets
Smart Financial Regulation Roundtable - Regulating Derivatives Markets
November 17, 2017
TV Appearance
Financial Markets
J.W. Verret on Fox News “Special Report with Bret Baier”
J. W. Verret
October 24, 2017

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 – 1:00pm
Mercatus Events
Financial Markets
An Examination of Federal Reserve Policy
Scott Sumner, David Beckworth
2016
Feb
24
Senate Visitors Center 203
8:30am – 2:00pm
Mercatus Events
Financial Markets
Financing the Future: The Role of the Financial System in Fostering Economic Growth
2015
Jun
17
The Liaison Capitol Hill 415 New Jersey Ave. NW Washington, DC 20001
2:00pm – 3:30pm
Mercatus Events
F. A. Hayek Program
Todd Zywicki Book Panel: Consumer Credit and the American Economy
2014
Dec
04
George Mason University, Arlington Campus Founders Auditorium, Room 134
Mercatus Events
Financial Markets
After Dodd-Frank: The Future of Financial Markets
Rep. Jeb Hensarling, Rep. Patrick McHenry, Richard Kovacevich, Tyler Cowen, Dino Falaschetti, Daniel M. Rothschild, Sharon Brown-Hruska, John Coates, Daniel M. Gallagher, Josh Rosner
2014
Jul
16
11:30am – 1:00pm
Mercatus Events
Financial Markets
The Real Story of AIG’s Failure and Why Dodd-Frank Didn’t Fix It
Hester Peirce
2014
Jun
17
Russell Senate Office Building 188
5:30pm – 7:30pm
Supporter Events
Financial Markets
Invite Only
Chicago Special Event for Our Supporters and Friends
2014
Jun
12
8:30am – 10:00am
Mercatus Events
Financial Markets
Consumer Protection and the CFPB: What Are the Consequences for Consumers?
2014
Apr
17
Hyatt Regency on Capitol Hill, 400 New Jersey Avenue NW, Washington, DC
9:00am – 2:00pm
Mercatus Events
Financial Markets
POSTPONED: The Mercatus Consumer Credit Conference: Consumer Choice and Safety after the Financial Crisis
2013
Oct
24
Hotel Monaco, Washington, DC
12:00pm – 1:00pm
Mercatus Events
Technology and Innovation
The Search for Solutions: Looking Beyond Prescriptive Regulation
Jerry Brito, J. W. Verret
2012
May
01
Rayburn B 339