Latest work in Financial Regulations
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Adopting the SEC's Proposed Climate-Change Disclosure Rules Would Be Unwise
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
The SEC Lacks Legal Authority to Adopt Climate-Change Disclosure Rules
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Considerations for the ATS Proposal
- | Financial Markets Financial Markets
- | State Testimonies State Testimonies
Maryland Should Consider Creating a Regulatory Sandbox
House Economic Matters Committee
- | Financial Markets Financial Markets
- | State Testimonies State Testimonies
Missouri Should Consider Creating a Regulatory Sandbox
Missouri House of Representatives, Committee on Economic Development
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Bank Instability Concerns Asset Risk and Leverage Rather Than Size
- | Financial Markets Financial Markets
- | State Testimonies State Testimonies
Nebraska Should Consider Creating Regulatory Sandboxes
Nebraska Banking, Commerce, and Insurance Committee
- | State Testimonies State Testimonies
Virginia Should Consider Creating Regulatory Sandboxes
- | Financial Markets Financial Markets
- | State Testimonies State Testimonies
Virginia Should Consider Creating Regulatory Sandboxes
- | Financial Markets Financial Markets
- | State Testimonies State Testimonies
Ohio Should Consider Creating Regulatory Sandboxes
Ohio Senate Financial Institutions and Technology Committee
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Proposed Leverage Buffer and Credit Risk Transfer Rules Contradict the FHFA's Goals
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Proxy Voting by Mutual Fund Investment Advisers
- | Financial Markets Financial Markets
- | Policy Briefs Policy Briefs
A Suggested Mortgage Amortization Structure: Fixed Amortization, Adjustable Principal
- | Financial Markets Financial Markets
- | Policy Briefs Policy Briefs
Did Basel III Regulations Dampen Lending at Large Banks?
- | Financial Markets Financial Markets
- | Policy Briefs Policy Briefs
Does the SEC Have Legal Authority to Adopt Climate-Change Disclosure Rules?
- | Financial Markets Financial Markets
- | State Testimonies State Testimonies
Pennsylvania Should Consider Creating Regulatory Sandboxes
Testimony before the Pennsylvania House Democratic Policy Committee
- | Expert Commentary Expert Commentary
Crypto Finally Has a Reason to Exist
The future of cryptocurrency may well depend on the future of decentralized finance, which is uncertain but growing.
Latest work in Financial Regulations
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Adopting the SEC's Proposed Climate-Change Disclosure Rules Would Be Unwise
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
The SEC Lacks Legal Authority to Adopt Climate-Change Disclosure Rules
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Considerations for the ATS Proposal
- | Financial Markets Financial Markets
- | State Testimonies State Testimonies
Maryland Should Consider Creating a Regulatory Sandbox
House Economic Matters Committee
- | Financial Markets Financial Markets
- | State Testimonies State Testimonies
Missouri Should Consider Creating a Regulatory Sandbox
Missouri House of Representatives, Committee on Economic Development
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Bank Instability Concerns Asset Risk and Leverage Rather Than Size
- | Financial Markets Financial Markets
- | State Testimonies State Testimonies
Nebraska Should Consider Creating Regulatory Sandboxes
Nebraska Banking, Commerce, and Insurance Committee
- | State Testimonies State Testimonies
Virginia Should Consider Creating Regulatory Sandboxes
- | Financial Markets Financial Markets
- | State Testimonies State Testimonies
Virginia Should Consider Creating Regulatory Sandboxes
- | Financial Markets Financial Markets
- | State Testimonies State Testimonies
Ohio Should Consider Creating Regulatory Sandboxes
Ohio Senate Financial Institutions and Technology Committee
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Proposed Leverage Buffer and Credit Risk Transfer Rules Contradict the FHFA's Goals
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Proxy Voting by Mutual Fund Investment Advisers
- | Financial Markets Financial Markets
- | Policy Briefs Policy Briefs
A Suggested Mortgage Amortization Structure: Fixed Amortization, Adjustable Principal
- | Financial Markets Financial Markets
- | Policy Briefs Policy Briefs
Did Basel III Regulations Dampen Lending at Large Banks?
- | Financial Markets Financial Markets
- | Policy Briefs Policy Briefs
Does the SEC Have Legal Authority to Adopt Climate-Change Disclosure Rules?
- | Financial Markets Financial Markets
- | State Testimonies State Testimonies
Pennsylvania Should Consider Creating Regulatory Sandboxes
Testimony before the Pennsylvania House Democratic Policy Committee
- | Expert Commentary Expert Commentary
Crypto Finally Has a Reason to Exist
The future of cryptocurrency may well depend on the future of decentralized finance, which is uncertain but growing.
Latest work in Financial Regulations
- | Financial Markets Financial Markets
- | Book Chapters Book Chapters
Gaining and Shedding Dodd-Frank’s Systemically Important Financial Institution (SIFI) Label
- | Financial Markets Financial Markets
- | Working Papers Working Papers
What Theory and the Empirical Evidence Tell Us about Proxy Access
- | Academic & Student Programs Academic & Student Programs
- | Financial Markets Financial Markets
- | Working Papers Working Papers
Small-Business Financing after the Financial Crisis: Lessons from the Literature
- | Monetary Policy Monetary Policy
- | Working Papers Working Papers
The Monetary Policy Origins of the Eurozone Crisis
- | Financial Markets Financial Markets
- | Journal Articles Journal Articles
Derivatives Clearinghouses: Clearing the Way to Failure
- | Financial Markets Financial Markets
- | Book Chapters Book Chapters
Revisiting Title IV: Why Mandatory SEC Registration for Hedge-Fund Advisers Is Not Necessary
- | Financial Markets Financial Markets
- | Book Chapters Book Chapters
Title V and the Creeping Federalization of Insurance Regulation
- | Financial Markets Financial Markets
- | Book Chapters Book Chapters
No Need for Title VI with Simpler, Higher Capital
- | Monetary Policy Monetary Policy
- | Journal Articles Journal Articles
Nudging the Fed Toward a Rules-Based Policy Regime
- | Academic & Student Programs Academic & Student Programs
- | Financial Markets Financial Markets
- | Journal Articles Journal Articles
Alternatives to the Federal Deposit Insurance Corporation
- | Monetary Policy Monetary Policy
- | Books Books
The Midas Paradox: Financial Markets, Government Policy Shocks, and the Great Depression
- | Financial Markets Financial Markets
- | Working Papers Working Papers
The Law and Economics of Consumer Debt Collection and Its Regulation
- | Financial Markets Financial Markets
- | Working Papers Working Papers
The Consumer Financial Protection Bureau’s Arbitration Study
A Summary and Critique
- | Regulation Regulation
- | Data Visualizations Data Visualizations
The Dodd-Frank Wall Street Reform and Consumer Protection Act May Be the Biggest Law Ever
- | Financial Markets Financial Markets
- | Research Papers Research Papers
After the Crisis: Revisiting the “Banks Are Special” and “Safety Net” Doctrines
- | Monetary Policy Monetary Policy
- | Data Visualizations Data Visualizations
“Bailout Barometer” Shows the Growing Risk to Taxpayers
- | Financial Markets Financial Markets
- | Data Visualizations Data Visualizations
Credit Cards Have Not Increased Consumer Debt Burden
- | Financial Markets Financial Markets
- | Data Visualizations Data Visualizations
Small Banks by the Numbers, 2000–2014
- | Monetary Policy Monetary Policy
- | Research Papers Research Papers
"Timely, Targeted, and Temporary?" An Analysis of Government Expansions over the Past Century
- | Financial Markets Financial Markets
- | Working Papers Working Papers
The Financial Industry Regulatory Authority: Not Self-Regulation after All
Latest work in Financial Regulations
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Harmonizing Private Securities Offering Exemptions
- | 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
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Comment Regarding the Consumer Financial Protection Bureau's Proposed No-Action Letter and Product Sandbox Policies
- | Financial Markets Financial Markets
- | Federal Testimonies Federal Testimonies
Potential Benefits and Risks of the Increased Use of Data in Financial Services Applications
Testimony before the Senate Committee on Banking, Housing, and Urban Affairs
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Comment on Proposed Rulemaking for Regulatory Capital Rules
The Supplementary Leverage Ratio Means Supplementary Complexity
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Comment in Response to the CFPB's Request for Information on Its Enforcement Practices
- | Financial Markets Financial Markets
- | Federal Testimonies Federal Testimonies
Modernizing Regulation to Encourage FinTech Innovation
Testimony before the House Committee on Financial Services, Subcommittee on Financial Institutions and Consumer Credit Examining Opportunities and Challenges in the Financial Technology (“Fintech”) Marketplace
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Simplifications to the Capital Rule Pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Comment on the Small Business Lending Market
- | Financial Markets Financial Markets
- | Federal Testimonies Federal Testimonies
Reforming Bank Examination Procedures and CFPB Authority
Testimony before the House Financial Services Committee Subcommittee on Financial Institutions and Consumer Credit
- | Financial Markets Financial Markets
- | Federal Testimonies Federal Testimonies
Reforming the Financial System So It Works for the Rest of the System
Testimony before the House Committee on Financial Services
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Ending Too-Big-to-Fail May Require More Than the Minneapolis Fed Too-Big-to-Fail Plan
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Response to OCC White Paper Exploring Special Purpose National Bank Charters for Fintech Companies
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
FDIC Guidance for Third-Party Lending
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Comment on the CFPB’s Rule on Payday, Vehicle Title, and Certain High-Cost Installment Loans
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Comment on Proposed Rule on Arbitration Agreements, 12 CFR Part 1040
Letter to the Office of the Executive Secretary, Bureau of Consumer Financial Protection
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
Regulating FinTech: Creating a Regulatory Regime that Enables Innovation While Providing Appropriate Consumer Protection
- | Financial Markets Financial Markets
- | Public Interest Comments Public Interest Comments
The Potential Effects of Reg AT: Unintended Risks and Diminished Cooperation with Market Participants
- | Financial Markets Financial Markets
- | Federal Testimonies Federal Testimonies
Statement of Hester Maria Peirce
Testimony before the Senate Committee on Banking, Housing, and Urban Affairs
- | Financial Markets Financial Markets
- | Federal Testimonies Federal Testimonies
Preserving and Expanding Consumer Access to Credit Products along the Nonbank-Supplied Small-Dollar Loan Landscape
Testimony before the House Committee on Financial Services, Subcommittee on Financial Institutions and Consumer Credit
Latest work in Financial Regulations
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
On the Historical Rise and (Recent) Decline in the Number of Banks
A Series on Bank Size and Concentration
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
The Recent Decline in the Number of Banks
A Series on Bank Size and Concentration
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
Historical Perspectives on the Number of Banks
A Series on Bank Size and Concentration
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
Round Two: What Role Should the Federal Reserve Play in Developing a Faster Payments System?
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
Round One: What Role Should the Federal Reserve Play in Developing a Faster Payments System?
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
Introduction: What Role Should the Federal Reserve Play in Developing a Faster Payments System?
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
How to Build a Good Regulatory Sandbox
Four Principles to Help Policymakers Get It Right
- | Regulation Regulation
- | Expert Commentary Expert Commentary
Righting a Flawed Payday Loans Rule
- | Expert Commentary Expert Commentary
Righting a Flawed Payday Loans Rule
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
Proposals to Curb Share Repurchases Could Hurt Workers, Economy
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
On the Rising Regulatory Burden of Basel-Style Bank Capital Requirements
- | Regulation Regulation
- | Expert Commentary Expert Commentary
Did the Gramm-Leach-Bliley Act Deregulate?
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
Did the Gramm-Leach-Bliley Act Deregulate?
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
Another Chance at Bipartisan Financial Regulatory Reform?
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
Are Banks That Engage in Political Activism Really 'Private'?
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
Research Round-Up: A Federal Role for Fintech Regulation and New Research on Land Development
- | Housing Housing
- | Expert Commentary Expert Commentary
No Need to Fight over the OCC's Fintech Charter
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
Why We Have to Get FinTech Regulations Right
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
The Recourse Rule and Its Role in the Last Crisis: An Update
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary