- | Technology and Innovation Technology and Innovation
- | Expert Commentary Expert Commentary
States Can Attract More Entrepreneurs by Sharing Sandboxes | RealClearPolicy
- | Financial Markets Financial Markets
- | State Testimonies State Testimonies
Pennsylvania Should Consider Creating Regulatory Sandboxes
Click here to view Mr. Knight's testimony (16:43–27:40), and answers to questions (46:40 & 58:00).Chair Bizzarro and
- | Regulation Regulation
- | Policy Briefs Policy Briefs
POLICY SPOTLIGHT: Fintech Sandboxes
In this Policy Spotlight series, Mercatus scholars provide a high-level overview of their positions on key issues facing our
- | Expert Commentary Expert Commentary
India Bitcoin Ban Would Be a Terrible Idea
Read more at Bloomberg.
- | Regulation Regulation
- | Expert Commentary Expert Commentary
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
- | Expert Commentary Expert Commentary
Three Big Banking Challenges for the Biden Administration
The new White House will be pushed for answers on bank consolidation, fintech companies and what banks should do about climate
- | Financial Markets Financial Markets
- | Federal Testimonies Federal Testimonies
Fintech Regulation Needs to Keep Pace With Economic and Technological Evolution
Good day, Chairman Lynch, Ranking Member Emmer, and members of the Task Force on Financial Technology. Thank you for the
- | 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
- | Working Papers Working Papers
The Sandbox Paradox: Balancing the Need to Facilitate Innovation with the Risk of Regulatory Privilege
Regulatory burdens and uncertainty in the financial sector can cost companies money and make them risk averse. In such
- | 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
- | Technology and Innovation Technology and Innovation
- | Expert Commentary Expert Commentary
Congressional Libra Hearings Show It’s Tough to Innovate on Compliance
Facebook made waves with its recent announcement that it plans to launch a digital currency system called Libra. The proposed
- | Technology and Innovation Technology and Innovation
- | Expert Commentary Expert Commentary
The Limits of AI in Predicting Human Action
Anne Hobson and Walter Stover write on AI predicition of economic decisions.Read the article at Tech Liberation.
- | 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
I appreciate the opportunity to submit a comment to the Consumer Financial Protection Bureau (Bureau) in response to its
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
States Need New Arguments against OCC Fintech Charters
Innovation and competition are critical for driving improvement in our economy, allowing new and better ways of solving old
- | Financial Markets Financial Markets
- | Policy Briefs Policy Briefs
POLICY SPOTLIGHT: Fintech Lending
In this Policy Spotlight series, Mercatus scholars provide a high-level overview of their positions on key issues facing our
- | Urban Economics Urban Economics
- | Expert Commentary Expert Commentary
No Need to Fight over the OCC's Fintech Charter
Brian Knight writes about the challenges that states have brought against the Office of the Comptroller of the Currency’s recent
- | Financial Markets Financial Markets
- | Federal Testimonies Federal Testimonies
Potential Benefits and Risks of the Increased Use of Data in Financial Services Applications
Good morning, Chairman Crapo, Ranking Member Brown, and members of the committee. I thank you for inviting me to testify.My name
- | Technology and Innovation Technology and Innovation
- | Expert Commentary Expert Commentary
The Economist on Innovation Arbitrage
In recent essays and papers, I have discussed the growth of “innovation arbitrage,” which I defined as, “The movement of ideas
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
Fintech Sandboxes at the Bureau of Consumer Financial Protection
Bureau of Consumer Financial Protection (BCFP) Acting Director Mick Mulvaney recently announced his plans to begin a “fintech
