The Cato Institute is a public policy research organization dedicated to the principles of individual liberty, limited government, free markets, and peace. Cato’s Center for Monetary and Financial Alternatives, at which I am a policy analyst, is dedicated to building a better tomorrow through monetary and financial alternatives — exploring policy reforms that capture the power of markets to provide for people’s welfare and developing ideas for a robust, resilient, innovative, and inclusive monetary and financial system worthy of a free and prosperous society.
I thank you and the CFPB for your leadership in the discussion of how consumer protection rules can encourage an inclusive, competitive, innovative, and stable mortgage market.
