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  • April 19, 2023
    Blog
    Who Stopped the Rescue of Silicon Valley Bank?
    Beyond the obvious implications for the potential cost to the FDIC insurance fund, this issue demonstrates at least one major problem with the U.S. bank regulatory framework: regulators have too much discretion.
    By Norbert Michel
  • April 13, 2023
    Blog
    The Right to a Jury Is Fundamental
    An agency imposed significant penalties without ever giving the defendant the right to a jury. That violated the Seventh Amendment.
    By Thomas A. Berry and Isaiah McKinney
  • April 11, 2023
    Blog
    Is FedNow a CBDC?
    Is FedNow a CBDC?
    While FedNow is not a CBDC, that doesn’t mean those concerned about CBDCs should let their guard down.
    By Nicholas Anthony
  • April 7, 2023
    Blog
    Treasury Department Can’t Help but Recognize DeFi Is Unique
    Treasury Department Can’t Help but Recognize DeFi Is Unique
    The Treasury Department’s DeFi report contains sparks of recognition that, on some level, DeFi is different from traditional finance—in enabling peer-to-peer financial transactions and potentially mitigating illicit finance risk through technology.
    By Jack Solowey and Jennifer J. Schulp
  • April 4, 2023
    Blog
    Announcing New CBDC Policy Analysis and Webpage
    Announcing New CBDC Policy Analysis and Webpage
    The report begins by dispelling some of the myths about the benefits of CBDCs. Then, the report turns to the risks posed by CBDCs and how they could mark a radical departure from the current financial system.
    By Nicholas Anthony
  • March 27, 2023
    Blog
    CFPB Going after Fees Would Restrict Credit Access
    CFPB Going after Fees Would Restrict Credit Access
    Whether it is attempting to restrict credit card interest rate, restricting payday lending, or any other restriction on prices, the lesson remains the same: mandating price controls to prohibit prices from rising will limit the supply of the good or service in question.
    By Nicholas Anthony
  • March 24, 2023
    Blog
    Is the UCC Paving the Way for a CBDC?
    Is the UCC Paving the Way for a CBDC?
    While the risks posed by CBDCs should not be understated, this change to the UCC does not appear to be the Trojan Horse that many have claimed it to be.
    By Nicholas Anthony
  • March 24, 2023
    Blog
    Senator Lee Pushes Back at CBDCs
    Senator Lee Pushes Back at CBDCs
    The potential consequences of a CBDC are simply too large to be left up to the discretion of unelected bureaucrats at the Fed or the Treasury. It’s a decision that should rest with Congress.
    By Nicholas Anthony and Norbert Michel
  • March 23, 2023
    Blog
    Government Shares - Even Golden Ones - Will Not Stop Bank Failures
    Either way, this idea puts too much faith in any individual to be able to recognize those “credible reasons to worry about the bank heading down a dangerous path” with “rapid growth in the riskiness or concentration of the bank’s assets or liabilities.”
    By Norbert Michel
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