As the economy recovers from the fallout of COVID-19, policymakers should consider committing to a long-term, systematic deleveraging of the banking sector.

| Financial Markets Financial Markets
| Mercatus Original Podcasts Mercatus Original Podcasts
| Mercatus Policy Download Mercatus Policy Download

Dodd-Frank Reform: 'Crapo Bill' and Beyond

March 14, 2018

The future of financial regulator policy now lies with the agencies. So what should be on the agenda?

Testimony & Public Comments

Latest work in Bank Regulations

| Financial Markets Financial Markets
| Public Interest Comments Public Interest Comments

The FDIC Should Restore the OSA or, at Minimum, Solicit Public Views before Regressing to the SARC

By
- Thomas Hoenig
- Brian Knight
November 9, 2022

Guidelines for Appeals of Material Supervisory Determinations

| Financial Markets Financial Markets
| Public Interest Comments Public Interest Comments

The FDIC Should Restore the OSA or, at Minimum, Solicit Public Views before Regressing to the SARC

By
- Brian Knight
- Thomas Hoenig
June 14, 2022

| Financial Markets Financial Markets
| Public Interest Comments Public Interest Comments

Bank Instability Concerns Asset Risk and Leverage Rather Than Size

By
- Stephen Matteo Miller
February 15, 2022

| Financial Markets Financial Markets
| Public Interest Comments Public Interest Comments

Comment on the OCC’s Fair Access to Financial Services Proposal

By
- Brian Knight
December 15, 2020

| Financial Markets Financial Markets
| Federal Testimonies Federal Testimonies

Fintech Regulation Needs to Keep Pace With Economic and Technological Evolution

By
- Brian Knight
September 29, 2020

Testimony before the US Committee on Financial Services, Task Force on Financial Technology

| Financial Markets Financial Markets
| Public Interest Comments Public Interest Comments

Comment on Regulatory Capital Rule: Temporary Exclusion of U.S. Treasury Securities and Deposits at Federal Reserve Banks From the Supplementary Leverage Ratio for Depository Institutions

By
- Stephen Matteo Miller
July 16, 2020

| Financial Markets Financial Markets
| Public Interest Comments Public Interest Comments

Comment on Regulatory Capital Rule: Temporary Exclusion of U.S. Treasury Securities and Deposits at Federal Reserve Banks From the Supplementary Leverage Ratio

By
- Stephen Matteo Miller
June 5, 2020

| Financial Markets Financial Markets
| Public Interest Comments Public Interest Comments

Comment for the Comptroller of the Currency’s Proposed Rule regarding Permissible Interest on Loans That Are Sold, Assigned, or Otherwise Transferred

By
- Brian Knight
- Trace Mitchell
January 21, 2020

| Financial Markets Financial Markets
| Public Interest Comments Public Interest Comments

Harmonizing Private Securities Offering Exemptions

By
- Andrew N. Vollmer
September 25, 2019

| 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

By
- Thomas W. Miller, Jr.
- Brian Knight
May 14, 2019

| Public Interest Comments Public Interest Comments

Regulatory Capital Rule: Capital Simplification for Qualifying Community Banking Organizations

By
- Stephen Matteo Miller
February 18, 2019

| 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

By
- Stephen Matteo Miller
December 11, 2017

| Financial Markets Financial Markets
| Federal Testimonies Federal Testimonies

Reforming Bank Examination Procedures and CFPB Authority

By
- J. W. Verret
July 12, 2017

Testimony before the House Financial Services Committee Subcommittee on Financial Institutions and Consumer Credit

| 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

By
- Stephen Matteo Miller
January 18, 2017

| Financial Markets Financial Markets
| Public Interest Comments Public Interest Comments

Comment on the Proposed Rule Regarding Receiverships for Uninsured National Banks

By
- Brian Knight
- J. W. Verret
November 14, 2016

| Financial Markets Financial Markets
| Public Interest Comments Public Interest Comments

FDIC Guidance for Third-Party Lending

By
- Brian Knight
October 19, 2016

| Financial Markets Financial Markets
| Public Interest Comments Public Interest Comments

TLAC: Off to a Good Start but Still Lacking

By
- Stephen Matteo Miller
January 29, 2016

Before the Federal Reserve System

| Financial Markets Financial Markets
| Federal Testimonies Federal Testimonies

Examining Legislative Proposals to Preserve Consumer Choice and Financial Independence

By
- Hester Peirce
June 11, 2015

Testimony before the House Committee on Financial Services

| Financial Markets Financial Markets
| Federal Testimonies Federal Testimonies

Ending the Federal Reserve System’s Overreach into Credit Allocation

By
- Lawrence H. White
March 12, 2014

Testimony Before the Subcommittee on Monetary Policy and Trade House Committee on Financial Services

| Financial Markets Financial Markets
| Federal Testimonies Federal Testimonies

Rethinking the Federal Reserve's Many Mandates on its 100-Year Anniversary

By
- Hester Peirce
December 12, 2013

Testimony Before the House Committee on Financial Services

Commentary

Latest work in Bank Regulations

| Financial Markets Financial Markets
| Expert Commentary Expert Commentary

The CFPB Cannot Be Made Immune to the Constitution | The American Banker

By
- Brian Knight
November 7, 2022

| Expert Commentary Expert Commentary

The Unchecked Power of Federal Bank Regulators | The Hill

By
- Thomas Hoenig
- Brian Knight
November 2, 2022

| Expert Commentary Expert Commentary

If You Use a Bank Account, Don’t Get on the Wrong Side of the Government | Discourse

By
- Brian Knight
April 1, 2022

| Financial Markets Financial Markets
| Expert Commentary Expert Commentary

Three Big Banking Challenges for the Biden Administration

By
- Thomas Hoenig
February 8, 2021

| Announcements Announcements

Hoenig Joins AABD Task Force

By
- Thomas Hoenig
February 2, 2021

| Financial Markets Financial Markets
| Expert Commentary Expert Commentary

Revitalizing Small Businesses in Post-Pandemic America

By
- Thomas Hoenig
September 14, 2020

Small banks can have a big impact if they can lend without fear of government penalties

| Financial Markets Financial Markets
| Expert Commentary Expert Commentary

Revitalizing Small Businesses in Post-Pandemic America

By
- Thomas Hoenig
September 14, 2020

| Financial Markets Financial Markets
| Expert Commentary Expert Commentary

Banks’ Risks During the Pandemic Aren’t Clear

By
- Thomas Hoenig
- Sheila Bair
July 7, 2020

| Financial Markets Financial Markets
| Expert Commentary Expert Commentary

Bank Risk System From 2008 Has Problems

By
- Thomas Hoenig
March 19, 2020

| Financial Markets Financial Markets
| Expert Commentary Expert Commentary

Why Would Elizabeth Warren Want More Banks?

By
- Stephen Matteo Miller
January 1, 2020

Her reform aims to avoid ‘too big to fail’ but would produce many institutions ‘too small to survive.’

| Regulation Regulation
| Expert Commentary Expert Commentary

Sanders-Ocasio-Cortez Plan to Cap Credit Card Interest Rates will Backfire on Consumers

By
- Todd Zywicki
June 21, 2019

| Financial Markets Financial Markets
| Expert Commentary Expert Commentary

The Recent Decline in the Number of Banks

By
June 11, 2019

A Series on Bank Size and Concentration

| Financial Markets Financial Markets
| Expert Commentary Expert Commentary

Historical Perspectives on the Number of Banks

By
June 6, 2019

A Series on Bank Size and Concentration

| Regulation Regulation
| Expert Commentary Expert Commentary

Righting a Flawed Payday Loans Rule

By
- Thomas W. Miller, Jr.
March 27, 2019

| Financial Markets Financial Markets
| Expert Commentary Expert Commentary

On the Rising Regulatory Burden of Basel-Style Bank Capital Requirements

By
- Stephen Matteo Miller
December 14, 2018

| Regulation Regulation
| Expert Commentary Expert Commentary

Did the Gramm-Leach-Bliley Act Deregulate?

By
- Stephen Matteo Miller
November 29, 2018

| Financial Markets Financial Markets
| Expert Commentary Expert Commentary

Did the Gramm-Leach-Bliley Act Deregulate?

By
- Stephen Matteo Miller
November 19, 2018

| Housing Housing
| Expert Commentary Expert Commentary

No Need to Fight over the OCC's Fintech Charter

By
- Brian Knight
October 22, 2018

| Regulation Regulation
| Expert Commentary Expert Commentary

Pull the US out of the European Bank for Reconstruction and Development

By
- Veronique de Rugy
August 7, 2018