Latest work in Consumer Finances
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A Suggested Mortgage Amortization Structure: Fixed Amortization, Adjustable Principal
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Is $3 (or Higher) Gas Here To Stay or Gone Tomorrow?
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'CRA-ing' the OCC Is a Terrible Idea
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Will the Biden CFPB Clamp down on Innovation and Regulatory Sandboxes?
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Comment for the Comptroller of the Currency's Proposed Rule Regarding National Banks and Federal Savings Associations as Lenders
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Statement regarding CFPB Dodd-Frank Section 1033 Symposium
Written statement for CFPB Symposium: Consumer Access to Financial Records
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Innovation and Competition in Lending Improves Access to Credit
Testimony before the US House of Representatives Committee on Financial Services
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Policymakers Should Reevaluate the Premises That Led to an Overhaul of Regulation Z
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Sanders-Ocasio-Cortez Plan to Cap Credit Card Interest Rates will Backfire on Consumers
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Homeowners Make the Best Landlords
Part Three of Kevin Erdmann's Housing Affordability Series
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Will SEC Regulation Best Interest Protect Investors?
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The Economic Situation, June 2019
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Why Are the Prices So Damn High?
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Comment in Response to Proposed Rule on Payday, Vehicle-Title, and Certain High-Cost Installment Loans
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How Do Small-Dollar, Nonbank Loans Work?
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How Much Is Your Education Worth? Depends How Much You Make
A new school in California lets you pay your tuition by essentially selling shares in your future self.
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Scared of Stocks? Buy a House Instead
New research shows that real estate is both a better and safer investment than previously believed.
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Righting a Flawed Payday Loans Rule
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‘Pay-As-You-Go’ Threatens the Future of Retirement
Latest work in Consumer Finances
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A Suggested Mortgage Amortization Structure: Fixed Amortization, Adjustable Principal
- | Expert Commentary Expert Commentary
Is $3 (or Higher) Gas Here To Stay or Gone Tomorrow?
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
'CRA-ing' the OCC Is a Terrible Idea
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Will the Biden CFPB Clamp down on Innovation and Regulatory Sandboxes?
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- | 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
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Statement regarding CFPB Dodd-Frank Section 1033 Symposium
Written statement for CFPB Symposium: Consumer Access to Financial Records
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Innovation and Competition in Lending Improves Access to Credit
Testimony before the US House of Representatives Committee on Financial Services
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- | Public Interest Comments Public Interest Comments
Policymakers Should Reevaluate the Premises That Led to an Overhaul of Regulation Z
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Sanders-Ocasio-Cortez Plan to Cap Credit Card Interest Rates will Backfire on Consumers
- | Expert Commentary Expert Commentary
Homeowners Make the Best Landlords
Part Three of Kevin Erdmann's Housing Affordability Series
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Will SEC Regulation Best Interest Protect Investors?
- | Monetary Policy Monetary Policy
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The Economic Situation, June 2019
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Why Are the Prices So Damn High?
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Comment in Response to Proposed Rule on Payday, Vehicle-Title, and Certain High-Cost Installment Loans
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How Do Small-Dollar, Nonbank Loans Work?
- | Expert Commentary Expert Commentary
How Much Is Your Education Worth? Depends How Much You Make
A new school in California lets you pay your tuition by essentially selling shares in your future self.
- | Expert Commentary Expert Commentary
Scared of Stocks? Buy a House Instead
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- | Expert Commentary Expert Commentary
Righting a Flawed Payday Loans Rule
- | Expert Commentary Expert Commentary
‘Pay-As-You-Go’ Threatens the Future of Retirement
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A Suggested Mortgage Amortization Structure: Fixed Amortization, Adjustable Principal
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Will SEC Regulation Best Interest Protect Investors?
- | Monetary Policy Monetary Policy
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The Economic Situation, June 2019
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Why Are the Prices So Damn High?
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How Do Small-Dollar, Nonbank Loans Work?
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A Chip Off the Old Block or a New Direction for Payment Card Security?
Chips, PINs, and the Law and Economics of Payment Card Fraud
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Adverse Consequences of the Binding Constitutional Interest Rate Cap in the State of Arkansas
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Baggage of Consumer Installment Cash Lending
A New Sorting of the Suitcases
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Reframing Financial Regulation
Enhancing Stability and Protecting Consumers
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Dodd-Frank and the Federal Reserve’s Regulations
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The Law and Economics of Consumer Debt Collection and Its Regulation
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The Consumer Financial Protection Bureau’s Arbitration Study
A Summary and Critique
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Credit Cards Have Not Increased Consumer Debt Burden
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Consumer Credit and the American Economy
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Payday Lending, Bank Overdraft Protection, and Fair Competition at the Consumer Financial Protection Bureau
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Behavior, Paternalism, and Policy: Evaluating Consumer Financial Protection
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Payday Lending, Bank Overdraft Protection, and Fair Competition at the Consumer Financial Protection Bureau
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Commentary: CFPB Study of Overdraft Program
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Mercatus Center Policy Guide
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How to Fix Our Broken Proxy Advisory System
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What's Next for Consumer Credit Regulation?
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Dodd-Frank Reform: 'Crapo Bill' and Beyond
The future of financial regulator policy now lies with the agencies. So what should be on the agenda?
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Thomas Miller on Mississippi State University's Dividends Show
Latest work in Consumer Finances
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Comment for the Comptroller of the Currency's Proposed Rule Regarding National Banks and Federal Savings Associations as Lenders
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Statement regarding CFPB Dodd-Frank Section 1033 Symposium
Written statement for CFPB Symposium: Consumer Access to Financial Records
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Testimony before the US House of Representatives Committee on Financial Services
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- | Public Interest Comments Public Interest Comments
Policymakers Should Reevaluate the Premises That Led to an Overhaul of Regulation Z
- | 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
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Response to Bureau of Consumer Financial Protection Request for Information Regarding Bureau External Engagements
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Response to Bureau of Consumer Financial Protection Request for Information Relating to Bureau Supervision Processes
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Comment in Response to the CFPB's Request for Information on Its Enforcement Practices
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Comment on the CFPB’s Rule on Payday, Vehicle Title, and Certain High-Cost Installment Loans
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Comment on Proposed Rule on Arbitration Agreements, 12 CFR Part 1040
Letter to the Office of the Executive Secretary, Bureau of Consumer Financial Protection
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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
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Examining Legislative Proposals to Preserve Consumer Choice and Financial Independence
Testimony before the House Committee on Financial Services
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Submission of Credit Card Agreements Under the Truth in Lending Act (Regulation Z)
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Transparency of Airline Ancillary Fees and Other Consumer Protection Issues
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Disclosure of Consumer Complaint Narrative Data
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Increasing the Effectiveness of the Bureau of Consumer Financial Protection in Protecting Consumers
Testimony Before the Financial Institutions and Consumer Credit Subcommittee of the House Committee on Financial Services
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Money Market Fund Reform; Amendments to Form PF
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Building a Sustainable Housing Finance System: Examining Regulatory Impediments to Private Investment Capital
Testimony before the House Committee on Financial Services
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The Impacts of Overdraft Programs on Consumers
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The Future of Housing Finance: The Role of Private Mortgage Insurance
Testimony before the House of Representatives Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises
Latest work in Consumer Finances
- | Expert Commentary Expert Commentary
Is $3 (or Higher) Gas Here To Stay or Gone Tomorrow?
- | Financial Markets Financial Markets
- | Expert Commentary Expert Commentary
'CRA-ing' the OCC Is a Terrible Idea
- | Regulation Regulation
- | Expert Commentary Expert Commentary
Will the Biden CFPB Clamp down on Innovation and Regulatory Sandboxes?
- | Regulation Regulation
- | Expert Commentary Expert Commentary
Sanders-Ocasio-Cortez Plan to Cap Credit Card Interest Rates will Backfire on Consumers
- | Expert Commentary Expert Commentary
Homeowners Make the Best Landlords
Part Three of Kevin Erdmann's Housing Affordability Series
- | Expert Commentary Expert Commentary
How Much Is Your Education Worth? Depends How Much You Make
A new school in California lets you pay your tuition by essentially selling shares in your future self.
- | Expert Commentary Expert Commentary
Scared of Stocks? Buy a House Instead
New research shows that real estate is both a better and safer investment than previously believed.
- | Expert Commentary Expert Commentary
Righting a Flawed Payday Loans Rule
- | Expert Commentary Expert Commentary
‘Pay-As-You-Go’ Threatens the Future of Retirement
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Only a Grinch Would Tax Christmas Trees
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Fintech Sandboxes at the Bureau of Consumer Financial Protection
A Q&A with Brian Knight
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BCFP's Office of Cost-Benefit Analysis Can Be Good for Consumers
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Are Credit Cards Becoming Obsolete?
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The CFPB Could Be a Force for Good
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The Consumer Financial Protection Bureau Is Unaccountable, Trump’s Budget Tries to Change That
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Scholars Respond to Budget Proposal
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Poverty and Payday Lending in Mississippi
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CFPB Chaos Shows Why It Needs a Bipartisan Commission, Not a Sole Director
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Violet Needs a Loan
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