Steven Horwitz
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Apr 02, 2013
This study examines the history and operation of the Federal Reserve System. It explores the Fed’s origins in American economic history and emphasizes the political compromises that produced it.
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Todd Zywicki, Robert Sarvis
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Jan 14, 2013
Government regulators proposing restrictions on specific forms of consumer credit all too often ignore the reality of how and why consumers use credit. They also ignore lenders’ legitimate reasons for pricing their services as they do; consumers’ legitimate reasons for choosing the financing options they do; the risks consumers face when credit offerings are made unavailable to them; and the many consumers who use the particular forms of consumer credit responsibly and effectively.
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Todd Zywicki, Nick Tuszynski
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May 09, 2012
Regulators cannot wish away consumers’ need for credit, and eliminating access to overdraft protection will not correspondingly eliminate this need.
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Veronique de Rugy, David Bieler
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Jun 02, 2010
After a seven-year hiatus, the statutory "pay-as-you-go" (PAYGO) federal spending rule is once again the law of the land. Numerous policy makers have touted its benefits while emphasizing their…
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Todd Zywicki, Astrid Arca
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Jan 11, 2010
In the wake of the financial crisis, Congress is considering new regulations on non-traditional lending products like payday lending, although there is no evidence that such products were related in…
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Garett Jones, Katelyn Christ
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Jan 10, 2010
In light of the 2007-2008 financial crisis, policymakers are reforming financial regulations in order to create a resolution system for large failing financial institutions. This paper advocates that…
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Testimony & Comments
Public Interest Comment on Investment Advice
Jerry Ellig, Christina Forsberg | May 06, 2010