Financial Regulation

Research

The Economics and Regulation of Bank Overdraft Protection Todd Zywicki, Nick Tuszynski \| May 09, 2012 Regulators cannot wish away consumers’ need for credit, and eliminating access to overdraft protection will not correspondingly eliminate this need.	Is PAYGO a No-Go? Veronique de Rugy, David Bieler \| 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…
The Case Against New Restrictions on Payday Lending Todd Zywicki, Astrid Arca \| 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…	Potential Restrictions on Title Lending Todd Zywicki, Gabriel Lucjan Okolski \| Nov 2009

The Economics and Regulation of Bank Overdraft Protection Todd Zywicki, Nick Tuszynski \| May 09, 2012 Regulators cannot wish away consumers’ need for credit, and eliminating access to overdraft protection will not correspondingly eliminate this need.	Is PAYGO a No-Go? Veronique de Rugy, David Bieler \| 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…
The Case Against New Restrictions on Payday Lending Todd Zywicki, Astrid Arca \| 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…	Potential Restrictions on Title Lending Todd Zywicki, Gabriel Lucjan Okolski \| Nov 2009