Free Banking
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The Central Banker Who Defied Hitler
If we must tolerate government control of currency, we should emulate Hans Luther’s fearless defiance of political pressure.
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From Shakespeare to Smith: Why Credit Exists in Every Western Society
Credit is not an artificial construct imposed by financiers or states. It arises because modern commercial life cannot function without it.
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Taxing, Borrowing, and Printing: Three Ways America Pays for Government
Tax bills are only the beginning. Borrowing and inflation also finance federal spending — in ways that are easier to ignore but harder to escape.
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Not 2008, But Still Dangerous: Private Credit’s Squeeze
Private credit is emerging as a key force tightening financial conditions. That feedback loop amplifies macro headwinds.
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Capping Card Interest Rates Won’t Make Credit Cheaper
APR caps may sound consumer-friendly, but price caps just serve to cut off vulnerable households from legitimate lenders.
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My Bank Froze ‘My’ Account — Is Permissioned Access Still Money?
One unverifiable dispute locked me out. If permission to pay with my own money can be blocked, what does owning it mean anymore?
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Data-Sharing Agreements for Fintech: the Market Solved What DC Couldn’t
After 15 years of regulatory tug-of-war, banks and fintech companies have reached private arrangements for sharing customer data.
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Why Bitcoiners Will Benefit from Stablecoin Legislation
Regulatory clarity on stablecoins—issued by private companies and pegged to fiat—will help decentralized options move forward.
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The Debanking Craze Reveals Everything Wrong with the Administrative State
Banks want to avoid rankling regulators. But regulation that treats everyone as guilty invites abuses of power.
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Dear CFPB: Your Cure Is Worse Than the Disease
“…Limiting access to credit through these regulations and reducing competition in credit markets would do far greater damage to Americans hoping to access credit.” ~Peter Earle and Thomas Savidge
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•
The Central Banker Who Defied Hitler
If we must tolerate government control of currency, we should emulate Hans Luther’s fearless defiance of political pressure.
-
•
From Shakespeare to Smith: Why Credit Exists in Every Western Society
Credit is not an artificial construct imposed by financiers or states. It arises because modern commercial life cannot function without it.
-
•
Taxing, Borrowing, and Printing: Three Ways America Pays for Government
Tax bills are only the beginning. Borrowing and inflation also finance federal spending — in ways that are easier to ignore but harder to escape.
-
•
Not 2008, But Still Dangerous: Private Credit’s Squeeze
Private credit is emerging as a key force tightening financial conditions. That feedback loop amplifies macro headwinds.
-
•
Capping Card Interest Rates Won’t Make Credit Cheaper
APR caps may sound consumer-friendly, but price caps just serve to cut off vulnerable households from legitimate lenders.
-
•
My Bank Froze ‘My’ Account — Is Permissioned Access Still Money?
One unverifiable dispute locked me out. If permission to pay with my own money can be blocked, what does owning it mean anymore?
-
•
Data-Sharing Agreements for Fintech: the Market Solved What DC Couldn’t
After 15 years of regulatory tug-of-war, banks and fintech companies have reached private arrangements for sharing customer data.
-
•
Why Bitcoiners Will Benefit from Stablecoin Legislation
Regulatory clarity on stablecoins—issued by private companies and pegged to fiat—will help decentralized options move forward.
-
•
The Debanking Craze Reveals Everything Wrong with the Administrative State
Banks want to avoid rankling regulators. But regulation that treats everyone as guilty invites abuses of power.
-
•
Dear CFPB: Your Cure Is Worse Than the Disease
“…Limiting access to credit through these regulations and reducing competition in credit markets would do far greater damage to Americans hoping to access credit.” ~Peter Earle and Thomas Savidge