Free Banking
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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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How the West Won the Money Race
“Today the world still benefits from monetary and financial innovations begun in China, then picked up and carried like a baton in Renaissance Europe.” ~Paul McDonnold
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•
Another Year, Another Crisis
“From inflation to a Fed tightening cycle, to banking losses and now real estate tremors, we again find ourselves climbing tenuously out of one hole only to collapse limply into another.” ~Peter C. Earle
-
•
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
-
•
How the West Won the Money Race
“Today the world still benefits from monetary and financial innovations begun in China, then picked up and carried like a baton in Renaissance Europe.” ~Paul McDonnold
-
•
Another Year, Another Crisis
“From inflation to a Fed tightening cycle, to banking losses and now real estate tremors, we again find ourselves climbing tenuously out of one hole only to collapse limply into another.” ~Peter C. Earle