Category Archives: Financial Markets and Institutions

Increased Federal Role in the Housing Finance System

Housing finance is a complex, multi-trillion-dollar industry that played a major role in the 2007-2009 financial crisis. Two of our recent reports analyzed changes in the market since the crisis and their effect on taxpayers. We discuss our findings in … Continue reading

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Spring Podcast Roundup – Podcasts You May Have Missed

It has been a busy year so far in our podcast studio! And if you’re not subscribed to the Watchdog report on iTunes or our RSS feed, you’re missing out. Today’s WatchBlog catches you up on some of the podcasts … Continue reading

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Credit Reporting Agencies and You

If you’ve ever signed up for a credit card or taken out a loan to buy a car, the credit card company or bank has probably checked your credit report to see if you qualify. But where does the information … Continue reading

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Big bank regulators at risk of influence?

“Regulatory capture”—when regulators act in the interest of the industry they’re regulating, rather than the public good—is a big concern, especially when it comes to big banks. Today’s WatchBlog explores how it happens and what regulators can do to protect … Continue reading

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The Legacy of the Recovery Act

Ten years ago this month, Congress responded to the most serious economic crisis since the Great Depression by passing the American Recovery and Reinvestment Act of 2009 (Recovery Act). This economic stimulus package, estimated to cost more than $800 billion, … Continue reading

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Risks and Benefits of Fintech Lending

Financial technology (fintech) refers to the use of technology and innovation to provide financial products and services—and fintech lending is a growing part of this field. Fintech lenders are nonbank firms that operate online and may use “alternative data,” including … Continue reading

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As TARP Turns 10, Looking Back at the U.S. Government’s Assistance to the Banking Sector

Ten years ago this week, Congress responded to turmoil in the financial markets by creating the Troubled Asset Relief Program (TARP). Through TARP, the Treasury Department disbursed a total of $440 billion to help stabilize the financial system, restore economic … Continue reading

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Is The Regulatory Environment Stifling Financial Innovation?

Financial regulatory oversight in the United States is complex and fragmented, with different rules across multiple regulators at both the federal and state level. And, while this is true for all financial institutions, new entrants known as financial technology (fintech) … Continue reading

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Ensuring Balanced Financial Regulation

Congress passed the Dodd-Frank Act 8 years ago in response to the worst financial crisis in more than 75 years. In May of this year, Congress passed the Economic Growth, Regulatory Relief, and Consumer Protection Act. Both the new law and … Continue reading

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Understanding Derivatives One Swap at a Time

Did you ever agree to swap your PB&J sandwich for your friend’s bologna sandwich? If so, you did a nonfinancial swap. Since the 1980s, bankers have applied that basic concept to create financial contracts to swap a wide range of … Continue reading

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