Analysis

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Our team of experts publish detailed reports and fact sheets to help the public understand the complexities of financial regulations and their affect on their lives; to counter industry misinformation; and to hold financial institutions and regulators accountable.

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Better Markets Analysis

September 04, 2025

Key Questions that the Senate Should Ask Trump Advisor Stephen Miran at His Fed Nomination Hearing

Stephen Miran, Chair of the White House’s Council of Economic Advisors (“CEA”), has been nominated to become a member of the Federal Reserve (“Fed”) Board of Governors, one of the most important…

Fact Sheets

August 21, 2025

The Crypto Stablecoin GENIUS Act Hurts All Americans by Undermining the Economy, Financial System, and Monetary Policy

Just last month the so-called GENIUS Act was signed, creating the first U.S. law dealing with stablecoins (which we have referred to as unstablecoins). However, while crypto and stablecoin advocates claim…

Fact Sheets

August 20, 2025

FDIC Unleashing Scammers to Mislead and Rip Off Bank Customers’ Money with Proposed Rule

Tens of millions—if not hundreds of millions—of dollars are being lost by bank customers who were led to believe that their money was insured by the FDIC when it was not. For…

Fact Sheets

August 11, 2025

Chair Atkins’ Agenda is the Industry’s Agenda

Introduction Four months ago, the Senate confirmed Paul Atkins as the 34th chair of the Securities and Exchange Commission (SEC). Although the SEC has not yet published its rulemaking agenda under…

Fact Sheets

August 04, 2025

State Pension Fund Investment in Cryptocurrency: A Risky Gamble with Public Retirement Security

Summary In recent years, a growing number of U.S. states have introduced legislation or pursued policies that permit the investment of state-controlled funds — including pension funds — into cryptocurrencies and related…

Fact Sheets

July 30, 2025

Regulate Financial Firms’ Use of AI to Minimize Risks and Maximize Rewards

Introduction Two noteworthy events occurred last week in the world of artificial intelligence (AI). Last Wednesday, President Trump released his administration’s “AI Action Plan,” which described the regulation of AI as…

Fact Sheets

July 28, 2025

ILC Corporate Banks Are Unfair Competition and Endanger All Americans

There is a long history in the U.S. of ensuring the separation between banking and commerce, and for good reason. The Bank Holding Company Act, passed in 1956, prohibits bank holding companies…

Fact Sheets

July 24, 2025

SPACs + Crypto = Buyer Beware

Introduction On July 22, 2020, billionaire investor Bill Ackman’s Pershing Square Tontine Holdings became the biggest special purpose acquisition company (SPAC) ever. SPACs are blank-check companies that raise money publicly…

Fact Sheets

Image of the CFTC seal on the CFTC building

July 21, 2025

The CFTC’s Role in Financial Stability from Deregulation to Reform, and a Warning for the Future

A Legacy of Deregulation That Brought Down the Economy As we continue to celebrate the 50th anniversary of the Commodity Futures Trading Commission (CFTC) and recognize the 15th anniversary of…

Fact Sheets