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banking

The Real Reason Credit Card Rates Are So High
My letter to the editor at The Wall Street Journal on why the Fed—not banks—is driving higher borrowing costs.
Let Banks and Stablecoins Compete
Financial freedom requires fewer banking rules, not another Washington carveout
Private Credit Is Not 2008
More choice in lending is a feature of markets, not a flaw in capitalism
AI Banking Revolution Needs Freedom
Competition—not regulation—will shape financial innovation
Stop Turning Banking Into a Government-Controlled Utility
Stop turning banking into a utility—protect access, privacy, and credit with market-first reforms.
Stop Forced “Open Banking”: Reject the CFPB’s Section 1033 Rule
Mandates don’t empower consumers—they waste resources, risk privacy, and entrench big players.
Junk Food and Banking: Trust People, Not Bureaucrats
From SNAP restrictions to banking regulations, government’s heavy hand punishes people instead of empowering them.
Debanking’s Real Culprit: Big Government, Not the Banks
Washington’s power over the financial system—not free markets—is driving politicized banking.
Trump Fired the BLS Jobs Messenger—But Big Government Won’t Bring Jobs Back
The BLS didn’t fail. The data just told the truth. And top-down mandates—left or right—won’t save the economy. Let freedom ring.
Diesel Markets Don’t Lie: Structural Shocks, Policy Mistakes, and What the Data Reveal
My newly published co-authored paper on diesel prices, structural breaks, and how misreading energy markets leads to costly policy failures.
Backbreakers: How Trump, Powell, and Congress Stack the Pain on Americans
Debt, inflation, and tariffs are crushing Americans—and the political class is piling on.
If the Fed Can’t Manage Its Own House, Why Should It Run the Economy?
Lavish renovations, massive losses, and a $6.7 trillion balance sheet—it’s time for accountability, transparency, and a serious rethink of the Federal…
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