banking

AI Banking Revolution Needs Freedom

Competition—not regulation—will shape financial innovation

Mar 8 • Vance Ginn, Ph.D.

Stop Turning Banking Into a Government-Controlled Utility

Stop turning banking into a utility—protect access, privacy, and credit with market-first reforms.

Feb 17 • Vance Ginn, Ph.D.

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.

Sep 25, 2025 • Vance Ginn, Ph.D.

Junk Food and Banking: Trust People, Not Bureaucrats

From SNAP restrictions to banking regulations, government’s heavy hand punishes people instead of empowering them.

Aug 26, 2025 • Vance Ginn, Ph.D.

Debanking’s Real Culprit: Big Government, Not the Banks

Washington’s power over the financial system—not free markets—is driving politicized banking.

Aug 8, 2025 • Vance Ginn, Ph.D.

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.

Aug 5, 2025 • Vance Ginn, Ph.D.

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.

Jul 18, 2025

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.

Jul 16, 2025 • Vance Ginn, Ph.D.

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…

Jul 15, 2025 • Vance Ginn, Ph.D.

Government Price Controls on Credit Cards Hurt People

Here's why in my latest commentary.

Jun 10, 2025 • Vance Ginn, Ph.D.

Killing Credit Access With Price Controls on Interchange Fees and Interest Rates

Here's what it could mean to you if politicians have their way.

Apr 24, 2025 • Vance Ginn, Ph.D.

CFPB’s Data Grab Is Government Theft—And You’re Paying the Price

Don't miss my latest article on X.

Apr 19, 2025 • Vance Ginn, Ph.D.

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