financial inclusion, financial technology, financial regulation, unbanked, underbanked

What is the proper policy framework for promoting financial inclusion in a free society? New financial tools are bringing more people into the modern financial world—changing how households save, borrow, pay for everyday needs, and invest in their futures. They’re also creating new opportunities for unbanked and…

credit unions, financial innovation, fintech, decentralization, disintermediation

Last week, I had the pleasure of addressing the Michigan Credit Union Economic Summit on the future of financial services. I discussed emergent themes in financial regulation as a result of new technologies, and their implications for the industry. Here are my remarks — I hope you…