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…

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…