13 Changes Coming To The Banking Industry

10. Better Regulation

Traditional banks will focus on taking deposits and lending for productive purposes and leave other financial services to innovative new fintech and digital organizations. This decouples risk, liquidity and “know your customer” and ameliorates the conflict of interest from modern banking’s dual mission—the safety of customer money and financial returns for its shareholders. – Erica Schoder, R Street Institute

Featured Publications

Analysis Energy and Environment, Federal Government Affairs, Permitting Reform

Emission Benefits of Permitting Reform: A Solution for America’s Energy Future

Olivia Manzagol, Philip Rossetti April 30, 2025

Analysis Our Organization, Real Insights

Real Insights: Trust, Freedom, and the Future—A Conversation with Lenore Skenazy

Erica Schoder April 29, 2025

Analysis Clean Slate, Criminal Justice and Civil Liberties, Reentry

The Economic Case for Clean Slate Policy

Anthony Lamorena, Nicholas Thielman April 28, 2025

Op-Eds Criminal Justice and Civil Liberties, Policing, South, State Policy

High-speed chase fatality shines light on policing practices

Marc Hyden April 28, 2025 The Newnan Times-Herald

Op-Eds California, Energy and Environment, Environmental Regulation, Federal Government Affairs, Finance and Trade, State Policy, Transportation

Trump’s Electric Vehicle Rollback Helps Consumers, Won’t Hurt Climate

Steven Greenhut April 27, 2025 The American Spectator

Analysis Competition & Antitrust, Online Content Policy, Technology and Innovation

The Google Search Case: A Remedy Searching for an Ailment

Josh Withrow April 25, 2025

In the News, Podcasts Data Policy, Online Content Policy, Public Safety, Technology and Innovation

The Fraudian Slip Podcast: ITRC, BIC & FIDO Alliance Policy Forum – It’s Not Just About Benefits Fraud

Shoshana Weissmann April 25, 2025 The Fraudian Slip Podcast

Op-Eds California, Finance and Trade, Regulatory Reform, State Policy

Lawmakers know CEQA is a bust, so why won’t they fix it?

Steven Greenhut April 25, 2025 The Orange County Register

Analysis Harm Reduction, Safer Solutions

Safer Solutions: Clearing the Air Around Vaping-Related Lung Injuries

Chelsea Boyd, Jessica Shortall April 25, 2025

Real Solutions Clean Energy, Energy and Environment, Low-Energy Fridays

Low-Energy Fridays: What would the “energy transition” cost?

Philip Rossetti April 25, 2025