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

Real Solutions Federal Government Affairs, Online Content Policy, State Policy, Technology and Innovation

Most children don’t have IDs, and age-estimation technology errs by years

Shoshana Weissmann May 20, 2025

Analysis Criminal Justice and Civil Liberties, Detention, Pretrial, State Policy, Texas

Texas Moves Toward Smarter Pretrial Detention, But More Is Needed

Lisel Petis May 20, 2025

News Harm Reduction, Opioid Harm Reduction

New Research: Drug Use While Pregnant – How Some State Laws Inadvertently Endanger Pregnant Women and Their Children

Ann Phelan May 20, 2025

Real Solutions Insurance, Insurance Regulation, South, State Policy, Tort Reform

Louisiana Homeowners’ Insurance Market: More Mitigation, Less Litigation, Please

Jerry Theodorou May 20, 2025

In the News Electricity Policy, Energy and Environment, Energy Subsidies, Federal Government Affairs

Philip Rossetti discusses the proposed IRA cuts in the latest budget bill

Philip Rossetti May 20, 2025 Public News Service

Op-Eds Finance and Trade, South, State Policy, Transportation

GDOT drops dreaded four-letter-word: R-A-I-L

Marc Hyden May 19, 2025 The Newnan Times-Herald

In the News Clean Slate, Criminal Justice and Civil Liberties, Reentry, South, State Policy

Lisel Petis on expanded Clean Slate laws in North Carolina

Lisel Petis May 16, 2025 Public News Service

Op-Eds Agriculture, Federal Government Affairs, Finance and Trade, Insurance, Regulatory Reform

Freeing farm markets is better than tariffs and welfare

Steven Greenhut May 16, 2025 The Orange County Register

Real Solutions Electricity Policy, Energy and Environment, Federal Government Affairs, FERC, Low-Energy Fridays

Low-Energy Fridays: If Our Grid Goes Down, How Do We Get Our Lights Back On?

Kent Chandler May 16, 2025

Op-Eds Finance and Trade, Regulatory Reform

ESG Is Coming for Your Candy Bars

C. Jarrett Dieterle May 3, 2025 Reason