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

In the News Clean Energy, Energy and Environment, State Policy, Texas

Some Texas GOP lawmakers turning away from wind and solar

Josiah Neeley June 22, 2026 Texas News Service

Analysis Broadband Regulation, Online Content Policy, Open Government, Technology and Innovation

Common Ground on Censorship: Two Bills to Check Government Coercion of Speech

Spence Purnell June 24, 2026

Newsletters Behavioral Health, Harm Reduction, Healthier Communities, Opioid Harm Reduction, Safer Solutions

Safer Solutions: Why is it easier to get illegal drugs than medicine to treat addiction?

Jessica Shortall, Chelsea Boyd June 24, 2026

Op-Eds America 250, Governance

For America’s future, look to the ancient past: Rome

Marc Hyden June 23, 2026 Newnan Times-Herald

Op-Eds California, State Policy, Western

Did California’s Gubernatorial Race Reveal the Limits of ‘Abundance’ Politics on the Left?

Steven Greenhut June 11, 2026 Orange County Register

News Cyber Threats, Cybersecurity Policy, Technology and Innovation

Statement on executive order to secure the U.S. against advanced cryptographic attacks

Corie Whalen June 22, 2026

Analysis Artificial Intelligence, Permissionless Innovation, Technology and Innovation

The Sanders AI Sovereign Wealth Fund Act Is a Death Sentence for American Technology Leadership

Adam Thierer, Nicholas Thielman June 22, 2026

Analysis America 250, Behavioral Health, Contraception, Economic Mobility, Federal Government Affairs, Healthier Communities, Our Organization, Sexual Health, Telehealth, Thriving Families

Maternal Health, Dissent, and Democracy: 100 Years After the Sheppard-Towner Act

Courtney Joslin June 22, 2026

Analysis Body Cameras, Criminal Justice and Civil Liberties, Police Deflection, Policing, Reentry

The Policy Agenda Sheriffs Are Ready For

Jillian Snider, Logan Seacrest June 22, 2026

Newsletters, Real Solutions Electricity Policy, Energy and Environment, Low-Energy Fridays, State Policy

Low-Energy Friday: Growing Electricity Use Lowers Rates—Until It Doesn’t

Michael Giberson June 19, 2026