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Consumer Financial Protection Bureau

Although the insurance industry is simple in concept—the premiums of many pay for the losses of a few—it is overrun with reporting, compliance, and regulatory challenges that limit consumer choice. Specifically, the team focuses on policy recommendations around risk-based insurance regulation, taxpayer subsidies, and the benefits of mitigation. Similarly, the Finance, Insurance, and Trade team explores government oversight and expansion into the financial sector, with particular focus on the Consumer Financial Protection Bureau (CFPB), the Securities and Exchange Commission (SEC), as well as corporate governance and tort reform. The team also advocates for sensible food and beverage policies that balance consumer demands with public safety, along with labor and occupational licensing laws that facilitate economic growth and curtail unnecessary economic government barriers to employment. Sign up for updates here.

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In the News AI Security, Consumer Financial Protection Bureau, Cybersecurity Policy, Data Security and Data Privacy, Federal Government Affairs, Finance and Trade, Regulatory Reform

Radio: How to combat AI scams

Caroline Melear Oct 29, 2025 SiriusXM POTUS Politics
Analysis AI Security, Consumer Financial Protection Bureau, Cybersecurity Policy, Data Security and Data Privacy, Federal Government Affairs, Finance and Trade, Regulatory Reform

Protecting Americans from Fraudsters and Scammers in the Age of AI

Haiman Wong, Caroline Melear Oct 23, 2025
Policy Studies Consumer Financial Protection Bureau, Federal Government Affairs, Finance and Trade

Reining in the Consumer Financial Protection Bureau: Practical Steps, Positive Impact

Caroline Melear Oct 16, 2025
Analysis Consumer Financial Protection Bureau, Finance and Trade

How Trump’s “10-to-1” Deregulation Initiative Is Taking Shape in Financial Services

Caroline Melear May 9, 2025
Analysis Banking, Consumer Financial Protection Bureau, Federal Government Affairs, Finance and Trade, Interchange Fees, Regulatory Reform

Congressional Republicans have set their sights on financial deregulation

Caroline Melear April 23, 2025
Coalition Letters, Letters Banking, Consumer Financial Protection Bureau, Federal Government Affairs, Finance and Trade, Interchange Fees, Regulatory Reform

R Street signs coalition letter urging approval of the Congressional Review Act (CRA)

Caroline Melear, Jerry Theodorou March 27, 2025
Analysis Consumer Financial Protection Bureau, Federal Government Affairs, Finance and Trade, Interchange Fees

Republicans in Congress show signs of their commitment to dismantling Biden-era rules

Caroline Melear March 25, 2025
Analysis Banking, Consumer Financial Protection Bureau, Federal Government Affairs, Finance and Trade, Housing Finance, Regulatory Reform

Liberty Requires Responsibility

Caroline Melear March 21, 2025
Op-Eds Consumer Financial Protection Bureau, Federal Government Affairs, Finance and Trade, Governance, Restoring the First Branch

Only Congress can deliver lasting change to the CFPB

Caroline Melear Feb 13, 2025 Washington Examiner
Explainers Banking, Consumer Financial Protection Bureau, Corporate Governance, Federal Government Affairs, Finance and Trade, Interchange Fees, Regulatory Reform

Financial Regulation Under the Trump Administration

Caroline Melear Jan 31, 2025

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