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Interchange Fees

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, Podcasts Central Banking/Federal Reserve, Federal Government Affairs, Finance and Trade, Interchange Fees, Systemic Risk

Protecting Consumer Credit with Caroline Melear

Caroline Melear May 29, 2025 Free the Economy Podcast
Analysis Federal Government Affairs, Finance and Trade, Interchange Fees

The Credit Card Amendments Putting the GENIUS Act at Risk

Caroline Melear May 28, 2025
Coalition Letters, Congressional Letters, Letters Federal Government Affairs, Finance and Trade, Interchange Fees

Coalition Opposes Adding Credit Card Price Controls to the GENIUS Act

Caroline Melear May 27, 2025 Americans for Tax Reform
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
Testimony Finance and Trade, Interchange Fees, State Policy, Texas

R Street Testimony in Opposition to Texas House Bill 4061: “Relating to unlawful practices relating to credit card transactions; providing a civil penalty”

Caroline Melear April 14, 2025
Testimony Finance and Trade, Interchange Fees, State Policy, Texas

R Street Testimony in Opposition to Texas House Bill 4124: “Relating to the charging of swipe fees on certain electronic payment transactions; authorizing a civil penalty”

Caroline Melear April 14, 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 Federal Government Affairs, Finance and Trade, Interchange Fees

Both ends of the ideological spectrum get it wrong with credit card interest rate caps

Caroline Melear March 26, 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 Federal Government Affairs, Finance and Trade, Interchange Fees

Hawley and Sanders team up to fight credit card interest rates. Instead, they risk harming consumers.

Caroline Melear Feb 5, 2025

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