The CEA’s analysis was quickly embraced by the crypto industry as evidence that such restrictions are unnecessary. If limiting yield has little impact on bank lending, the argument goes, then policymakers should allow stablecoins — and the platforms that distribute them — to compete freely on returns. But that framing depends entirely on the assumptions embedded in the CEA’s model and the narrowness of the question it chose to answer.
Study finds that Wells Fargo’s pattern of racial disparities in applications and loans suggests it underserved North Carolina communities of color and focused on upper-income white communities.
This is a resource for institutional investors, including pension trustees, seeking to better understand what recent turmoil in private credit could mean for their portfolios.
This memo catalogues the negative impact of large-scale corporate ownership of single-family home and the impacts of the “build-to-rent” industry on housing affordability and supply.
Insurance companies have increased homeowners insurance premiums by an average of 24 percent from 2021 to 2024 nationwide. They are raising premiums for multifamily housing too, which results in higher rents and higher costs for new affordable housing. The rising cost of insurance is adding extra financial strain on too many U.S. families at a time when cost of living concerns are at their highest.
State insurance commissioners and legislators play a critical role in determining the insurance premiums people pay for their home insurance.[1] Insurance companies have increased homeowners insurance premiums by an average of 24 percent from 2021 to 2024 nationwide.[2] Premium rates are rising far faster in many places across the country including in a geographically diverse
