Who should regulate: Chairs or majorities of the board
By Aaron Klein2021 ended with a mini-crisis at the Federal Deposit Insurance Corporation (FDIC) resulting in the chair resigning after ...
Does government debt increase after global recessions?
By M. Ayhan Kose, Peter Nagle, Franziska Ohnsorge, Naotaka SugawaraGlobal government debt surged to nearly 100 percent of GDP during ...
Debt tsunami of the pandemic
By M. Ayhan Kose, Peter Nagle, Franziska Ohnsorge, Naotaka SugawaraStarting in 2010, a new wave of debt accumulation—the “fourth wave” ...
Opening statement of Aaron Klein at roundtable on America’s unbanked and underbanked
By Aaron KleinChairman Himes, Ranking Member Steil, members of the Committee, thank you for inviting me to participate at this ...
Mobile financial services can increase impacts of microfinance organizations—but the story is more complicated than we think
By Cecilia Värendh MånssonIn an attempt to deepen financial inclusion, microfinance organizations are introducing digital solutions to serve low-income households ...
An AI fair lending policy agenda for the federal financial regulators
By Michael Akinwumi, John Merrill, Lisa Rice, Kareem Saleh, Maureen YapAlgorithms, including artificial intelligence and machine learning models (AI/ML), increasingly ...
China’s payments u-turn: Government over technology
By Aaron KleinChina has been at the forefront of a technological revolution in payments in both its private and public ...
Biased appraisals and the devaluation of housing in Black neighborhoods
By Jonathan Rothwell, Andre M. PerryIn September, Freddie Mac released a groundbreaking analysis of the U.S. home appraisal industry. Consistent ...
Credit scoring: Improve or eliminate?
Your credit score plays a major role in your life, impacting your ability to rent an apartment, buy a house, ...
Interoperable, agile, and balanced: Rethinking technology policy and governance for the 21st century
By Nicholas Davis, Landry Signé, Mark EspositoAbstract Emerging technologies are shifting market power and introducing a range of risks that ...
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