Financial Regulation Diversity within the Federal Reserve System Brookings Institute Brookings Institute April 13, 2021
report November 29, 2021 China’s payments u-turn: Government over technology China has been at the forefront of a technological revolution in payments in both its private and public sectors. China’s tech firms succeeded in replacing the bank-based magnetic striped card world with a tech-based QR code system. Then the People’s Bank of China (PBOC) launched its central bank digital currency, followed by a series of government actions that appear... By Brookings Institute, International Financial Institutions Brookings Institute
report November 16, 2021 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, get a credit card, and even how much you pay for auto insurance. These three-digit numbers, graded on a scale that resembles the SAT, have become more accessible to consumers due to recent changes in law, technology, and business.... By Brookings Institute, Financial Institutions Brookings Institute
report November 8, 2021 How Fintech Companies Can Mitigate the Racial Wealth Gap On November 2, 2021, Brookings Metro Fellow Kristen Broady testified to the U.S. House Financial Services Committee’s Task Force on Financial Technology, during a hearing titled Buy Now, Pay More Later? Investigating Risks and Benefits of BNPL and Other Emerging Fintech Cash Flow Products. Broady’s research, as detailed in her written testimony, shows how fintech companies can mitigate racial... By Brookings Institute, Testimony Brookings Institute
report November 4, 2021 Low-cost and shrinking: Hamilton County, Ohio Navigation November 4, 2021 Hamilton County is a declining population, low-cost county located in a low-to-moderate cost, slow-growth metropolitan area (Cincinnati, OH-IN-KY). Seven of the 16 metro area counties saw population decline from 2009 to 2019, and half of the counties fall into the lowest cost category (housing value-to-income ratios below 2.5). Hamilton had the largest population decline in the... By Brookings Institute, Essay Brookings Institute
report November 4, 2021 Expensive and growing: Loudoun County, Va. Navigation November 4, 2021 Loudoun County is rapidly growing, high-priced county located in a growing, high-priced metropolitan area (Washington, D.C.). All but one of the metro area’s 25 jurisdictions saw positive population growth from 2009 to 2019, and eight jurisdictions fall into the highest cost category (housing value-to-income ratios over 4). Loudoun had the second highest population growth rate in... By Brookings Institute, Essay Brookings Institute
