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Resources: Scholarship

November 1, 2017

Punishing Rewards: How clamping down on credit card interchange fees can hurt the middle class

Geoffrey A. Manne & Todd Zywicki & Julian Morris & Ian Lee
Over the past 20 years, credit cards have become an increasingly popular means of paying for goods and services in Canada. Today nearly 90 percent of Canadian adults own a credit card and approximately 65 percent of all point of sale payments are made using credit cards.
Financial Regulation
September 1, 2017

The Fundamental Flaws in Behavioral L&E Arguments Against No-Surcharge Laws

Geoffrey A. Manne & Kristian Stout & Todd Zywicki
During the past decade, academics—predominantly scholars of behavioral law and economics—have increasingly turned to the claimed insights of behavioral economics in order to craft novel policy proposals in many fields, most significantly consumer credit regulation.
Financial Regulation
June 1, 2014

Price Controls on Payment Card Interchange Fees: The U.S. Experience

Geoffrey A. Manne & Julian Morris & Todd Zywicki
The Durbin Amendment to the Dodd-Frank financial reform legislation capped debit card interchange fees for banks with assets of $10 billion. Credit card and prepaid card interchange fees were not regulated.
Financial Regulation
January 1, 2014

Uncertainty, Evolution and Behavioral Economic Theory

Geoffrey A. Manne & Todd Zywicki
Armen Alchian was one of the great economists of the twentieth century, and his 1950 paper, Uncertainty, Evolution, and Economic Theory, one of the most important contributions to the economic literature.
Antitrust & Consumer Protection
June 2, 2010

THE ECONOMICS OF PAYMENT CARD INTERCHANGE FEES AND THE LIMITS OF REGULATION

Todd Zywicki
Summary Fresh off of the most substantial national liquidity crisis of the last generation and the enactment of sweeping credit card regulation in the form of the Credit CARD Act,…
Financial Regulation
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