Capstone's Education 2023 Preview: Stimulus Helps but Uncertainty Looms in K-12; Pressure on For-Profits; Job Training Compromise Possible By Keegan Ferguson, Thomas Dee, and Jackie Davey Click Here to Download December 21, 2022 Capstone believes COVID-19 stimulus...
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Chopra’s Last Stand: The CFPB Will Move Forcefully on a Wide Swath of Industries
Capstone's Consumer Finance 2023 Preview: The CFPB Will Push to Limit Junk Fees, Repeat Offenders; Bureau Faces Constitutional Threat Over Funding By John Donnelly, Makenzy Mohrman, and Jackie Davey Click Here to Download December 22, 2022 Capstone...
Why European Regulators Will Step Up Intervention Across the Financial Services
Capstone's European Financial Services 2023 Preview: Regulators to Intervene More on Prices; Reforms in Retail Credit, Insurance, Payments to Impact Fees By Mathew Gilbert, Sebastiaan Bierens, and Douglas Wood Click Here to Download December 20, 2022 Capstone believes...
Biden’s Financial Services Push: 2023 Will be a Landmark Year for Regulation
Capstone's US Financial Services 2023 Preview: Regulators Poised for Landmark Year With Changes Impacting Banks, Capital Markets, Fintechs, Card Networks By Thomas Dee Click Here to Download December 22, 2022 Capstone expects 2023 will be a landmark year for US...
The Manufacturing Renaissance in the US
By: David Barrosse, Capstone CEO December 1, 2022 - I recently visited Seoul, Korea, after an absence of 20 years. Since the last time I visited, Seoul has become a hyper-modern city that also feels like the coolest place on earth. Korean food, music, tv, and cinema...
The Double-Edged Sword of Pandemic Mortgage Market Relief
By: Makenzy Mohrman, Capstone Financial Services Analyst November 6, 2022 - Nothing in life is free, a lesson we expect the mortgage industry will learn following government intervention during the pandemic. At the end of March 2020, Congress signed into law the...
Looming Disruptions to the Business of Higher Education
By: Keegan Ferguson, financial services analyst October 9, 2022 - The Biden administration’s student loan relief plan is just one proposal in a litany of policy catalysts on the horizon for the higher education space as the president turns a critical eye toward...
The Burgeoning Opportunities in Financial Inclusion
By: Thomas Dee September 18, 2022 - The financial challenges that lower-income Americans face have been well-documented. Thirty-six percent of Americans would not be able to cover a $400 unexpected expense using cash or its equivalent, according to the latest survey...
The Gathering Regulatory Storm for Visa and Mastercard
By: John Donnelly August 15, 2022 — The dominance of Visa Inc. (V) and Mastercard Inc. (MA) in traditional electronic payments—debit and credit cards—has rarely been questioned. If consumer spending increased, the two companies benefitted, aided by the ongoing move...
Signs of Consumers’ Financial Strain Will Influence the CFPB’s Regulatory Priorities
Clear signals of financial strain on consumers have emerged. Recent data releases have shown a fall in the personal savings rate and rising year-on-year credit card balances. In addition, consumer finance companies have downgraded performance outlooks. Consumers have...
